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Elizabeth Ayoola

👤 Speaker
5640 total appearances

Appearances Over Time

Podcast Appearances

NerdWallet's Smart Money Podcast
The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

So all my savings, retirement savings come out of my paycheck first.

NerdWallet's Smart Money Podcast
The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

And then I have my fixed expenses.

NerdWallet's Smart Money Podcast
The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

So I know a certain amount I have to spend on my fixed expenses every single month.

NerdWallet's Smart Money Podcast
The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

And then the rest is a free for all girl.

NerdWallet's Smart Money Podcast
The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

Do what you want.

NerdWallet's Smart Money Podcast
The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

So I kind of just separate, in other words, my needs versus my wants after I pay myself first.

NerdWallet's Smart Money Podcast
The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

And then I just track my spending as the month goes on.

NerdWallet's Smart Money Podcast
The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

So if I'm close to my limit, then it's like, hey, girl, you got to pull back spending.

NerdWallet's Smart Money Podcast
The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

But something else that I find that I do a lot is when I am looking at what I spend, because I usually check my spending at least once a week.

NerdWallet's Smart Money Podcast
The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

I usually find themes with how I'm feeling because that really impacts my spending.

NerdWallet's Smart Money Podcast
The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

So I find when I'm in a very balanced place, I don't really overspend.

NerdWallet's Smart Money Podcast
The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

You know, I buy essentials.

NerdWallet's Smart Money Podcast
The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

Sometimes I spoil myself, but I'm pretty on budget.

NerdWallet's Smart Money Podcast
The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

But if I am maybe going through a difficult time or in need of a lot of comfort, then I find myself spending more.

NerdWallet's Smart Money Podcast
The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

So I more look through what I'm spending as a reflection of my feelings and maybe where I need to adjust.

NerdWallet's Smart Money Podcast
The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

Does that make sense?

NerdWallet's Smart Money Podcast
The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

I feel that.

NerdWallet's Smart Money Podcast
The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

Yes.

NerdWallet's Smart Money Podcast
The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

Another sinking fun, Sean.

NerdWallet's Smart Money Podcast
The “Commingled Purchase” Problem That Budget Apps Don’t Warn You About

Exactly.