Save: the kitchen stuff, decorations, books (read in my phone), going out (2 little kids), spend: educational webinars, stiff for kids, bags and shoes for me.
I have 3 dogs and 3 cats. Which means I am responsible for providing vet care, and healthy food for them. I have almost completely stopped spending $$ at fast food restaurants. I used to stop almost daily for a burger because I don’t like cooking for myself. But now I make a burger at home and it saves me $ and tastes better.
I spend more on groceries/water. I spend less on nails, hair, beauty products, eating out, clothes. I like to save to travel and buy experiences for my husband and daughter.
I only spend on food gas I dont spend on anything anymore.....Ive been able to save for my goal....I live alone so all expenses fall on me so I need to be tremendously frugal and im ok with this.
Spend: personal protective equipement (helmets, sunglasses, etc.), hair care, sunscreen, footwear, certain clothing items (pants, shirts, coats and sweaters, socks, belts), bedding, home gym and recreation equipement, coffee, dyi/custom heavy use furniture (i.e. desk, cabinetry, couch), audio equipment, perfume. Save: bags, skin care, other clothing (jeans, tops, swimsuits, gym wear, shorts, skirts, dresses), low wear furniture and decor (i.e. bedside tables, side tables, accent lamps, plant pots), alcohol and restaurants, electronics, vehicles. I spend on items that are either for safety/health, for comfort, or will be of use for >10 years.
As someone still navigating financial literacy your money vlogs truly help me figure out how to be more frugal and find what things make me happy so thank you 🙏🏽
I love being surrounded by the books that I enjoyed, and enjoy supporting authors and my local bookshop. One way I’ve cut down is by borrowing from the library and then only purchasing books that I truly enjoyed, versus every book I want to read (I read 100+ books every year so it adds up)!
Libraries are awesome! (I thought so even before my mom became a librarian. 🙂) Thank you for supporting your local library! In addition to books, circulating materials can include DVD's, magazines, and access to e-books, and some even have things like sewing machines, chainsaws, and kid's fishing poles you can borrow for free. Community outreach, book clubs, and fun live learning programs are also library staples.
This is huge for me too- I also read 100+ a year usually and use the library for the bulk of them (including a lot of digital and audio books that my library system offers) and then buy the ones I want to re-read or keep.
I adore libraries. And you are not only saving yourself money but helping libraries as their budgets can be determined by footfall and usage. They perform a massive service: helping people access the internet, giving children access to discovering books, even just giving people somewhere warm.
I've cut out frivolous spending on clothes and makeup. Simplified my skincare routine as well, drugstore items are truly effective, and better than high end! Watching this has reminded me to get back to monthly budgeting. Thank you!
It would be great if you could explain how you transitioned from spending all your time shopping to what you do now since you aren’t shopping. I’m trying to curb my spending as well. Really appreciate your content ;)
The key for me was to make other interesting activities more accessible, and putting up some barriers between me and the checkout button: The biggest help for me was removing the Amazon app from my phone, logging out of the desktop site so I have to log in each time, and removing my saved credit card info so I have to enter it each time. There are also browser extensions you can install that give you 30 seconds to change your mind after clicking the checkout button. Some people I know leave things in their virtual cart overnight and re-examine their selections in the morning. If I'm hungry or sad, I pause to get a bowl of cereal or pet the cat before I buy anything. Another thing I've found that helps is having other flexible and interesting activities always ready: a library book I'm excited to read, a game I'm determined to master, finding one of the dogs to ruffle their ears or take a short walk - even writing a "menu" of activities on a note card that I can pull out and remind myself of fun things I want to do. Like changing any addictive or habitual behavior, less shopping is easier if you're busy enjoying other things, instead of needing a "fix" to feel normal or functional. Be patient and loving with yourself, if you can. It took time to develop the spending habit, and changing it takes time, too, along with effort and energy. Oh, and one more idea: plan shopping or check-in days with a supportive friend, where you edit and finalize your carts together, instead of spending willy nilly every day of the week.
Here;s an idea that comes from James Clear who wrote “Atomic Habits,” which I recommend and can often be checked out at a local library in all book formats. When you’re removing an undesired habit you will need to replace it with a new attractive habit. Your mind likes efficient and familiar things and abhors the absence of routine. It can take a bit of time for the new habit to really click, but it can be done! There’s more to this process so finding his book or searching for habit replacement may be helpful for you.
