Uploaded December 2025 | Updated September 2026, 1 week ago
Thanks to Monarch for partnering with me! Get 50% off your first year by using my link monarchmoney.yt.link/5LKdzJX or discount code nika50 when signing up for a free trial! Welcome to calm, confident money! #monarchpartner
Come say hi! 🧸
🎀 Instagram: @nikaerculj instagram.com/nikaerculj
💸 Budget I use (get 10% off with code NIKA10): coplenty.com/?ref=nika
👉🏼 the life design planner i use: nikatemplates.com/store/p/lifedesignplanner
👉🏼 the 2026 ultimate yearly reset: https://www.notion.so/templates/the-2026-ultimate-yearly-reset
girly if you’re going into 2026 like “I want to save money but I still want a LIFE”… this is my exact first €10K system. 🤍
Saving my first €10K changed my confidence, my habits, and the way I look at money. in this video we’re doing it in a realistic way: audit your spending → set a budget → automate saving → find leaks → save more, spend less → make more money.
✨ comment your €10K timeline (12 months? 18? 24?) and I’ll cheer you on
🔖 save this video for your next money reset (not financial advice - just what worked for me)
🎥 videos mentioned:
Your Money Glow up Playlist: youtube.com/playlist?list=PLut3h0JNT-HhdOIJIdC-LuLKPG1fJWjkj
Your Money Glow Up: Budgeting, Saving & Building Wealth in Your 20’s 💸 youtu.be/z8dcZvTHmj0
Your Shopping Habits are Keeping you Poor: 10 Micro Habits to Stop Overspending & Level UP! youtube.com/watch?v=p9e7SQuzBvg&list=PLut3h0JNT-HhdOIJIdC-LuLKPG1fJWjkj&index=1
16 THINGS I NO LONGER BUY TO SAVE MONEY 💸 youtu.be/Nl4ALObEjlM
🎥 videos you might like:
7 Money Mistakes Everyone Makes in Their 20s (And How to Avoid Them) youtu.be/IvlG2AZ6jG8
How I’m Saving to Buy my Dream Home in my 20's 💸 How I Manage, Invest, Save & Spend my Money youtu.be/zY1gqvCWaWw
my book:
Amazon: amzn.to/3386uY6
contact (brand work only)
email: inquiries@nikaerculj.com
music:
♪ Free Music for Videos 👉 Music by Sonic Nothing - Blush - thmatc.co/?l=E645C665
Timestamps:
00:00-02:45 why €10K changes everything
02:45-04:44 audit your spending
04:44-07:10 spending breakdown & budget set up
07:10-08:35 savings account + goal math
08:35-09:35 save first (automation)
09:35-12:07 tracker + staying consistent
12:07-18:46 cut spending without misery
18:46-20:09 money mindset
FTC: This video is sponsored by Monarch Money
Thanks to Monarch for partnering with me! Get 50% off your first year by using my link monarchmoney.yt.link/5LKdzJX or discount code nika50 when signing up for a free trial! Welcome to calm, confident money! #monarchpartner
Come say hi! 🧸
🎀 Instagram: @nikaerculj instagram.com/nikaerculj
💸 Budget I use (get 10% off with code NIKA10): coplenty.com/?ref=nika
👉🏼 the life design planner i use: nikatemplates.com/store/p/lifedesignplanner
👉🏼 the 2026 ultimate yearly reset: https://www.notion.so/templates/the-2026-ultimate-yearly-reset
girly if you’re going into 2026 like “I want to save money but I still want a LIFE”… this is my exact first €10K system. 🤍
Saving my first €10K changed my confidence, my habits, and the way I look at money. in this video we’re doing it in a realistic way: audit your spending → set a budget → automate saving → find leaks → save more, spend less → make more money.
✨ comment your €10K timeline (12 months? 18? 24?) and I’ll cheer you on
🔖 save this video for your next money reset (not financial advice - just what worked for me)
🎥 videos mentioned:
Your Money Glow up Playlist: youtube.com/playlist?list=PLut3h0JNT-HhdOIJIdC-LuLKPG1fJWjkj
Your Money Glow Up: Budgeting, Saving & Building Wealth in Your 20’s 💸 youtu.be/z8dcZvTHmj0
Your Shopping Habits are Keeping you Poor: 10 Micro Habits to Stop Overspending & Level UP! youtube.com/watch?v=p9e7SQuzBvg&list=PLut3h0JNT-HhdOIJIdC-LuLKPG1fJWjkj&index=1
16 THINGS I NO LONGER BUY TO SAVE MONEY 💸 youtu.be/Nl4ALObEjlM
🎥 videos you might like:
7 Money Mistakes Everyone Makes in Their 20s (And How to Avoid Them) youtu.be/IvlG2AZ6jG8
How I’m Saving to Buy my Dream Home in my 20's 💸 How I Manage, Invest, Save & Spend my Money youtu.be/zY1gqvCWaWw
my book:
Amazon: amzn.to/3386uY6
contact (brand work only)
email: inquiries@nikaerculj.com
music:
♪ Free Music for Videos 👉 Music by Sonic Nothing - Blush - thmatc.co/?l=E645C665
Timestamps:
00:00-02:45 why €10K changes everything
02:45-04:44 audit your spending
04:44-07:10 spending breakdown & budget set up
07:10-08:35 savings account + goal math
08:35-09:35 save first (automation)
09:35-12:07 tracker + staying consistent
12:07-18:46 cut spending without misery
18:46-20:09 money mindset
FTC: This video is sponsored by Monarch Money
