MID-YEAR FINANCIAL RESET (+ July Budget with Me) 💰💸✔️
Summary
TLDRDieses Video bietet einen Einblick in die Haushaltsführung und finanzielle Ziele des Jahres 2024. Die Erstellerin teilt ihre Erfahrungen mit Budgets, wie sie ihre Ausgaben im Juni steuerte und wie sie ihren Haushalt für Juli plant, um ihre finanziellen Ziele zu erreichen. Sie reflektiert über ihre Fortschritte bei Schulden, Notfallgeld und Autokredit sowie über ihre Ersparnisse und Einkommensziele. Zudem präsentiert sie ihre Vision zur Finanzplanung und wie sie ihre Ausgaben im Vergleich zu ihren monatlichen Einnahmen ausrichtet, um finanzielle Unabhängigkeit zu erlangen.
Takeaways
- 🎥 Die Video-Transkript ist eine Finanz-Überprüfung und -Planung für Juli, mit einem Fokus auf eine Finanz-Neuausrichtung im Jahr 2024.
- 💰 Die Person hat im Januar ein Finanz-Reset-Video gemacht, das ihr und den Zuschauern half, und plant nun, ähnlich für Juli vorzugehen.
- 📋 Sie nutzt eine Tabelle, um ihre Ausgaben zu verfolgen und finanzielle Ziele für das Jahr zu setzen.
- 🚀 Sie hat drei große finanzielle Ziele für 2024 gesetzt: Studentenkredit abbezahlen, Notfallgeld auf 4.000 USD aufbauen und den Autokredit auf 10.000 USD reduzieren.
- 💼 Sie hat einen neuen Job bekommen, was bedeutet, dass sie mehr Geld verdient und ihre finanziellen Ziele anpassen kann.
- 🔄 Ihr Budget wird angepasst, um mehr Geld für ihre größeren Ziele wie die Kredite und das Notfallgeld bereitzustellen.
- 🏦 Sie hat ihre Kreditwürdigkeit überprüft und ist zufrieden damit, dass sie in gutem Stand ist.
- 💡 Sie betont die Wichtigkeit regelmäßiger Überprüfung aller Finanzkonten, Kreditkarten und monatlicher Zahlungen.
- 🛍️ Im Juni hat sie in Kaffee und Schönheitspflege mehr Geld ausgegeben als geplant, aber sie hat ihre Essen- und Einkausgaben im Rahmen gehalten.
- 🎟️ Sie hat für Unterhaltung und persönliche Einkäufe etwas über das Budget gegangen, insbesondere wegen Konzerttickets, aber sie ist zufrieden mit ihrer allgemeinen Ausgabendisziplin.
- 🌟 Sie plant, im Juli weniger Geld für draußen Essen und mehr für den Disney-Urlaub und andere Erfahrungen auszugeben, und plant dies im Budget zu berücksichtigen.
Q & A
Was war das Hauptziel des Juli-Budget-Videos?
-Das Hauptziel des Juli-Budget-Videos war, einen Finanz-Reset zur Jahresmitte durchzuführen, um die im Januar gesetzten Finanzziele zu überprüfen und anzupassen, sowie einen Überblick über die Ausgaben des Vormonats und den geplanten Haushalt für Juli zu geben.
Was war eines der Hauptziele, das im Januar gesetzt wurde?
-Eines der Hauptziele, das im Januar gesetzt wurde, war die Rückzahlung des Studentenkredites, das Aufbauen des Notfallfonds auf 4.000 Dollar und die Verringerung der Autokreditschuld auf 10.000 Dollar.
Wie viel Prozent der Ausgaben gingen im Juni für Unterhaltung aus?
-Im Juni gingen 21% der Ausgaben für Unterhaltung aus, was hauptsächlich für die Kosten von Konzerttickets ging.
Was war die größte Ausgabenüberschreitung im Juni?
-Die größte Ausgabenüberschreitung im Juni war im Bereich des Kaffees, wo 59 Dollar ausgegeben wurden, anstatt des geplanten 30 Dollar.
Wie hat sich die Autorin ihre Finanzziele für 2024 vorgestellt?
-Die Autorin hat ihre Finanzziele für 2024 mithilfe eines Visionsboards visualisiert, einschließlich Einkommen, Rückzahlung von Schulden und Aufbau eines Notfallfonds.
Was hat die Autorin über ihre Kreditwerte gesagt?
-Die Autorin hat erwähnt, dass sie ihren Kreditwert überprüft hat und dass sie in gutem Stand ist. Sie empfiehlt auch, dass die Zuschauer ihren Kreditwert überprüfen.
