I hope you're having a lovely day today and I hope it gets even better from watching this video.

Today we're chatting all about little secret tips, tiny habits to glow up your finances and enter your rich girl era.

Just get really knowledgeable about finances so you know what you're talking about, you know what you're doing.

We're going to be covering so many things from your money mindset to investing to budgeting, saving, emergency funds, sinking funds, all the things.

A few years ago, I was completely financially illiterate.

So when I make these kinds of videos,

I like to make them very like easy to understand.

So literally if you're starting from scratch, you're welcome here.

We're going to explain everything very easily so that you don't feel stupid because that is not the point, okay?

And everyone has to start somewhere.

So don't you worry, okay?

You don't have to be intimidated.

We're going to get through everything.

And if you're new here, hi, I'm Nika, welcome.

I make videos all about self-improvement and I like to make them very like actionable.

Here are the tips, the tricks, so you can actually create like the life that you want.

So if that works for you,

I would love for you to stick around and subscribe and check out my social media if you want to see more of my personal life.

And without further ado, let's jump straight into it.

We've got lots to cover.

The first thing we're going to talk about is your money mindset because I feel like that's such a pillar when it comes to creating that foundation for your amazing financial future.

Obviously, if your mindset around money is really negative, if you have a lot of stress around money, if you think money is evil, etc., it's going to be really hard for you to create the life that you want financially speaking.

You're going to have a lot of resistance towards actually doing the things that you need to do to get to where you want to go.

So first thing you're going to do is you're going to write down all of your negative kind of limiting beliefs around money.

So this can be things like money is the root of all evil.

People who are rich are selfish and greedy.

Of course, you can add to this list as you go on, but then you're going to start to reframe them one by one and you don't want to do this all in one day.

You want to do this one at a time.

I honestly wouldn't do more than like one per week.

Obviously, it depends on you, but you can get easily overwhelmed with these things and also you need time to digest this mental shift.

Just changing one is going to make a big difference.

Trust me.

So here is your step-by-step process of how to reframe these beliefs.

So the first thing you're going to write is what is your emotional payoff of keeping this belief.

So if I believe money is the root of all evil, my emotional payoff, for example, could be that I don't really have to go after what I want because I kind of have an excuse, like because if I make that money, that means I will be one of the evil people.

I don't want that.

So that is a nice little cushiony excuse for me to not put myself out there, to not go after my goals because money is the root of all evil anyway, so I don't want that.

Then you're going to write proof of why you believe this.

Number one, my family used to always tell me this.

Number two, I met this chat guy who was a rich a**hole and he thought the whole world revolved around him and, you know, he was super greedy, selfish, whatever.

And then you're going to go through each point.

You're going to dissect it and prove yourself wrong.

Obviously, this is going to be very personal, but for example, with the family thing.

So maybe my family used to always say that about all the rich people, even though it probably does not apply to every single one, to keep us where we were, to feel good about where we actually were and feel like we're the good ones and the righteous ones and everyone with money is bad and evil, which is probably not the case.

The chat guy probably would have been an a**hole whether he had money or not.

You know, you go step by step and you expand on it as much as you can so that you really, really shift something.

Next, you're going to write the belief that you would rather believe.

So let's say my belief would be money is actually just a tool.

What someone does with it is based on their character, their upbringing, whatever, their personality.

Money in itself doesn't have a power to change someone.

It might bring out certain qualities, but money is not the problem here.

It's the person behind it.

Then you're going to write evidence and proof of why this new belief is true.

So let's say you actually met quite a few people that were actually really lovely and very giving.

There's so many organizations that do so much good, where people with money donate to all the time, yada, yada, yada.

And then lastly, you're going to write the emotional payoff of this new belief.

First of all is that I can now view people as they are and judge them not because they have or don't have money, but based on the quality of their character.

Also, I can now go after what I want because I know it's not going to make me evil, etc.

So just write as many things as you can think of.

And that is basically the whole process of you changing these negative beliefs.

The next tip, obviously, budgeting.

That is something we cannot not talk about when it comes to your money glow up.

I really feel like, again, that's just another pillar of your foundation.

It teaches you so much about, first of all, where your money is actually going, what the real situation, the reality of your finances is.

I know that's scary to look at, but it's so important.

You can't fix a problem if you don't know what the problem is in the first place.

And then it's basically your guide of where you're going to put your hard-earned money.

Of course, you might want to limit yourself in certain areas.

And the whole point is that you can save more money that's going to go towards your emergency fund, maybe a down payment on a house, maybe investing, whatever it might be.

It's going to create those healthy habits that you're going to have for the rest of your life.

I made a whole video about this where I go in detail about how to set up your budget and everything you need to know.

Plus, we talk about building your emergency fund, which I feel like should be your first step.

I'm going to link that down below so you can check it out.

Again, it's made for complete beginners.

So if you are like, where the hell do I start?

Watch that.

I'm very type A, okay?

I love systems, organization, notion templates, the whole thing.

So for me, it really, really helps to have a really nice budget.

I used to just use notion ones that I made for free, but right now I'm using one by Coplante.

