Do This Every Time You Get Paid. Accountant Payday Routine

Рет қаралды 1,007,720

Күн бұрын

Get up to £100 worth of shares by verifying your account and depositing £1 at Trading 212 with code 'NISCHA' nischa.me/trading212
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👉🏽 My free Intentional Spending Tracker: nischa.me/intentionalspending...
In this video, I share my 8-step process for managing my paycheck on payday.
MY FAVOURITE STUFF:
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TIMESTAMPS:
00:00 Intro
00:18 Step 1
01:51 Step 2
02:59 Step 3
05:29 Step 4
06:47 Step 5
07:27 Step 6
08:20 Step 7
09:43 Step 8
🧡DISCLAIMERS & DISCLOSURES
This content is for educational and entertainment purposes only. Nischa does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.
This description contains affiliate links that allow you to find the items mentioned in this video and support the channel at no cost to you. Thank you for your support!
*T&C's apply

Пікірлер: 542

@nischa 4 ай бұрын

Get the free payday routine tracker (mentioned in the video) here: nischa.me/intentionalspendingtracker

@JsuisMamadou 4 ай бұрын

Hello Nischa your Form don't work.I try to Download the tracker and i got this alert :" Sorry, your submission failed. Please try again."

@nischa 4 ай бұрын

@@JsuisMamadouhopefully it’s working for you now?

@Jsmordangames 4 ай бұрын

Hey Nischa, this still isn’t working?

@nischa 4 ай бұрын

Email support@nischa.me and we will get the tracker sent over :)

@adry729 4 ай бұрын

Tried twice and I never received an email, also checked spam @nischa

@Brian-dh2zz 4 ай бұрын

I have my 6 month emergency fund, and what I call a miscellaneous fund, this fund covers things like AC unit replacement, new roof, etc without dipping into the emergency fund. It's an emergency fund for the emergency fund. I budget for Christmas gifts, vacations, etc throughout the year and never need to take in debt. I live well below my means, my mortgage is about 10% of my income. Tomorrow i will be leaving for a 10 day cruise that I spent $14k on, not a single cent of it borrowed, all paid in cash. I am normally way too cheap to take a vacation, its been over a decade but I'm finally taking one and decided to splurge.

@sasheenrodrigo3464 Ай бұрын

The backup emergency fund is such a neat concept, I'd definitely pull up an account for that. I hope you had a lovely trip, you seem to deserve it!! :D

@MJLGEE Ай бұрын

Well Don - enjoy your cruise!

@Elysa284 3 күн бұрын

Its sinking fund righ?

@artoriasoftheabyss1575 3 күн бұрын

Wouldn't an ac repair be considered an emergency?

@ianwhitworth3264 4 ай бұрын

I became debt free in 2023 by learning to live within my means. Now, the money that was paying off debt is going into various savings and investments for the future. Thank you for all your advice, looking forward to the next video!

@jaspal201 4 ай бұрын

That's good to hear Ian. Keep up your good work

@David_Quinn_Photography 4 ай бұрын

keep up the good work, if you can get past the status life style it's your 1st step to freedom.

@ayushvarshney357 4 ай бұрын

Could you please make a video for teenagers, how should they start their financial planning

@cristinacerdanb 4 ай бұрын

Very good idea

@mukkaar 2 ай бұрын

Honestly, just get educated. If you get super lucky and somehow get high paying job, maybe financial advice would be relevant. But in thay case you can just apply general financial advice. But really, just get educated and don't take loan if you can avoid it with something like part time job. Overall, personally I think you should just have fun and not worry about this stuff. I mean if you go trough normal higher education route, you are still in your early to mid twenties when you graduate. And while many grifters on internet claim higher education is not necessary, on average, people with good education are *much* in much better situation financially.

