Love this vid. You are an incredibly generous gift giver! Sacrificing a lot of your own pampering moments to buy presents is admirable!

If you are able to put so much money into the different savings pots then I would absolutely advise you to overpay on your mortgage even if it means dropping your Birthday fund for a few £ per person or to wait for the January sales for your Christmas tree, source some clothes very nearly new etc….you will get far more benefit from paying off your mortgage early than some of the other things - it’s a no brainer. I didn’t do it when I was young and I really regret it - even £50 a month could make a huge difference over the term of your mortgage Thank you for an interesting video, I love seeing these kinds of videos with breakdown of expenditure etc xx

I used to absolutely love hyper jar until they started to charge. It was so easy with the kids and digitally managing money. Such a shame. Loved the video xx

Tip : for nails just get primark Stick ons they last ages + lashes do them yourself - they’re so easy once you learn how this is what I do now and it’s saved me so much money x

Thank you for being so transparent. I really find this helpful especially now that I’ll be going back to work after m leave x

This was such a helpful video, I have been trying really hard to budget (your budget videos have been a massive inspiration for that) and currently trying to save to buy our first house! I love how detailed you are and how much you open up about it all!

A few other possible costs: Netflix, Boiler Service, Yearly MOT, Car Tax, Car Service, Pet Insurance 😬

I don't understand why long term married couples split bills. I used to with my husband and it just lead to resentment and issues. So now my salary pays all our bills, childcare and big expenses like car repairs and my husbands wages pay for food, petrol, stuff for our two children and treats like days out etc. Works for us and then whatever is left in either account at the end of the month goes into a joint savings account 😀 I don't see it as my money or his money, its our money as a family. We both work to provide for the family, not ourselves.

So happy I’ve found your channel I’m obsessed with all of your videos. I’m almost 30 a just starting to focus on what’s important like saving for a home. Please keep sharing all your tips it helps me so much xx

Videos like this are great, the only thing I would say is that if it's not too invasive it would be great if someone did a household income tracker. Only because if one person in the relationship is earning £100k before tax it gives context to how critical it is for the other person to budget their £20k.... If that makes sense!

This was so helpful! My partner and I just bought our first house and I’m saving for maternity leave so I’m definitely going to download your spread sheet! 🙂

Great video! I’ve seen you talk about Hyperjar for a while now, would you consider doing a video on that? I’m intrigued to know how you spend/allocate your expenditure from each jar, I think it’s what I need for 2023. Thank you 😊 xx

I loved this video!! Thank you for motivating me to sort out my budget now our finances are changing again. I love your little system for splitting things and we do something quite similar in our house too and it works for us. And I definitely pay for baby’s clothes just so I can choose them haha!! Xxxx

New subscriber here! Mom over here too! Love your channel. Keep up the great work! 🎉

I was just curious to know why you guys split everything 50/50 as you work 4 days and then "provide" 1 day of childcare?

I would love more budgeting / spending videoes! Monthly ones would be amazing!!

Really interesting video! Always love hearing your budget breakdowns.😊

I’m so glad you talked about Hyperjar a few months ago! I have been loving it. Initially I used it for daily expenses but I found the having to link my card to the right jar each time was too much. I now use it for savings pot, and I love it! That combined with the Curve app is brilliant.

This was so helpful! And that you’re in the UK too 😊 My salary income is very similar to yours and I’ve not got much spare. I’ve been thinking of building up a side hustle so it’s good to see how well that works for you. I’d love to know if you manage ok fitting everything in? Do you have to be pretty hot on time management?

I found this so so interesting! Thank you! Xx

Hey hun love these vlogs I sorted my bills out following your yearly vlog. But I do agree on other comments that you are paying out other expenses like George’s clothes, xmas etc? Especially as your part time. I’m part time we decided my husband buys / pays most bills I pay some and rest is on a joint account for us to use for the month. Like paying for days out to play groups/ farm/ lunch / coffee etc to entertain my toddler for three days. Be good to see that budget too. Xx

The virgo in me loves these budgeting and finance videos 😂 would you be willing to do a video discussing your job move a bit more?