Finding activities to fill, what would have been, shopping time was key for me. I picked up reading again, and I have read so many books now! It’s honestly been a really fun addition to my life. On the weekends I found organizations to volunteer with, for me that was a local botanical garden. I have a more stable exercise schedule too. Honestly, it opened up a lot of time to explore new and existing hobbies 😊
This year I decided to buy thrifted items for wardrobe items. It’s been enlightening to look for clothes in natural fibers. I really look at quality now. It’s amazing the finds that I’ve scored. I believe in buying good coffee-organic fair trade-and making it myself. The nearest coffee shop to me is a 20 minute drive. I admire your decision to get debt free. I vowed when we got free of debt (no mortgage, no car note ) that I would never pay interest on purchases again. It’s been several years ,and so far I’ve kept that vow.
Before the pandemic I was religiously getting my hair done at the salon every 8 weeks. Now I stretch it to 3 months because I noticed my hair growth was slowing down a bit and I could easily get away with visiting the salon once a quarter. Savings=$400.00 per year. Gel Manicures have been cut back as well to 8 months a year instead of every 3 weeks. (I do my own with just clear polish on the months I’m “resting” my nails from Gel. Savings=$450.00 per year I also don’t impulsively shop anymore online or at the mall and plan out my few purchases of the year carefully and intentionally. I now buy only quality vs. quantity and way fewer items. Don’t buy new books anymore either. Loved this video! Thank you!
Yes!! Coffee is not what makes or brakes your budget !! And you're sooo true about the pleasure of having Coffee outside and the importance of helping local Coffee shops. Thank YOU.
I feel like as of lately, buying things online in general has become an addiction, and my mental health/mindset around that has caused me to feel more internal stress than usual... being more mindful of my compulsive urges seems to be the one thing that's still a work in progress as well as my own attitude towards going out and doing things in-person, whether it's shopping or other activities.
Ithese videos are great because a lot of people are not taught budgeting, finance, credit/debit etc. Thank you! I spend on high quality food (meat from local butchers and veg/fruit from markets/farms). I save on not buying clothes, no alcohol, no smoking, and shop in charity shops.
Debt and spending have never been significant issues for us since we tend to be pretty frugal naturally, but during a couple of job layoff periods when we needed to look for ways to trim our budget, we tried the "extreme budget" coffee route and man was that not worth it! At least for us, it was such a (relatively inexpensive) simple pleasure and didn't impact whether we made rent, so we both agreed to stick with the coffee we liked and find the savings somewhere else. I kind of think that if you make frugality too unpleasant, you're less likely to meet your goals because you just get "over it" and want a treat and then boom, back in spendy mode.
I learned what I really like to wear in terms of skincare and makeup, and now I only buy the items I love. sometimes I fall into temptation, but some videos like this help me get back on track. I used to spend a lot on items I didn't like or weren't good, and after donating a lot of things, I learned that a small box should fit everything I use.
Good food is one thing I enjoy most and vacation. Curbing habits on shopping and makeup is what I’ve been more conscious of. Ive gotten better at buying things that I actually wear based on lifestyle not just because it looks cute or everyone has it. Also learning techniques on to care for clothing so they last longer. Lux items are great but I’d rather used my money on great vacation with family to create memories.
Another great video! I cut out wine/beer/spirits because of some health issues and I don't miss at all! I also cut red meat and most cheese from my food shopping and that helped a lot. After 3 years of Ebay clothes shopping, I am now actually buying clothes in stores: just bought some pretty high end dresses and shoes that are giving me great joy. Have a wonderful summer and thanks for excellent tips!
I have been watching your channel for so long, like since the start of your minimalist journey and I just want to say that your content has helped my shape my content. Now I am facing my own balances of money, wants, and needs and I just want to thank you for sharing what you have learned. It may sound super basic, but I'm sure there are others like me who are hearing these things for the first time.
Loved this video! I've cut buying starbucks, because I really do prefer making it myself but was being lazy, and have added that money into my grocery budget instead. Way more worth it.
you are inspiring to all of us who are in recovery..I have a test I do now and then to keep myself in check. i used to buy,buy,buy and rationalize by saying "i can always return it"...giving myself another opportunity to go into the stores and buy,buy,buy. I tested myself once...i had 5 different pieces of clothing to return at 5 different stores that i love. I went into each store, walked right to the service desk, returned my item (not for store credit) and walked out of each one without even looking, never mind buying.