@ayushvarshney357 2 ай бұрын

@@mukkaar working in 9 to 5 job is not productive and you also know it. getting educated is alright. but it depends what type of education you are getting. education system is just a consumption of facts. do you think all the rich people became rich by following the normal script. and even nischa is earning from you tube. she is not following the normal person life

@mukkaar 2 ай бұрын

@@ayushvarshney357 You should get educated anyway. Most of these people with big businesses were either already well connected/from rich family, or they were in school, did business at side and it flourished so they dropped out. Or one of the more common ways is that you graduate, get experience and then start your own business. So yeah, if you want to become rich, entrepreneur route is what you want to do. But that's even more reason to go to school. Often schools also have a lot of resources for entrepreneur endeavours, and you get connections. Not to mention it's about hedging your bets, even if your business doesn't work out, you still have degree that pays well, and you could even use that higher paying job to support your business.

@mukkaar 2 ай бұрын

@@ayushvarshney357 Even if we take these very exceptional cases, most if them were in school, but dropped about because their business became lucrative opportunity. Most people that have successful business are graduates, school gives you resources, education and connections. Often schools have very good support structures for entrepreneurs, and access to networking events etc. It also works as both support and safety net for you, as you will have something to fall back on, or maybe you can use your good paying job to support your business till it becomes feasible to focus on it full time. Ultimately, there just isn't a reason to not go to school, especially if you want to become an entrepreneur. It gives you connections, education, degree and resources/help to pursue business. And furthermore most people establish their business after gaining experience in the industry, which means you need degree to get good job. I'm not saying this is absolute but just looking at the overall situation, people that have gone to school have a massive advantage in every way.

@bobby8630 4 ай бұрын

Hi Nischa, I am 40 years old, was homeless 5 years ago before I started to get my life back on track. Since being employed, I was always ashamed to look at my bank balance, the ostrich effect... like you described. Thank you for giving me a system and the courage to face my finances, and to help put this chaos into order.

@danaj.4609 4 ай бұрын

I love how you dropped this a few days before payday, so efficient

@beans953 3 ай бұрын

Yeah that’s the idea mate

@Kenyasterling 3 ай бұрын

Same for me too

@shutupnvibe 3 ай бұрын

This came in my recommended 2 days before payday. Much appreciated too!

@djjoshski 4 ай бұрын

As someone who’s financially literate but who’s had to learn to be. It’s so hard for me to spend money on things I want. Pretty much all of that goes to investments / savings. The mindset once you have it’s hard to break it.

@LearnGermanwithMarzipanfrau 4 ай бұрын

I understand what you mean. You wanna live, but also don't take any risks.

@IssaMeZane 4 ай бұрын

Oh wow, that’s exactly how I feel. I even made a Splurge account to spend on whatever I want and I still feel guilty…it sucks

@djjoshski 4 ай бұрын

@@IssaMeZane Yeah ive been investing for 5 plus years i finished uni finance major and now I've realised I've actually been to frugal. I know its been an opportunity cost but the mentality to spend restricts my happiness for even small things like coffee i find hard to pay for, if its someone else i don't mind but myself it's hard. when you come from a place of hardship at a young age you never want to fall back into it, financially I can't but mentally you can and that's the fear.

@blade643 4 ай бұрын

@@djjoshskibreak it down mathematically. Give yourself a percentage. Try 5-7% at first. You deserve it. You’ve done an amazing job! Or if you cant bring yourself to doing that yet, have a goal in mind of what you want in your investments. 100K is a great mark as suggested by Charlie Munger

@pratimabhatt5079 4 ай бұрын

@@djjoshskiCouldn't have put it better.

@autoclearanceuk7191 4 ай бұрын

I am planning to use nearly all my pay this month to pay off a credit card that has 7% interest.

@SEANPOL203 4 ай бұрын

If my credit cards had 7% interest would be happy , 15-40% is examples of rates I’ve had in past

@autoclearanceuk7191 4 ай бұрын

@@SEANPOL203- it is a special offer. Similar to 0% balance transfer promotions.

@liamloughhead6687 4 ай бұрын

Good luck !!!!!!!

@Mujcanal 4 ай бұрын

Go for it ! You will feel a lot better with no debt.

@bubandit06 4 ай бұрын

Jayzus! 7% would be a dream!

@GeoffreyCaesarSolicitor 4 ай бұрын

Thanks for another very helpful video. You don't pass judgement on the fact that many of us are appalling at money management and you instead focus on what we can do to turn things around. Much appreciated.

