What I Spent in a Month as a Self-Employed 31-Year-Old | September Money Review & October Budget
Michela Allocca
9,690 views
September was busy, social and a little over budget, and I feel good about it. In this monthly money review, I go through my September numbers, share my net worth update, talk honestly about why my grocery spending keeps climbing, and plan my October budget before a big trip to Ireland.
Every month I follow the same 3-step process to manage my money: (1) update and track my numbers (income, expenses, savings, investments and net worth), (2) self-reflection on what my money actually did for me, and (3) plan next month's budget and set a spending intention. If you need accountability for your own monthly budget review, grab your budgeting tool and do it with me.
In this video:
👉🏻 My September financial scorecard and net worth update
👉🏻 Where I overspent, and what was (and wasn't) worth it
👉🏻 How I think about going over budget and lifestyle inflation
👉🏻 Planning my October budget and spending intention
📊 Personal Finance Dashboard (my all-in-one money management tool): https://breakyourbudget.com/personal-...
📝 Basic Budgeting Template (a simpler way to start tracking expenses): https://breakyourbudget.com/basic-bud...
💰 SoFi high-yield savings account (where I keep my sinking funds): https://secure.money.com/pr/pa5344bfc4f2
🛍️ Rakuten (cash back for holiday and Black Friday shopping): www.rakuten.com/r/MICHEL156676?eeid=28187
Tell me in the comments: what's your spending intention for October?
GET THE NEW PRODUCTIVITY PLANNER!
👉🏻 https://breakyourbudget.com/productiv...
Subscribe to the Beyond Your Budget Substack:
https://breakyourbudget.substack.com/
Personal Finance Starter Kit:
https://breakyourbudget.substack.com/...
BREAK YOUR BUDGET RESOURCES:
💸 Personal Finance Dashboard:
https://breakyourbudget.com/personal-...
💸 Basic Budgeting Template:
https://breakyourbudget.com/basic-bud...
💸 FI/RE Template:
https://breakyourbudget.com/fire-temp...
💸 Rent vs. Buy Calculator:
https://breakyourbudget.com/rent-vs-b...
💳 TOOLS I USE:
💸 Rakuten Cash Back (cash back on purchases you're already making): https://shorturl.at/w0PcH
💸 SoFi HYSA (my fave high yield savings account): https://secure.money.com/pr/pa5344bfc4f2
💸 Classpass (try it for a discounted first month): https://classpass.com/refer/UKLV6BN026
📚 MY BOOKS:
💸 Own Your Money:
https://breakyourbudget.com/own-your-...
💸 Own Your Career:
https://breakyourbudget.com/oyc-book
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 Instagram (Break Your Budget): Instagram: breakyourbudget
📸 Instagram (Personal): Instagram: michela_alloccaa
📲 TikTok: TikTok: breakyourbudget
💸 My ShopMy: https://shopmy.us/shop/michelaallocca
TIMESTAMPS:
00:00 September recap + what's changed this year
04:30 Step 1: Tracking my numbers & financial admin
07:00 September financial scorecard
08:20 How my S corp 401(k) profit share works
09:25 Step 2: Self-reflection (monthly overview)
11:15 Why my groceries hit ~$500 this month
17:00 Harry Styles tickets (worth every penny)
19:00 Where the money comes from when I'm over budget
20:30 What was worth it, what wasn't & what I'm saving for
26:00 Step 3: Planning my October budget
17 Comments
What I Spent in a Month as a Self-Employed 31-Year-Old | September Money Review & October Budget
Michela Allocca
9,690 views
September was busy, social and a little over budget, and I feel good about it. In this monthly money review, I go through my September numbers, share my net worth update, talk honestly about why my grocery spending keeps climbing, and plan my October budget before a big trip to Ireland.
Every month I follow the same 3-step process to manage my money: (1) update and track my numbers (income, expenses, savings, investments and net worth), (2) self-reflection on what my money actually did for me, and (3) plan next month's budget and set a spending intention. If you need accountability for your own monthly budget review, grab your budgeting tool and do it with me.
In this video:
👉🏻 My September financial scorecard and net worth update
👉🏻 Where I overspent, and what was (and wasn't) worth it
👉🏻 How I think about going over budget and lifestyle inflation
👉🏻 Planning my October budget and spending intention
📊 Personal Finance Dashboard (my all-in-one money management tool): https://breakyourbudget.com/personal-...
📝 Basic Budgeting Template (a simpler way to start tracking expenses): https://breakyourbudget.com/basic-bud...
💰 SoFi high-yield savings account (where I keep my sinking funds): https://secure.money.com/pr/pa5344bfc4f2
🛍️ Rakuten (cash back for holiday and Black Friday shopping): www.rakuten.com/r/MICHEL156676?eeid=28187
Tell me in the comments: what's your spending intention for October?
GET THE NEW PRODUCTIVITY PLANNER!
👉🏻 https://breakyourbudget.com/productiv...
Subscribe to the Beyond Your Budget Substack:
https://breakyourbudget.substack.com/
Personal Finance Starter Kit:
https://breakyourbudget.substack.com/...
BREAK YOUR BUDGET RESOURCES:
💸 Personal Finance Dashboard:
https://breakyourbudget.com/personal-...
💸 Basic Budgeting Template:
https://breakyourbudget.com/basic-bud...
💸 FI/RE Template:
https://breakyourbudget.com/fire-temp...
💸 Rent vs. Buy Calculator:
https://breakyourbudget.com/rent-vs-b...
💳 TOOLS I USE:
💸 Rakuten Cash Back (cash back on purchases you're already making): https://shorturl.at/w0PcH
💸 SoFi HYSA (my fave high yield savings account): https://secure.money.com/pr/pa5344bfc4f2
💸 Classpass (try it for a discounted first month): https://classpass.com/refer/UKLV6BN026
📚 MY BOOKS:
💸 Own Your Money:
https://breakyourbudget.com/own-your-...
💸 Own Your Career:
https://breakyourbudget.com/oyc-book
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 Instagram (Break Your Budget): Instagram: breakyourbudget
📸 Instagram (Personal): Instagram: michela_alloccaa
📲 TikTok: TikTok: breakyourbudget
💸 My ShopMy: https://shopmy.us/shop/michelaallocca
TIMESTAMPS:
00:00 September recap + what's changed this year
04:30 Step 1: Tracking my numbers & financial admin
07:00 September financial scorecard
08:20 How my S corp 401(k) profit share works
09:25 Step 2: Self-reflection (monthly overview)
11:15 Why my groceries hit ~$500 this month
17:00 Harry Styles tickets (worth every penny)
19:00 Where the money comes from when I'm over budget
20:30 What was worth it, what wasn't & what I'm saving for
26:00 Step 3: Planning my October budget