Was war die Hauptänderung im Juli-Haushalt aufgrund der neuen Arbeit?
-Die Hauptänderung im Juli-Haushalt aufgrund der neuen Arbeit war die Erhöhung der monatlichen Zahlungen für den Autokredit und den Studentenkredit, um schneller die Finanzziele für das Jahr zu erreichen.
Wie plant die Autorin, ihren Notfallfonds aufzubauen?
-Die Autorin plant, ihren Notfallfonds aufzubauen, indem sie jeden Monat Beiträge leistet und ihre Haushaltsmittel anpasst, um das Ziel von 4.000 Dollar zu erreichen.
Was war die größte unerwartete Ausgabe im Juni?
-Die größte unerwartete Ausgabe im Juni waren die Tickets für das Sabrina Carpenter Konzert, die 283 Dollar kosteten und den Haushaltsplan überschritten.
Wie plant die Autorin, ihre Finanzziele für das Jahr 2024 zu erreichen?
-Die Autorin plant, ihre Finanzziele zu erreichen, indem sie ihre Haushaltsmittel anpasst, regelmäßig auf ihre Kreditwerte und Investitionen überprüft und gezielt mehr für ihre Schulden und den Notfallfonds ausgibt.
Outlines
📈 Finanzieller Neuanfang im Juli
Dieses Video dient als monatliche Finanz-Checkliste und als mittleres Jahr-Finanzen-Reset. Im Januar hatte die Sprecherin einen ähnlichen Finanz-Reset-Video gemacht, das gut aufgenommen wurde. Sie plant, ihre finanziellen Ziele für 2024 zu überprüfen, wie ihren Notfallfonds, Kreditkarten-Punktestand und ihre Geldziele. Sie plant auch, Anpassungen an ihren Zielen aufgrund einer neuen Arbeitsstelle und einem höheren Einkommen vorzunehmen. Zudem wird sie ihre Schulden, Notfallfonds und ihre Vision für das Finanzjahr 2024 überprüfen und anpassen.
📊 Monatlicher Ausgaben- und Einkommensanalyse
Die Sprecherin geht durch ihre Ausgaben im Juni, wo sie Bereiche identifiziert, in denen sie über ihren Budget ausgegangen ist, insbesondere bei Kaffee und persönlichen Einkäufen. Sie reflektiert auch über ihre finanzielle Transparenz und wie sie ihre Ausgaben im Einklang mit ihren Einnahmen plant. Zudem erwähnt sie ihre geplanten Ausgaben für einen Disney-Urlaub im September und Konzerttickets für Sabrina Carpenter, die ihr Budget überschritten haben.
🏠 Anpassung des Haushaltsplans für Juli
Die Sprecherin plant ihren Haushaltsplan für Juli, indem sie ihre wiederkehrenden Ausgaben wie Miete, Strom und Internet berücksichtigt und Anpassungen aufgrund der neuen Arbeitsstelle vornimmt. Sie plant, ihre Schuldenzahlungen zu erhöhen, um ihre finanziellen Ziele für das Jahr zu erreichen, und plant auch, wie sie ihre Freizeit und Unterhaltungsausgaben im neuen Monat verwalten wird, einschließlich geplanter Reisen und Unterhaltungsaktivitäten.
🎉 Zusammenfassung und persönliche Reflexion
Die Sprecherin fasst das Video zusammen und ermutigt die Zuschauer, über ihre eigenen finanziellen Ziele und ihre Fortschritte im Laufe des Jahres nachzudenken. Sie teilt ihre Freude über die neue Arbeitsstelle und die Möglichkeit, finanziell transparent zu sein. Sie reflektiert über die Herausforderungen und Möglichkeiten der Finanzen in den 20ern und ermutigt die Zuschauer, offen über ihre Finanzen zu sprechen und gemeinsam zu lernen.
Mindmap
Keywords
💡Budget
💡Financial reset
💡Money goals
💡Emergency fund
💡Student loan
💡Car loan
💡Credit score
💡Roth IRA
💡Expense report
💡Vision board
Highlights
Introduction of a midyear financial reset following a previous one in January.
The importance of setting specific financial goals and mapping out the year.
Checking on credit score, emergency fund, and money goals as part of a financial check-in.
The creation of a vision board for financial visualization.
Three major money goals for 2024: paying off student loans, building an emergency fund, and reducing car loan.
Progress update on financial goals and the impact of a new job on income.
Adjusting the budget to allocate more towards bigger financial goals.