@Fuaarrkk 3 ай бұрын

I break my payday into 3 steps. 1. Savings 2. Bills/debts 3. Leftover Soon as I get paid, I save 1k minimum, I pay my bills and then whatever is left after that is fair game. It is definitely important to figure out how much your living expenses are and that will determine how much you’re able to save safely to ensure you have enough to cover your bills and living until next pay as well as building your savings. I’m able to save a minimum of 1k every payday because I have a very low maintenance lifestyle. Edit: I don’t make a lot of money either. I choose to live under my means and very minimalistic so I can build my savings. Some people don’t understand that you have to make lifestyle sacrifices until you’re in a position where you can live a bit more extravagantly.

@jillmorrison9883 4 ай бұрын

your advice about paying off interest balances vs the savings made so much sense, I legit paused the video and did just that lol. I can be such a hoarder sometimes that I forget that I'm actually paying more than I am saving.

@sanjajohnea4825 4 ай бұрын

Same to me. I cleared a 16% loan running for 5 years within the 1st just because of Nischa's insights.

@RevealedFilms 2 ай бұрын

No one ever got rich from saving…invest!

@sansaechao2023 4 ай бұрын

Just downloaded the spending tracker and holy crap it's an eye opener where my money going. Im trying to pay off debt(17k) and this will really help me. I never had a budget and didn't know where my money is going at the end of every month. You just got a new subscriber and I will come back to this comment at the end of the year with an update🙏🤞

@Babybunnyxox 3 ай бұрын

Keep going!!!🎉

@Jess-T 4 ай бұрын

I've done 2 things this month as a result of your videos: - set up a standing order to pay my credit card each week - used the Insights tool on my online banking app to identify that I was spending £150 on unnecessary purchases. Long term, I plan to have a BTL when I remortgage. Thanks!

@Truthseeker-iz3dj 3 ай бұрын

Now you just need to make videos like this to get the real money. 😂 Many professionals are making way more on KZfaq then they would be doing working for a company.

@PorscheSpeedster-kz6nc 4 ай бұрын

I appreciate that your content includes the US and US market data. Thanks.

@jillmorrison9883 4 ай бұрын

agreed

@spacecowboy1482 4 ай бұрын

In one of your old videos, you talked about the different businesses you tried and that failed. We would love to hear more about those failed businesses and what you think made you fail

@nischa 4 ай бұрын

Hey! I mention some in my video titled 3 Money Laws

@spacecowboy1482 4 ай бұрын

@@nischa oh, how did I miss that, I thought I binge watched all your videos 🤦🏿

@rbags934 4 ай бұрын

Downloaded your spreadsheet and did it for dec/jan and I couldn’t believe how much of an eye opener it was! I really didn’t know how much I was spending and it’s def made me more accountable for what I’m spending my money on. Also moved credit card to 0% interest to help me clear it more. My focus is to pay off my debt and then start saving for the future ❤

@nischa 4 ай бұрын

so happy to hear this!

@Clary_Sage 4 ай бұрын

I have just downloaded the tracker and look forward to experiencing the same. Thank you, Nischa.

@jseels 4 ай бұрын

Where is this spreadsheet? interested!

@mikegreene7883 3 ай бұрын

My wife and I went to a financial planner in Canada and their advice is pretty similar to yours. I do love paying off debt. It’s a very satisfying feeling :)

@laxel01 3 күн бұрын

I like how you say it's better to just pay the debt first from the "savings" until it is paid off, mathematically and logically to me that makes the most sense

@barbarapatino5458 3 ай бұрын

OMG, not only do you have the most beautiful eyebrows I've ever seen, you're so, so, so helpful and real. Thanks!

@emi62507 3 ай бұрын

Thanks Nisha. Your 8-step process is a much better process than others I've seen around. And you dropped the video nice and early for us to implement in February.

@Julian-xo7vj 4 ай бұрын

Very sound and comprehensive advice. I appreciate your enthusiasm and directness.

@godwin_njoroge 4 ай бұрын

Hey Nischa, just wanted to say thank you. I've been using your spending tracker and it's been really helpful. Thank you for all you're doing

@eddiecleaver5376 4 ай бұрын

Thank you so much Nischa. I’ve subscribed and watched several of your videos, there’s so much to learn! I took your advice regarding putting 10% of my monthly pay aside for savings. Great videos, thank you.