I paid off my debt and I am debt free presently. But, I still budget for impulse buys because I cannot act like at any moment one can go back into debt if not careful. These videos are so helpful to me! Thank you!
Great video. I cut out a yoga membership, alcohol, and high end skincare. I don’t drink coffee. Following a budget and tracking my spending is helpful. I’m debit free. Your tips are spot on.
i realized i had a shopping problem back in January. i'd just gotten my OSAP deposit and Aerie had a new drop at the same time, i felt my body literally get excited to shop the launch and spend money. like, i got goosebumps and my heart started racing. i didn't buy anything, yet i still wound up blowing all $1800 of my OSAP cheque. I officially decided at the end of last month that that was over. grad school is my dream, so i'm putting any extra money into my TFSA to make sure i can't access it until i need to.
This is so relatable! I paid off my student loans at the beginning of this yr and it's the best feeling! I used to shop a lot especially on clothes and I find myself heading straight to the stores when there are sales even though there isn't anything I particularly need. I love Aritzia too, but yes, the $ does add up. Used to buy a lot of cosmetics, but cut down on that 90% because I don't need different eyeshadows, lipsticks, or blushes all the time. I practiced minimalism, but I learned to treat myself once in a while. I think the pandemic and lock down really helped me reflect on what I really need vs want. I increased my income when the pandemic began in 2020 because I opened my own practice on the side. I cut out buying clothes because I really don't need them when I'm working from home majority of the time. I haven't been traveling even though I would like to. With me getting closer to paying off my debt, I find myself being more disciplined and focus. Even after paying off debt, I find myself rarely buying clothes because I have a lot of clothes already. If I come across any pieces that I like, I will think about how often I'll be wearing it. I still eat out to try different interesting cuisine or food, but now I'm trying to buy a home, so that's another goal I'm focusing on that helps me spend wisely. If the time comes when it's safer to travel and I reach my next goal, I would like to travel overseas again. Thanks for sharing!
@@Christinamychas thank you! i watched yt videos (including yours) on people's journey to pay off their student loans so you and may others have also inspired me along the way! :)
I personally live for travel, and would probably have a semi-nomadic lifestyle if I could find a way to still do my job. Pre-pandemic, I would travel abroad at least 2 or 3 times a year, plus multiple trips domestically to go hiking. I can live without the fancy gym membership and the trips to the coffeeshop, but I will spend the money on travel EVERY TIME.
I agree! I am a total homebody BUT I love to travel...esp out of the country. But either you have the travel bug or you don't and if you don't, people shouldn't judge you. Love your channel!🥰 Well, one good thing about the pandemic was that we all took second look at our finances and it seemed for the better.🤗🤗
I now save by swapping high end make up and skincare for drugstore products (they are fantastic and don't see the difference). Instead of expensive clothing, I shop for high street brands that have excellent dupes for the looks that I like. For supermarket shopping, I've switched to grocery store brands and I buy in bulk. For holidays, I used to travel overseas yearly and now I've joined a hiking club and have weekends away that are amazing and cost very little. On the way to home ownership feels so much better than spending on consumer items!
I dye my hair at home. Also I cut my husband's hair myself (started doing it during the pandemics where salons were closed and it turned out I have quite a hairdresser talent). So much money saved!
Love this video and your perspectives. It’s been a long time since I’ve had debt but spent a good chunk of money on everything from name brand clothes to expensive dinners until I started planning for retirement. I’ve given up many things like you and feel great about it. Best thing is that I feel much better about my future retirement.
All good cut from budget, totally agreed with the skin care routine. However, I will never compromise on traveling. It's extremely important to go out there and see the world. There's way to travel within budget. It does not need to be a luxury trip like you see on social media. Sometimes you spend even less in the destinations than what you would spend in your country. Go out and see more!!
I agree. We live in a very expensive area. Practically anywhere we go is cheaper than here. Also, I feel like the experiences we have, traveling together and with friends, are priceless. I’m pretty low maintenance in other areas of life.
It's good you found the thing that is most valuable to you. But traveling isn't important to everyone. I love staying in the area around me, and see what is around here.
@@2010seajay Yes!! Good for you! That are memories that you will bring with you for the rest of your life. Material things are just things, we don't need them! Be able to see how others live and their cultures & foods with myself, my friends and family are what is extremely valuable to me. It enriches my knowledge and experience.