Maintaining a good credit score and its significance in financial health.
The strategy of making monthly contributions to a Roth IRA for wealth building.
A detailed review of June's expenses, including categories like gas, coffee, eating out, and entertainment.
The decision to increase car and student loan payments to reach financial goals sooner.
Reflection on spending habits and the rarity of regretful purchases.
The introduction of a new budgeting approach for July with adjusted categories.
The excitement of planning a Disney trip and budgeting for it incrementally.
The unexpected expense of concert tickets and the decision to prioritize experiences.
A summary of total expenses for June and the goal for July's budget.
Encouragement for viewers to share their financial goals and accomplishments.
Transcripts
hello everyone welcome to my July budget
with me also wanted this to be a little
midyear Financial reset because back in
January I did a whole financial reset
video that you guys really seem to like
and it was actually super helpful for me
to like get specific with my goals and
map out my year and think about the
future financially and just check in on
all the things you know credit score my
emergency fund my money goals you know
just all those things that a lot of
times I tend to forget about so I just
like set it and forget it so I thought
in this video along with doing my June
expense report and July budget I would
also reflect on the goals that I set for
myself for 2024 for my MoneyWise money
goals and kind of discuss like do I need
to adjust my goals we're going to take a
look at the vision board all of that
kind of stuff so if you guys set some
money resolutions money goals this year
bring them out and we're kind of going
to look through those first before
jumping into everything I spent this
month and what I'm hoping to spend next
month if you're new here welcome I do
these budget with me almost every month
and if you're wondering what spreadsheet
or anything that I use the credit cards
I use to gain points for travel and to
help me track all these expenses I will
have the links in the description
box but let's go through and take a
glance at the vision board that I made
back in January AR for what I want my
year to look like financially so this
was really fun to do I obviously did
like a Life vision board but I wanted to
make one just for money to help me kind
of visualize where I see myself so for
one thing I put like screenshots from
Shopify of like you have a new order so
like money coming in through my business
a check with um my name on it it's like
my income every month what I wanting it
to be I also have three big money goals
on here one is I want to pay off my
student loan so I have like a screenshot
from my student loan portal and it says
zero balance I wanted to build my
savings like my emergency fund to $4,000
and I wanted to get my car loan down to
$10,000 so those were three of my kind
of my big money goals for 2024 I'm on my
way I've contributed to my student loans
my car payment and my emergency fund
every month I'm
not halfway to those goals CU I think I
need to give a little bit more every
month but that's okay I am going to
adjust my budget this month because I
got a new job and I'm going to be making
a little bit more money I still have
like $4,000 that I need to pay off on my
car student loans let's take a look
actually I forgot try to adjust my
budget a little bit to put more money
towards these bigger goals that I had
for my year another thing that I checked
recently just to check in on is my
credit score I'm still good in a good
standing there check yours see how
you're doing there your investment
portfolios I have a Roth IRA as you guys
know so just checking in um making sure
my payments monthly payments are still
going into that so that I'm Building
Wealth and all of those fun things so
just do like a good check-in on all your
accounts your credit cards make sure
your monthly payments are set up make
sure everything's looking good
financially um and then also compare and
contrast where you are right now in July
of 2024 to where you want to be January
1st of 2025 and then we will adjust our
budget for July and moving forward to
help reach those money gos goals that we
set for ourselves at the beginning of
the
year okay so student loans I still have
$3,000 left that I need to repay and I'm
paying like $160 a month currently but
we're going to change that to reach our
goal sooner there's 6 months left in the
year I need to be paying like $500 a
month if I want my student loans to
be paid down by then but also I want to
get my car payment lower because my car
payment has a high APR rate meaning it's
costing me more an interest every month
on my car loan rather than my student
loans so I want to put more money
towards my car loan and then rather than
my student loans I want going back to my
goals for 2024 keep a healthy credit
score check pay off student loans we're
getting there pay off $6,000 of my car
loan to only have $10,000 left left
we're getting there build an emergency
Savings of $4,000 on hand we're getting
there make an average of this much money
a month I may be able to do this with my
new job now which is really exciting um
with my job along with you know what I'm
currently doing and then spend an
alignment each month I think I do that
pretty well there's very few purchases
that I make nowadays that I'm like