@thatsnotmyname2798 Ай бұрын

My god, I'm so glad I found you! I've been watching so much money advice from self-taught people, but never from someone with an actual accounting qualification. Thank you so much for clean and straight to the point video!

@raieven 3 ай бұрын

These steps make so much sense to me, I've always deprioritized the employer match and literally everyone screamed at me for it. I'm going to follow the rest of your steps these month! Subscribed! 🎊

@summer7honey 4 ай бұрын

SUBSCRIBED!!! I really like your content. It's consistently sound and for me relatable. What really really appealed to me the first time i watched, was that u talked about finding your ikigai.. that spoke to me!

@CosmicCreation-ef3ey 22 күн бұрын

I just watched this video of yours, and it was surprisingly informative! The host really knows their stuff about. I appreciated the detailed breakdown. Definitely worth a watch!

@johnmccrae1102 4 ай бұрын

Again compound interest is the key and backed up by a rainy day fund first.

@harambeexpress 3 ай бұрын

Caleb Hammer goes over this stuff nearly every episode he does - but this is an excellent and well explained summary. Especially explaining why "not overpaying" is better and what that means in the easiest to understand manner.

@X-MEN21 3 ай бұрын

You're literally an account saver, I really need this, thank you so much.

@vijayshah4880 4 ай бұрын

Thanks Nischa, for weekly financial updates.

@cjhickspe1399 4 ай бұрын

I could listen to Nischa all day.

@ld5714 4 ай бұрын

I absolutely love listening to you Nischa! Larry, Central Valley, Ca USA

@Shannonslittlebubble 4 ай бұрын

Absolutely love your videos. You give such great advice that I actually understand. Thank you for your time on all your videos.

@abhiban8438 4 ай бұрын

i hv enjoyed your video earlier on intentional spending tracker too much.. used it and modified as per my requirements. may be you are an accountant but your presentation is very cool.. thanks for being so transparent, humble and confident.. your google sheet is really really very useful though it looks so simple. All good wishes..

@itzjustkay1972 4 ай бұрын

OMG I came across your channel today and haven't been able to stop watching your vlogs. I kept saying she reminds me of someone, yes our former director at work. Quite a lot of similarities, I enjoyed your vlogs. I probably would have never searched for anything in this area but am glad I did and subscribed. You have a wealth of info and you explain it very clearly. Thanks for sharing, appreciated. 😊

@sserton2839 4 ай бұрын

New to this channel - your views of money management makes so much sense! I’ll pivot some of my categories to update into your discussed suggestions - the couple of tweaks I envision to be the missing pieces I have been hunting for! Thanks from 🇨🇦

@MoumitaSanyal-kc3uv 22 күн бұрын

Honestly speaking, I really like your idea. I am going to start working your way. Thanks for sharing the idea.

@Hello2u3582mypincode 4 ай бұрын

Also I started brushing my teeth more and am having 4 monthly clean ups instead of every 6 or 7 months. Instead of huge bills I had none last year for the first time in 7 years!!

@figimah227 3 ай бұрын

I'm so grateful this video popped up on my recommendations! I'm just beginning my career and already planning out how I want to allocate my funds, even though I haven't even received my first paycheck! This video helped validate my desire to pay off my student loans ASAP. Personal finance should be taught in schools, but it's not, which is infuriating. So seriously thankful that you've put all this into a video!

@Theleaderstoolchest 4 ай бұрын

Thank you for making such incredible videos! Keep it up!!

@shreddy_mcgnar6359 3 ай бұрын

Great video Nischa! Can't wait to show it to my daughters when they are old enough to understand financial literacy.

@I_m_Akaza 4 ай бұрын

Awesome video and thanks for the free and useful spreadsheet.

@xlauranatalie 2 ай бұрын

Im a decent budgeter, but your spreadsheet is way simpler than the one i created! Love it ! Thank you

@Fiercedeitypwns 4 ай бұрын

Nischa, you are diamond in the rough. Love your content and keep it up!

