In today's video I'm sharing with you exactly HOW I budget and WHY I budget. Budgeting is the number one way that I stay mindful with my spending, and how I've been able to work towards my financial goals like paying off debt, saving and investing without necessarily cutting out the things that I enjoy everyday.

Learn more about investing with a little help from TD https://rebrand.ly/ChristinaYT

I'll be sharing how I budget the aftertax money from my 95 job, where I work 4 days a week currently. For simplicity, I haven't included my side hustle income such as YouTube and social media. If you want another video talking about how I make extra income online, give this video a like a let me know in the comments below.

Some budgeting tools to try:
every dollar https://bit.ly/3UtFJmM (free & paid)
ynab https://bit.ly/3xGNa0d (paid)
personal cash flow calculator https://go.td.com/3DGrrcB (free)
mint https://intuit.me/3BWXaFl (free)
oops https://apple.co/3UnK4rM (free)
spreadsheet in video https://bit.ly/3T1ruEp (free)

✨jewelry is always Mejuri https://mejurifinecrew.sjv.io/vnQvrL

Instagram   / christina.mychas  
TikTok https://bit.ly/2WaELlQ
My Website https://www.minimalistish.com/
Low Buy Beauties Shopping Support Group http://bit.ly/2R3AHxC
The Budgeting App I Use https://bit.ly/35SgX8G
FREE Wardrobe Tracking Spreadsheet https://bit.ly/3lPJ8eu

For business inquires, contact: [email protected]

Codes & Discounts (if you want to)
ORGANIC BASICS use code OBXSTYLE to save off 10% off your order
https://bit.ly/3BahXSG
SAMARA crueltyfree minimalist bags & accessories (femaleowned, from Toronto) get 10% off your first order with code CHRISTINA10 https://bit.ly/3kHWibA
MINORI crueltyfree minimalist makeup (female owned, from Montreal) https://shrsl.com/3dmsl use code CHRISTINA15 to save 15%!

FTC: This video is sponsored by TD. Items marked * are gifted. Some links are affiliate. Affiliate links provide me with a small commission at no added cost to you, and helps support my channel! Any financial discussions on this channel are for entertainment purposes only; not financial advice.

DISCLAIMER:
The information contained herein is for information purposes only. The information has been drawn from sources believed to be reliable.

The information does not provide financial, legal, tax or investment advice. Particular investment, tax, or trading strategies should be evaluated relative to each individual’s objectives and risk tolerance.

{NTD Mutual Fund Disclaimer}Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund facts and prospectus, which contain detailed investment information, before investing.

Mutual fund accounts are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer and are not guaranteed or insured. Their values change frequently. There can be no assurances that a money market fund will be able to maintain its net asset value per unit at a constant amount or that the full amount of your investment will be returned to you. Past performance may not be repeated. Mutual fund strategies and current holdings are subject to change.

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TFSA
Annual contribution limit for 2021 is $6,000. Annual contribution limit for 2019 and 2020 was $6,000 and from 2016 to 2018 was $5,500. Annual contribution limit for 2015 was $10,000. Annual contribution limit from 2013 to 2014 was $5,500. Annual contribution limit from 2009 to 2012 was $5,000. Annual TFSA contribution limit subject to change by the federal government.

RRSP
Subject to conditions and eligibility. Subject to conditions on the type of RRSP.

The RRSP contribution limit for the 2021 tax year is $27,830, or 18% of the earned income reported on your 2020 tax return — whichever is less. Any unused contribution room from previous years is also carried forward, so it could be more. Pension adjustments may also impact the contribution limit. You’ll find your current RRSP contribution limit in your latest Notice of Assessment or by contacting the Canada Revenue Agency (CRA).