really regretful of honestly like I'm
either buying something that's a
necessity or that brings me joy so
there's rarely a purchase where I'm like
oo I shouldn't have bought that honestly
that I can maybe count them all in one
hand for the year I'm pretty good about
spending an alignment which I'm proud of
so even if maybe I shouldn't have bought
something it's like oh a plane ticket
that's going to I'm going to be happy
about that eventually I feel like I very
rarely make purchases that I regret I'm
not for buyer's remorse if it's like a
tangible item I will return it maybe the
only buyer's remorse I really get is
like paying for parking when I'm in a
hurry somewhere but again I really try
to avoid that
actually that was good to reflect on the
goals that I set for my finances for
this year and now I know moving forward
what I need to adjust to try to reach
those goals sooner so speaking of
hitting our goals let's go over to my
June budget and I'm going to walk you
through every expense that I had for
June okay so let's start with gas I
budgeted $50 and I ended up spending 67
pretty close on budget lift and U lift
and Uber I budgeted 50 I spent
37 coffee this is where we went over um
pretty pretty much doubled my coffee
spending rather over what I wanted I
don't even know why that happened or how
that happened but now I know to monitor
that for July so I budgeted $30 and I
spent
59 eating out though was significantly
lower which is great I budgeted 250 I
only spent 172 groceries almost exact I
budgeted 300 and spend
$291 entertainment I budgeted $75 and
ended up spending $50 I'm trying to
remember what this $50 was oh we went
and saw Hairspray the musical in
Nashville it was so fun I love Musical
and um seeing one in person is just so
fun we literally bought the back row
seats the cheapest seats in the whole
theater but it was $50 for a Broadway
traveling production one day I'll be
able to buy closer seats and actually
have good seats but for now the budget
allowed for the the nose bleeds and
that's what we did Beauty I budgeted $25
and I spent 34 I got my eyebrows done
and what was the other
expense this is going to be like one of
my new money saving hacks I've been
doing um press on nails and these are
glamnetic $20 for the set and I feel
like I could get at least two maybe
three uses out of them
$20 beautiful manicure manicure rather
than spending a these cuz it also has
the Chrome would be like $100 in
Nashville so we're saving money with the
press on nails shoppingpersonal I
budgeted $1 15 50 I've kind of been in a
little shopping mood and I spent 93 at
aritzia I bought two items from their
annual sale and like maybe something
yeah a few things from Amazon gifts I
didn't have any gifts to buy this month
so that's zero pet I budgeted $50 for
Spruce I spent
57 um okay and now towards the end of
the budget is where things kind of went
Ary because I was buying things for
future trips and future fun things and I
honestly did a great job with my budget
as you could see before like all of
these expenses
the actual I only
had three expenses that went a little
bit over and honestly the the biggest
over was in coffee but this is where
things things changed a little bit okay
so travel I started budgeting and
spending on a Disney trip that my me and
my friends are doing for our birthdays
at the end of September so I'm so
excited for this trip I love Disney I
haven't been there to Disney World in 2
years and so we're really excited for
this trip it is expensive I want to do
whole video on maybe how we how we
budgeted for this trip how we got the
whole trip to be under $1,000 um which
is still a lot of money but it's Disney
it's expensive so anyway it's about
$1,000 trip total but I think what's
helpful is like I'm taking putting a
little bit of money towards it each
month leading up to the trip so this
month we bought one of our flights which
was on sale through Southwest through
one of their like 3-day deals this trip
that this flight we got like 50% off we
paid about $98 for it and then we
actually paid the deposit for our hotel
which was another $98 each so in total I
put
$196 towards this trip I was budgeting
200 I
think next month I'm going to budget
like 500 for this trip so it's just a
little bit easier to like pay for this
trip in Chun rather than all at once
come September and then what wasn't in
the budget that came up last minute was
Sabrina Carpenter tickets I did Vlog the
morning that and my friend bought these
we weren't able to buy them like just
normally we did buy resale which were
kind of expensive at 283 it's kind of
crazy that this is almost what I paid
for my Taylor Swift Aros tour tickets
and this is Sabrina Carpenter's first
stadium tour so no first Arena tour so I
don't know what's going on but I love
Sabrina Carpenter I've been a fan of
hers since
tornadoes and email emails I can't send
was like my top album of 2023 so I okay
don't come for me I am a Sabrina Stan
and I needed to go to the show in
October in Nashville so we bought the
tickets did put me over budget by
$200 but I feel like you know what I'm
just I'm just in my buying
experiences era you know we're buying
trips we're buying tickets and I only
see a few shows a year that aren't like
gifted for free tickets I get through my
friends in the music industry so I only
spend maybe 500 Tops on concert tickets
throughout the year and I only go see
people I absolutely love basically I
wanted to spend
$1,180 this month and I ended up