@rodcampbell4784 3 ай бұрын

Your amazing. I'm learning so much. 2024 is gonna be my year. Thank you Nischa ❤

@mrnmt1122 4 ай бұрын

I just listen the flow of language comes from u amazing 😊

@adriansmart-morraes380 4 ай бұрын

Thank you so much for this video. It is brilliant.

@celestial7990 3 ай бұрын

Your videos are so informative and important! Thank you so much for your videos. Just subscribed to your channel and plan on coming back to your videos. I’m so excited to start saving, budgeting and paying things off. 😊

@incognito2631 3 ай бұрын

Very informative thank you for this video subscribed and looking forward to viewing more videos the delivery of information is impeccable

@ranjitsingh1622 4 ай бұрын

Amazing advise! Definitely putting a lot of this advise to good use!

@Wayne_Nero 3 ай бұрын

This person speaks the truth. Zeroing out credit cards makes you feel great, and having money in the bank builds confidence. Do it!

@Parseenfroo 4 ай бұрын

I really look forward to your videos.

@anncromarty2590 3 ай бұрын

I like that you call it an essentials fund. I had been seperating it into fixed and variable costs which made it difficult since some variable expenses like food are essential. I am going to recalculate now and then download the app you linked. Thank you for your help and cogent explanations.

@tulikachanda5425 22 күн бұрын

Very nice video.a lot of information included in this video.thank you for making this type of video.

@drsashina 4 ай бұрын

This is gold! Thank you for sharing this wisdom!😇

@VitalBusinessMatters 3 ай бұрын

Nisha shares her wisdon so freely. I am learning a lot from her too.

@emellious 2 ай бұрын

thankyou for the video nischa!

@Fake2JZ 4 ай бұрын

Best financial youtuber 👏🏻

@jbrethous 4 ай бұрын

Nischa, you are fantastic!

@carlosarreolajr2863 4 ай бұрын

Thank you for these videos !!!

@syedzafarahmed2366 3 ай бұрын

Good clear and constructive information. Thanks for sharing

@crossheritage 4 ай бұрын

This is actual good advice. Listen to her and apply.

@jaguarpw 2 ай бұрын

I like this video. I learn quite a lot. Thanks Nischa

@sophiarashid8121 4 ай бұрын

Forever grateful for these videos, please keep doing what you do!!

@Mrs_Hill87 4 ай бұрын

Love your videos, you're doing an amazing job with your content ❤️

@VitalBusinessMatters 3 ай бұрын

yes indeed. her channel is doing so great. i am happy for her.

@mr.indiaheakar 22 күн бұрын

Thank you so much for this video. It is very helpful 👍 video

@nf2804 2 ай бұрын

Your videos are amazing, i just found you now! I started budgeting after covid, i lost my income, ive been in complete shock! Since then im budgeting, calculating my income for a year, month…i know my liabilities bills/credit cards…and im just so glad that without any prior knowledge my checklist has a lot of common points with what you are talking about. Schools should teach how to be mindful about money, we would all have a better future a chance for a better life…im around 10 years late😢

@sarahzaidi7149 3 ай бұрын

Thank you so much for this! Especially the spending tracker helps so much! I already feel sorted in life :D

@nicollel.9374 3 ай бұрын

Agreed

@mrgainey 4 ай бұрын

Liked and subscribed! Thank you for this information!!

@KiloSportsShow 4 ай бұрын

This was so helpful, seriously!

@mikewalker5618 4 ай бұрын

Love these videos- thanks

@tia9706 4 ай бұрын

Just stumbled across this video on the home page. I've been doing this manually for years. I'm a fan of the waterfall method, my few cards are all around the same interest rate, and I use a spreadsheet for that; I don't know why I didn't think to do the same for income and itemize bills on one! 🤦🏾‍♀ That said, seeing this was well-timed for me. Thank you for making this video!

@twishamohin 4 ай бұрын

How am I just finding your channel? Oh my god love your videos ❤

@semolinasemolina8327 2 ай бұрын

Thank you for doing all of these videos. I am 40, have adhd and I have been so reckless with money! So whilst im about to possibly get some money, I'm very conscious about how I've mismanaged money in the past. I can see myself buying a Dyson air wrap and taking all my friends on holiday to say thanks for your help when I was broke! However, I think a better thank you would be to maybe handle it better!

