Script Pipeline

I give messages every single day for people saying, how do I budget? And so I'm basically giving you a crash course on how you should budget. If people message me this, I usually send them a voice recording. This is exactly what I would say to them. Create a budget. This is like the top thing that you need to do. And in order for you to create a budget, you actually need to go backwards and actually work out how much money you are spending. And I want you to do this across three months to take January, February, March. I want you to literally go into your bank app and have a look at every single line, every single dollar that you spend, I want you to categorize it. The categories that you can include are petrol, food, entertainment, health, phone bill, rent, shopping, other, bleacing or gifts or giving away, calm, maintenance, insurance. And then obviously you've got all of your savings as well. But those are kind of some good spending ones to start off with. Every single item that you spend must fit into one of those categories. That's why we have another. Once you've worked that out, then I want you to actually work out exactly how much money you are spending in those different categories. And actually see if your income is greater than your expenses. If your income is greater than your amazing, great. But I want you to re-look at your budgets. I want you to look at how much you're spending every single month and go, is that actually feasible? Am I actually going to be able to save if I continue living this lifestyle? Save your income is $5,000 and your expenses are $4,000. That's only giving you $1,000 per month to actually be saving. That's not a lot. So I want you to have a look at all your different expenses and every single category and see if you can try and like kind of squash them a little bit. Ever so slightly. Save your foods 500, then maybe see if you can budget for 400. Say if you're Uber Eats and you're eating out every single like second night. Then see if you can maybe do it once a week. You need to make sure that your spending is realistic as well. Don't just look at someone else's online and go, oh my gosh, she's only spending 250 per month. That's what I'm gonna spend. Cause it's not realistic. You need to make sure that your spending is realistic to what your needs are. Finally, once you've worked at your different categories, finally once you've worked at your budget, then you are going to split off your money when your income comes in and you're different accounts on your banking app. This can be done for free on ASB app. It's so handy. A lot of different banking apps can do it. But I know for a fact that ASB is free. And every single time you spend money from that category, you're literally gonna stand there at the checkout and you're gonna move money across. Right there. You're only gonna have $50 in your Eiffel's account. Ever. And it means you're pretty much forced to every single time you're at the checkout. I know it's embarrassing, but you're gonna force yourself to just transfer to the dollar, transfer into your Eiffel's account. And stick to your budget. Try your view best because you'll jump into your app and go, oh, do I have enough money for this Eiffel's account? No, I've only got 35 dollars, then I can't buy it. Stick to your budget. I know that everyone fails though and I fail. Be gracious to yourself, but anyway, that is a two and a half minute crash course on how I would budget. Let me know if you've got any questions. If you do have anything, message me on Instagram.