spending
$340 okay let's go over to bills you
guys know my reoccurring expenses my
internet my rent actually went up in
July so I'm going to have to edit this
for July pet insurance my electricity
because air conditioning was pretty high
this month um was
$45 water was $18 class pass I'm still
going off of your all's referrals so I
didn't have to pay for that this month
apple and Spotify I did contribute $200
to my Roth IRA so I love this little
breakdown here of my expenses 21% which
was those concert tickets was literally
like my biggest expense which is it's
kind of crazy that these tickets like in
my head it didn't seem like that much
money cuz I was seeing that these
tickets go for $800 $1,000 like so much
money so I'm like oh $280 not that bad
but the fact that these concert tickets
cost the same as my month of groceries
is kind of crazy Sabrina I can't wait
for this out album I hope it's amazing
though let's move over to July we're
going to restart here let's actually
start with the bills and everything so
like I said my rent went up about $100
so I'm going to round it to like $1,500
that's not exact I'll get the exact
number at a later time but because I
renewed my lease Nashville the rent
prices do increase here almost every
year and so it did go up by $100 a
person for me and my roommate that
that's for this is for a two-bedroom in
a nicer area of Nashville it's 1,500
each so this is what I want to change a
little bit I want to so my minimum for
my car payment is
$338 a month I am going to raise that
since like I said I will be making a
little bit more money now with this
part-time job that I'm adding into my
revenue streams I'm going to change this
to $500 I'm going to raise my student
loan payment to 200 that is what I want
to start paying now so hopefully this
will help me reach my goal of paying off
my loans and my car
more General savings I'm going to keep
the same for now and then taxes and
tithe is dependent on what I make each
month Roth IR I'm going to continue with
the 200 but I do want to be able to Max
this out by the end of the year so
towards the end of the year I'll see how
much money I have left over from
everything and I'll probably put a lot
of that into my emergency fund and also
maxing out my Roth
IRA okay now for the budget let me
delete all of these things here and
let's get started writing out what I
want my expected expenses to be for July
so gas I feel like $50 is good for me
because I thankfully don't drive a ton
around Nashville so $50 usually can last
me for a month lyt and Uber I may be
going out like once or twice this month
but nothing too crazy so I'm going to do
$30 coffee again we're going to move it
up to $40 because I was $60 last month
but I won wanted it to be 30 so we're
going to budget
$40 eating out what all am I doing this
month I feel like I'm going to try to
lower my eating out budget I've really
been enjoying trying new recipes and
eating at home more so I'm just going to
put $100 okay we'll see how that goes we
will see groceries I'm going to keep at
300 I think that was a really good
amount for me entertainment I already
know that I'm going out on a boat for my
friend's birthday and that was $40 and
then I want to maybe go see some of the
new movies that are coming out in July
so I'm going to add like 40 50 60 what
else I feel there was something else I
wanted to do this month I'm going to say
75 you know summer is in full swing
we're doing fun stuff if ENT if
experiences and entertainment costs
money that's okay
$75 Beauty I'm going to budget
50 cuz I already know I got a pedicure
this month so that's going in there
shopping SLP personal I'm going to do
100 gift I already bought my brother's
birthday gift and I I think that's the
only gift I'm going to have to buy this
month and that was around $70 pets I'm
going to do 60 and then travel so again
this is for the Disney trip starting to
buy things now like um gift cards I can
use on food and we're going to have to
maybe buy our tickets for the trip now
as well so I'm going to put $500 for
travel and that's why I'm kind of glad I
lowered some of these other expenses
because I know that I want to be putting
more money towards this trip and then
I'm going to put $100 for other I'm
trying to think of anything that could
come up that would just be other you
never know so in total this month I'm
spending a little bit more but I am
hoping to spend under
$1,500 basically
$1,475 we will see how it goes um again
checking in throughout the month is
really helpful all right that is it for
my July budget I hope you guys enjoyed
this video if you liked it make sure to
give it a thumbs up so I know to keep
doing these every single month I want
you guys to comment down below what's a
money or financial goal that you've
accomplished so far this year and what's
one that you're working on for the
second half of the year I'm so thankful
for you guys I'm so thankful for my job
I'm excited to start this new job and um
continue being transparent with money
because it's tough out here in our 20s
living in a city I understand and I
think it's good and exciting sometimes
to talk about it and just yeah be very
transparent um and hopes that it helps
you out or motivates you in your own
finances all right that is going to be
it for this video I hope you guys
enjoyed and I will see you all in my
next one very soon bye
[Music]
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