ACCOUNTANT EXPLAINS: How I manage my money on payday: Income, Expenses & Savings

Thank you so much Nischa - this is super useful! 😀

Your video pop up whilst I was studying and my goodness I am now binging on them. Literally covers every aspect very detailed but yet very clear, precise, eloquent, understandable concept, infographic is amazing, no jargons. 👏👏👏👏👏👏👏I am grateful I stumbled on this.

Thanks for the vid

Such a shame that after a great video, the link to the spending tracker doesn't work

Does the spreadsheet carry over the amount left after all payments into the next month?

I did not get this sheet in the email, is there anything i am doing wrong?

Nisha... with your looks and knowledge you can manage my money anytime.

I'm getting hung up on the fine details..... For example, how would I categorize supplements, like my liver supplements? Lump it into the groceries bill? It's for health which could be considered a "future you". We buy a lot of supplements. haha

Thank you Nischa! Great planning tool. I am going to try it for 2024. I am loving it already.

Hey, do you put student loan payments towards the future you or fundamental column?

I used to practice this for year, and now I’m back at it thanks to you and your great tracker template. Money management is back on for me y’all!🤟🏽😎💰

BTW if I don’t find such an app for this tracker-like Excel template I’ll definitely build one myself for personal use! 👨🏽‍💻📱(Since using Excel over the phone is not quite comfortable).

Thanks a million! 🙌🏽💵

Can you please do a video on how to manage business funds?

I'm following you from my 3 accounts now, and I'm super glad i did . Great work with the worksheet! More power to you !!

How do you track the expenses ? So do you manually key in the individual expenses into another excel sheet?

The link not working for me either "Sorry, your submission failed. Please try again." Nischa, can you assist?

I found your channel about a month ago and have been watching ever since and like it very much. This video is particularly good and I'm planning introducing your channel and this video to my son as he's going through some challenges right now. You are incredibly attractive, intelligent, and I absolutely love your accent and pronunciation of words (I'm in the US) altogether it's a killer combination. Keep up the great work and solid, relevant content Nisha! Thank you.

Thanks for the video, but the download of the tracker fails after I enter my first name and email.

nicely explained money management technique.. explained very efficiently and effectively.. Thank you so much..

My fundamental column have been 98% for over 2 years hahaha. i think i need a better job xD hahahaha

Fantastic video, thank you. Looking forward to using the spending tracker in place of my current "self-designed" spreadsheet 🙄

Thank you Nischa for this video and added tracker! It has been just so easy to fill out and it was such an eye opener especially to see where most of my money is going to! Started this year with a lot more clarity on how my financial situation is at the present and where the options are for me to get it balanced in the coming year! I always have struggled with a variety of sheets and systems to keep track of my finances, but your easy and clear tracker , especially those percentages!!, just makes me coming back to it, even just for fun! Thank you so much for all your videos and all the work and love you put into them! 💖

I thought the thumbnail said "How I track my MONKEY" and I clicked instantly but I did stay for financial advice.

Unable to download the file, Even after adding the email address it doesn't work. Can you please help.

Beauty with Finance
Yeah..😃😃

Merci !

This is awesome and super helpful, but how would you account for debt? Because right now, I don’t really have savings because all of my extra funds go straight to paying off debt. Would I put my debt payoff goals in the savings categories?

Hi, newbie here. I do not seem to be able to download this budget spreadsheet. I’ve added my email. Thank you.

Thank you so much for sharing your Tracker Nischa. I've been to perfect my own but I'd probably just use this since it is much more user friendly.

Thanks Nischa. That was awesome. Where will you put life insurance? Assuming insurance in the fundamental section is more risk insurance like motor vehicle and household insurance.

The spreadsheet is amazing. I’m going to give it a serious go. Thank you! 🩷

Thank you for the content... is the document still available? I've followed the link, input my email, checked spam but found nothing so far... again thanks for the content, please can you let me know about the form!

Hi Nischa! Great video, I learned a lot. Curious - why do you choose to track your budget through a spreadsheet vs a personal finance application like Neontra?

I did it just for fun, but found I spend 81% on essentials, 2.4% on fun, and 8.7% on future me... I need a second job for sure

My computer is telling me there is a problem with some of the content in the download. I tried to use Microsoft Excel.Any suggestions?

you are so beautiful... :) thanks for the great info, very useful...

HAPPY NEW YEAR1 I guess God had sent this video my way to start the New year off on a good foot. I have a question. On the tracker, how do I enter the amounts from apps like Acorn and Qapital when the monthly amount varies from month to month. Both apps works based on how much I used my debit card and it rounds up my spending and puts it into the app. I've used Qapital as my Emergency Fund and Acorn as one of my Retirement Fund. So how do I input the month amount into the international spending tracker?

I have tried auto pay for bills and sometimes they simply do not take the money and then charge me a late fee!! I argue everytime and sometimes get the fee refunded. Sometimes they do not. But it is easier

Thank you so much for this

The advice is completely accurate - you need to manage your money. I started tracking my income and spending back in 2018 and have made huge strides on increasing net wealth.

I don’t use a complicated spreadsheet though - I just use Quicken Classic and manually enter every single transaction in every account. This manual work helps me be interactive in understanding what’s coming in and what’s going out.

$1200 mortgage sounds ancient

Hey, Do you have any straight forward solution (like a web app) that could simplify this process?

No email comes

Nischa, thanks for sharing your knowledge. I'm a new sub, stumbled across your content at whay feels like the right time. I start a new job in Jan 2024 and have a goal to get on the property ladder this time next year... Your money management advice, I know will be a great help in this regard. Thanks Abi.

I wonder how self care ( including hair cuts, nails etc) falls in her “Not essential” a.k.a fun category ? Very strange categorisation!

Nice vedio, how can I contact to you.

Great video Nischa, I'm definitely going to be using this tracker during 2024!

Does it make sense to setup a standing order for eeach reoccuring payment from your income account to expense account? (e.g netflix subscription, parking subscription etc) the prices of these changes and i guess i would have to update the standing order?

Great video and spreadsheet! I think I really like it to use as a reset and review before the next month.
Where would you input spending vs saving for future expenses? For example I pay yearly property taxes, so would I put the amount I set aside each month in Fundamentals? Or self-development has both spending and savings amounts. Would those be both in Future You?

I keep coming back to this video because I’ve found it to be so helpful. Thank you so much Nischa