@youngmaestro4153 3 ай бұрын

Thank you Nischa!

@melusineconteuse2751 4 ай бұрын

Dear Nisha, I love your talks. Could you make a special video about people having really irregular incomes due to independent work? Like artists who makes shows (like me), this is quite unpredictable, how much will come. I do manage also with side hustle like airbnb renting and giving trainings. Nothing regular :)

@VitalBusinessMatters 3 ай бұрын

That could be an interesting video. Good suggestion.

@halwaffles 3 ай бұрын

As a budding tax accountant (currently in my master’s year), I love this! I actually did a weird version of this to calculate a suggested budget for when I move to my job after graduation where I calculated my estimated taxes to figure out my after tax funds I’d probably have so then u could figure out what money I have to work with for rent, food, savings, etc. It’s so helpful and I’m excited to refine it as I know better what my spending habits are!

@IAmebAdger 4 ай бұрын

Short and sweet video, good going. I see lots of potential in this channel to provide financial advice to normal people (and perhaps do more tailored advice like Q&As or live discussions), so I've subscribed :)

@nishanishani4118 4 ай бұрын

Hi Nischa, I've been watching you over the years now, and Must say this is one of the platforms I always follow to have my financial life in order. And would like to request if you can make a video on credit cards, the advantages and disadvantages of using one, how to make the best use of a credit cards and how to manage with it without falling into trap? please consider. ❤

@SEANPOL203 4 ай бұрын

Don’t use them at all , they are good for very little

@VitalBusinessMatters 3 ай бұрын

@nishanishani4118, i will be dropping a video on that topic this Friday. Make sure to check it out on our channel. Hopefully it answers some or most of your questions about credit cards.

@TharsanJeyachandran 11 күн бұрын

great ep

@777VIV 4 ай бұрын

yay youre back

@SmallsNY 4 ай бұрын

I just joined the under 30% club. Happy to subscribe.

@jebunnesabegum7452 22 күн бұрын

Very interesting video.thanks for sharing

@vayoha02 4 күн бұрын

That's me, I'm the one who doesn't want to look at my bank account. I get so anxious and overwhelmed when I THINK about all the debt I have. I can say I finished paying off my student loans yesterday😁. I still have a credit card, car, and mortgage. That's not including the many insurances that are needed to live in America!😵‍💫

@gghostrrider 3 ай бұрын

Subscribed great information!

@FrancescoMarelli84 3 ай бұрын

Great video as usual Nischa ! By the way, if all else fails, or if you ever get bored ... please do consider doing something with your voice ... whether its narration of stories, radio work or what not. Seriously your voice is unreal, super super beautiful. If you wanted to, I honestly feel it could be as recognizable as a Morgan Freeman, or a Bruce Buffer, or a David Attenborough... I am not joking. ❤

@PayelRoy-mr2po 22 күн бұрын

This video is very wonderful video.. I realy enjoyed the video.. And Thanks for sharing us this video..

@Momentum88 4 ай бұрын

Can’t wait to put a few of these in practice. Thanks!

@crisc7278 3 ай бұрын

Brilliant, thank you!

@brandonjames160 3 ай бұрын

Subscribed this is great information!

@David_Quinn_Photography 4 ай бұрын

great video, it looks like I am still on the right track.

@AndrianiainaJeanMichelRaobelin 22 күн бұрын

In this video, I'm so surprised the manner of how she details the way of managing incomes and debts in order to be successfull.

@Normi93 2 ай бұрын

Thanks for this!

@YasmynTVx 4 ай бұрын

Tbh, I found your channel in December and you literally helped me identify £300 in interest which I was at risk of incurring this month 😊 managed to moved my money around to make sure I have zero interest debt going at the moment 🙏🏾 thank you !!

@mbengeni.jonathanratshivha6125 3 ай бұрын

you have such a subtle accent it makes it even easier to listen to ya.😁

@truthseeker8524 4 ай бұрын

Hi Nischa. You may have covered this in another video, but would be interested in knowing what percentage (without revealing the money) of your income you make from each of your streams to see how feasible it might be leaving a high paying job and then replacing with multiple streams.