Great video Shan! I’d be interested in a video with the breakdown of your £400…I feel I relate to you a lot as my husband is a civil servant, we have 2 young boys and a dog but I’m not sure I’ve ever managed to stretch £400 a month for all groceries/dog food/toiletries/consumables etc. Would love to hear how you manage it! Thanks 😊

Thank you for sharing this, it’s really helpful and it gave me motivation to achieve my saving goals ❤ Ps: You always smash it, love your videos 😍

Be careful with the Tv licence. Because it still includes watching live TV or news on KZfaq, live programmes on its player channel 4 and radio stations. It's not just the tv you pay it for xx

How come your outgoings for anything to do with Molly is not on there? That’s a huge part of our outgoings when it comes to dog insurance, food/treats, vets, flea/worm, I didn’t know if you have purposely not included this or forgot? Xxx

Great Video Shan, this is so helpful. Your so honest with your spending and expenses, me and my partner do exactly the same 50/50 down the middle. Please ignore the other judgmental comments, your doing amazing ❤️

I love the layout of this spreadsheet will you be selling this one? I love that it's all on one place and so easy to see. I work 3 days a week and am really struggling now so this would be perfect for me to use. We don't have a joint account. I don't pay 50/50 as my husband earns a lot more than me and knows how much I'm struggling but this sheet looks a great way to budget my money xx

Loved the vlog. So interesting and informative. Took up the Hypper Jar after watching your last budgeting vlog. Using it proved difficult as it wasn’t accepted or the payment was declined even with money in the jar 😢

Really says a lot about the state of things that someone earning the equivalent of two full time salaries is just about getting by. Its nuts.

Great thorough budget but seems so unfair on you? You work 4 days a week which reduces the childcare bill but yet you still contribute to it 50% along with all other expenses? Plus you use your car to take George to nursery so shouldn't this also be shared expense, at least to some extent? Also why is George's clothes in your individual budget, shouldn't that be in your joint expenses? Also as your pension will take a hit from you working part time, how is that redressed in your joint budgeting? It would be a great to hear how you manage pensions, especially with making up some of your income from being self-employed, have you got a SIPP? I feel like you contribute so much to your little family, not just financially but emotionally and domestically as a lone parent during the week. No wonder you have been feeling overwhelmed!

YESS love a budgeting spreadsheet. I have a five month old and i am not looking forward to returning to work with nursery costs! I have yet to discover what they actually are... if anyone can give me an idea that would be fab! I'm going to try hyperjar, that would be a great addition to my budgeting! Thanks for letting us know about it! Fab video as always xx

Your so organised!

Really interesting, thanks for sharing

I don’t think hyper jars is protected by the FCA so essentially you’re money isn’t protected. Monzo or revolut are much more safe .. please correct me if I’m wrong just want you to be safe

What about pet insurance?! Or savings in case of dog issues? Seems like something you’ve missed.

I downloaded the spreadsheet and its great however the side hustle and other/left over wages doesnt total up so meaning the whole seconds half of the spreadsheet doesn’t calculate properly 😢

you still have to have a TV for Netflix and youtube!

Hi Shan, sorry this is a very personal question - but with your paycheck income plus your Side Hustle income - this is just judging by what you get per month on here based on both salaries - wouldn't you be over the child benefit allowance of 50k a year? It might be different due to how your side hustle business money is set up? - Love your budget videos - they are always so interesting! :)

Are these available on your Etsy?? I found your last one quite helpful with budgeting

I may have missed it but I wondered how you budget or plan for emergencies. Like if your car broke down or your roof needed repairs?

Do you have any tips for getting out of an overdraft? I don’t seem to have got my finances back on track since Mat leave 🤦🏻‍♀️

Hi, ordered & paid for the spreadsheet but can’t seem to find the file? It’s not attached to any of the emails from Etsy. Can you let me know please

£92 a month each! double that for the new bill!

£1800 is a good amount after tax etc for 4 days! Can I ask what you do?

I think you need to have a chat with your husband... why is he letting you take out a loan on a car that you use to take his child to childcare in? And not paying for his child's petrol costs and clothes without contributing? Not to mention expecting you to financially contribute 50/50 when you are saving him money on childcare (not to mention all the lone parenting he expects you to do). Unless he earns significantly less than you, or had other reasonable outgoings- like child support for a child or children from another relationship then I think he needs to step up and not let you get into debt taking the brunt of financially supporting his son. I mean you spent so much money on a wedding to marry this guy, that you are left loaning money to meet basic transport costs for you and your son. That is not good budgeting advice! Why are married and those with children not sharing finances? You are a family, a joint interdependent unit, not two housemates! It seems to all fall to the woman, not just financially but domestically as well- you are doing almost everything! You are going to get burnt out if you are not careful!

what about savings? i dont think you mentioned x

Pay cheque

you are literally OBSESSED with money!!!! I've never seen anything like it!

Put on morning routine you from aatika aabdulkhaliq