@@raquel5401 I do that too. I am very involved with my community and all the activities. I play tourist in my city often. However, I do think it's important to get out of my city bubble. I'm surprised of how many valuable experiences and ideas it brings me every time I travel. I learn a lot.
I quit the gym membership, I drink cold brew at home, I gave up drinking, I intermittent fast, buy drugstore skincare, and created a capsule wardrobe. I might get a basic pedicure 6 times a year and get my hair highlighted and cut 4 times a year.
I can’t stop watching your videos!! Your channel is pretty much all I watch on UA-cam my recommendations are filled with your videos. I put it on in the car listen to it in my free time and it really helps in this time in my life I’m trying to become a mindful consumer thank you for all of your lovely calming words and put together videos!! You’re inspiring
Even making good quality coffee at home is less expensive than buying out. I do agree though that everyone should decide which cuts are worth it to them vs which they truly love.
I defintely spend more on coffee now than I used to. Being depressed means that I want the thing that causes joy more than I want to save a bit of money. I used to feel guilty about spending on coffee several times a week, but I just found that my days start off better the days I have a local brew in my hand. I'll take my sugary coffee please!
I have started only purchasing my skincare and makeup during sales; it’s rare that I pay full price anymore. It’s taken some time to get my use cycles lined up with the sales, but most companies have their sales around the same dates-ish every year so I can plan ahead. This year I skipped the Fourth of July sales because I didn’t need anything, but will pick up quite a few items at the end of year holiday sales.
❤thanks for being real. I'm a "but it's on sale" gal and find myself purchasing clothing that's not getting worn. also I love a good cup of coffee too! great video!
Although I love love LOVE books, I've been trying to reduce the actual books I buy. It makes me sad because I love owning books [as my home library will attest] and I love supporting authors. I try to reconcile this by using my local library system and requesting books by certain authors. Also, I am usually saddened by the tea made in the US when I go to restaurants and coffee shops, so I usually make my own tea at home. I imagine, if I lived in another part of the world, getting tea out would be a problem with my spending. I love coffee but it tends to give me migraines, so I have it only very rarely. This is a huge money saver in the Pacific Northwest.
Book addict too ! Never had the desire to be the first to buy the hardcover best sellers so wait til in paperback or online used sales ; also , share books w/ friends & do a " cleanse " now 'n then to donate books . Enjoy " the golden age of mystery " genre which often cost less as they've been in reprint many times over & many " new " ( to me , at least ) authors to try . Favorite gifts to give & get ? Books ! A book & a cup of tea ... perfect !
I'm in a long distance relationship right now and I have been travelling to visit my bf every other month, but finally I'm going to be moving to his city (got approved to work fully remote!!). That will save me money on plane tickets and mean that I don't feel a bunch of pressure to fit in tons of fun aka expensive things every time I'm with him.
Your skin is beautiful. My skin care must be oil free and fragrance free. I was using department store products until I had to cut my spending too. I started using CeraVe six years ago and haven't changed. Congratulations on your minimizing journey!
Thanks for mentioning high-end skin care! I'm such a sucker for skin care marketing. But now I notice how they always use gorgeous, young models with perfect skin to advertise skin care that will "transform" your skin. Except ... that stuff so rarely does anything noticeable to my skin. Maybe there's a $100 cream out there that would improve my melasma/oily skin/large pores (prescription spot treatment from the dermatologist didn't work at all), but I'll remain mostly blissfully ignorant and use a good, simple cleanser, sunscreen, and oil-free moisturizer.
I recently learned that I am allergic to gluten so severely that if an animal has been fed grain before being butchered I will react to it. So food is the #1 thing I splurge money on, organic, grass fed meat and fresh whole vegetables. There's no allergy reason for the vegetables, I just found they taste better and I feel better when I eat them.
I also spend good money on coffee. I will never buy cheap coffee. Coffee is too important to me and is one of the things I enjoy most in life. A big way I saved money was to cut cable, which was like $120/month. I only watched like 3 channels. Saving that money freed up money to travel more, which is more important to me. I also never watch TV so I spend more time reading and (pre-pandemic) actually leaving the house to do something instead of just sitting at home watching HGTV.