What is it called?

I'm using the yearly budget 3.0.

This is not sponsored, by the way.

I found this on my own on YouTube, actually, and I love it so much.

It's so aesthetically pleasing.

It has so many graphs.

It's very like automated.

You just put in your expense.

It does everything else for you.

It's so, so, so nice.

The girl who made it actually reached out to me because she saw me using it.

So she gave me a little code.

It's Nika10 for 10% off.

You don't have to buy this, obviously.

You can literally do it in your journal if you want to, but I love to have a really, really good, easy-to-use budget.

And this one is my favorite that I've ever used.

I genuinely get so happy anytime I just look at it.

I have some issues probably.

If at the moment your spending habits are a little bit out of control or let's say this past month you spent like way too much money and you just want a little reset, an amazing idea is to do a low spend month.

So let's say in October you're going to do a low spend month and you're just going to spend money on your absolute essentials.

So obviously, I don't know what your absolutely necessary expenses are.

It's going to vary from person to person.

For me, for example, therapy is involved in this.

Going to a workout class is involved with this because it makes me feel a lot better, but I'm not going to be shopping for clothes or makeup or even take out or eating out, stuff like that.

So you need to determine what your low spend month is going to look like and then stick to it again for a whole month.

It is such a good reset.

You really notice like your tendencies.

It's a really good wake-up call.

And I actually made a whole video about how to change your spending habits and I included a lot of other tips along with this one.

So if you want to check that out after this video,

I'll link it down below as well.

In the budgeting video, I talk a lot about saving and building your emergency fund and all of that.

So again, you can check that out.

But some very important basics.

Open up a high-yield savings account.

That's basically a savings account with higher interest rates.

So you're going to make more money by your money just sitting in your savings account.

I will never understand people who just save by like leaving their money in their bank account.

I cannot do that.

Like if there is money in my bank account,

I'm going to spend it.

So I have a separate savings account and then you can either automate your savings that are going to be the same every single month.

If you have a very stable income, it's the same every single month.

You know how much money you need throughout the month.

And let's say you have €150 left at the end of the month.

You can schedule an automated transfer at the beginning of the month when you get paid.

So it's kind of out of sight, out of mind.

It happens automatically.

You don't need to think about it and that money is not even there for you to spend.

If you're someone like me whose income kind of varies month to month, it's obviously really helpful to figure out your budgets so that you know how much money you need throughout the month and then you can put the rest into your savings account whenever you get paid.

It's so helpful to save before you spend.

So you put money in your savings account first and then you can spend the rest, whatever that amount is for you.

This one is kind of random and I know some of you are going to be like, obviously, Nika, hello.

But this was not obvious to me, okay?

And it is to take advantage of what your bank offers.

Whether that's travel miles, different offers for hotels, a high-yield savings account as I've mentioned.

Like there are so many things that certain banks offer.

I really didn't take advantage of this because my Slovenian bank doesn't really offer anything to be honest.

But I did open a new account at an online bank and they offer so many things.

I, for example, found a lot cheaper hotels on there than anywhere else, really cheap airport lounges.

There's also a lot of options for savings.

Like for example, I'm sure this has a name.

I honestly don't know it, but let's say you spend 4 euros and 70 cents on a coffee and then you can turn on this savings option where it rounds up the price and saves the rest.

So we spend 4 euros 70 cents on a coffee, rounds it up to 5 and it automatically saves the 30 cents.

So that is like a cool little way that you can save more money without even noticing and it's just worth it to check what your bank actually offers because I honestly didn't do it for so long and I would have opened that online bank account a lot sooner if I knew that my bank literally offers nothing and so many other banks do.

So just check that out.

This again might be very basic for you, but it was not for me.

Another big tip when it comes to creating your positive money mindset.

Let me know if you want a whole video about this, by the way, I would love to make it.

But an amazing thing to do is to really visualize what this is going to look like.

So I personally like to work in shorter increments instead of visualizing like 10 years from now.

That's so hard for me to do because I'm like I have no idea what my life is going to look like then.

So I like to imagine maybe a year, two years, three years, something like that.

Where do I want to be financially in two years?

So how much money do I want to have?

Do I want to be investing?

How much I want to have saved?

Like kind of specific numbers and goals and that gets me excited and I have a goal to work towards but it doesn't really help me to create like a full vision.

So what I like to do is to fully imagine who this version of me is going to be that has reached these financial goals and how my daily routine is going to look like, how my lifestyle is going to look like, how I show up, my relationships, maybe like knowledge that I'm going to have.

That puts everything into perspective and it's so much easier for me to imagine and it gives you that like emotional reason for wanting to work towards that goal, which is so important.

Another thing I really like to write down is what I'm going to be giving once I have this amount of money.

So maybe that would be

I want to take my mom on a nice trip to somewhere she's always wanted to go or maybe you and your friends go out for drinks and you can just really excitedly say like drinks are on me guys, let's have a blast, anything.

And then you can create a vision board to help you visualize this lifestyle and this version of you.

And you can also ask ChadGBT to write like your perfect day in the life.