Now I'm really curious which skincare products you now use! I've personally cut spending on clothes years ago because it wasn't serving me and I didn't want to keep things in my closet that I didn't love/wear. My biggest saves are probably cut/color and sticking to beauty items that work. I do spend on travel or experiences because I am a travel bug and enjoy doing fun things with my kids and family.
i work for a small local speciality coffee roastery, i very much approve your support of that idea 😁 even before i worked here i used to buy their coffee all the time and brew it up at home. but yeah, who doesnt love a tasty take-out coffee drink once in a while, yum!
I recently cut out the gym. It was hard, it was something I thought I needed. But I’ve found that walking a few miles a day is so much more effective and therapeutic!
We also cut out alcohol, same it didn't make us feel very good. Don't miss it at all. We don't eat out, cook everything at home and make weekly menus for grocery shopping. We are retired and did our travelling while we both worked so now we just enjoy things close to home or visiting the grandkids. But we still can't give up our cable yet.....
It's all about tracking your personal spending and working out what's important to you. I would literally live on bread and water to afford travel but coffee not important to me at all 😀
something I started years ago was I rarely get a cold drink when I eat out.I choose water and save lots. Usually in restaurants the drink prices are hiked up. Occasionally, I'll treat myself and get a cold drink.
Found this very helpful and inspiring so Thankyou for putting this out there. I’ve been spending more on quality things within reason that add to my life. Rather than lots of cheap things that sparks joy for the moment but ends up as clutter shortly down the road. I call it an investment in myself and my life to get a few items that will last a long time even if it cost a little more. That way I’m not constantly spending money on things that will either keep breaking, add more stress in my life or don’t give me exactly what I need.
Most important thing I learned about acne is, that it comes from the inside. Putting anything on your skin doesn't work and even destroys the microbiome of your skin. I learned that my eating habits, especially sugar cause pimples. Only thing I now use on my skin are natural oils and shea butter.
I have become a lot more resistant to be pressured by other people in terms of spending, so that I can have savings at a level that gives me peace of mind. Sometimes it feels a little like a non-drinker might feel when being questioned and pressured to have an alcoholic drink at a party.
No hauls, no spin membership, no alcohol are really good points-! I really need to cut down online shopping... I can pay for 6-12 months membership with my saving and it’s cheaper so it’s what I chose instead of monthly membership. I am probably going to get a nice coffee machine (probably almost $1,000) after marriage but should set a budget really 😅
There are some items which I don’t spend money on now: - Accessories (esp. for hair) - Unplanned groceries - Stationery items (I’m so in love with cute stationery items even though I don’t use it much. Learning not to buy unless required) - Soft drinks/ bottled goods - Make up (just a mosturiser is needed even for parties) - anything on sale or discounted price (be it food, clothes, footwear) - impulsive purchases (which I usually regret later) - extra pair of eye glasses - key chains, fridge magnets - books (I’d rather read online, if required) If we could just find solution, such as repairing things if possible, we can save a lot of money. Throwing away things and buying them need not be impulsive. Now, I have begun to adopt this notion: If I am going to buy any clothing or footwear, it must not be worn for one occasion only. And if it is, I’d rather not buy. I have everything in limit, money time, so why waste? We need to intentional and should ask certain questions before buying anything :)
On the cosmestic department body wise, I went from dozens of creams and lotions supposed to have this and that effect on your skin and because I love this or that sent to ONE big botte of pharmaceutical almond oil. DOES EVERYTHING!
getting prescription cosmetics for my hormonal acne was spot on for me, too (pun intended). I didn't buy high-end cosmetics before but anyway I used to buy too much of them, often not being satisfied with the results, not using them up and buying new ones. Also, I buy second-hand clothes, shoes even, furniture etc. It's still not easy with my mortgage but definitely easier still
I went to Europe during last semester of college for 6 months. Cane back with $3k on credit card. Got a full time job and a waitressing job at night. I paid the debt off in 4 months. That was 35 years ago when $3k was a big sum.
😂 the sAme drinking change happened with me recently. i was getting into local microbrewery beers and slowly realized how it totally threw me off the next day even when i only had a pint or less (im a lightweight anyways). but i still crave the bubbly drinks so i started buying kombucha again and drinking that way more often as my snack/desert drink instead of beer and sparkling water even
For makeup, I buy a few things and use them until they’re gone before buying something else. I have two senior rescue dogs that I spend whatever I can on food and treats sad vet visits that can be very costly.
My partner and I are like you and your partner. We'll shell out to support local for food/coffee, but try to save on things like weekly groceries since we'd be happy eating the same meal every night. I have family in the Maritimes and so using credit cards well makes a decent annual difference (live in Ontario). One thing that made a big difference was when we moved in together. We're both impulse Uber Eats people (him, mental health related; me because I end up overworking until late). By moving in not only did we cut a bunch of utilities and rent cost, but it helped us to have better habits from the external support and be able to live more in our values (like having supper together instead of alone in front of the TV). The DINK privilege is real when both people have above COL jobs.
This video is very helpful! I agree with you about good coffee being a non negotiable. Folgers is yucky. I buy quality beans at the store and get a weekly cappucino at a local coffee shop. And alcohol makes me feel terrible.😅
Here's how I save money without feeling deprived of anything: 1) I buy food that is on sale because the "best before" date is soon. Instead of deciding beforehand on what I'm cooking for dinner, I browse through what I see on "best before"-sale at the grocery shop and choose dinner with that in mind. Sometimes I buy multiples of the on-sale food items and put them in the freezer for cooking later. It makes absolutely no difference to my quality of life, but I can really feel it in the budget! 2) I buy much much fewer clothes than I used to (and I sell some if I buy some). Instead of for example spending on something like 10 fast fashion pieces a year (like I used to do), I buy one or two expensive pieces of clothing from independent designers, made out of great quality natural fabrics. (And when I thrift, I sell something instead of the things I buy) 3) I get haircuts very very seldom. Sometimes my sister cuts my hair, and I cut her hair - it's a really nice sister activity to do. But - when I do get haircuts at a salon I allow myself to splurge and get a wash and head massage and whatnot at a fancy place. So basically - I spend less money on average, buying less but getting good quality and luxury when I buy something. It also feels more special because I'm not doing this all the time. (I also have cut down on alcohol and travelling and it actually feels great. I feel that if you travel "too much", each trip is more forgettable).
Moving Fees. I've come to realize that I move A LOT. Down payments on homes and leasing apartments, going state to state with all my stuff in a uhaul even shipping my car, that mess adds up. All because I am bipolar and can't seem to stick to one location in a year. I'm back in San Francisco CA and hoping to stick it out for a least 2-years...Not sure I will BUT I will try :)
1) I stopped my Amazon Prime membership. Too easy to hit the "buy now" button. And I can still get free shipping by buying over a certain dollar amount, but that makes me wait and think about my purchases so I'm finding I buy a LOT less. 2) I don't buy books anymore. Can get them from my local library, or even easier, from my local library's app (both audiobooks or ones to read on my iPad). 3) I too love Aritzia! I stopped their texts and emails to reduce temptation.
I had to stop drinking coffee because my body reacted poorly to caffeine. At first I was devastated because I loved coffee. Surprisingly I learned I could live without it. It's amazing the things we can cut when we have to
CeraVe is just the best, and so affordable. I feel that!!! I love that you are just concious in your spending now, I think it's great for long term financial wellness. Great content, thanks for sharing it.
I also spend on coffee - we get a 5-lb bag of fun coffee every two months and it’s worth it for us! I like the idea of travelling but looooathe planning it, so I enjoy sticking to our five-day, six-day jaunts to nearby provinces or areas!
Hi love the tips and advice on the skincare products you now use for your hormonal acne - would love if you could do a video on it or let us know what products work for you as my 18 year old daughter is going through the same agony as you went through 😩
I was debt free for two years because I was old enough to pay off my student loans early, and I had cheap housing with family for a few years after the Great Recession of 2008, but frugality wasn't enough to stay out of debt as a single person in my area, even when working full-time. Edit: I buy name brand potato chips and hand lotion, but generic bread and Advil is okay.
Hey Christina! I’m a new subscriber and have loved your videos so far. I mean this as a genuine question- what kind of things do you like doing for fun? Some of the things that you mention in this video are some of the most common things that people prioritize for enjoyment (like travel, exercise memberships, alcohol/going out)
I love your videos so much! They have helped me so much. Could you make a video on how to budget for a new wardrobe? I recently decluttered and have a very basic wardrobe, but there are things I'm looking to replace slowly. For example, I'm noticing I don't really have a lot of Summer staples and I'm trying to refrain from impulse spending just because I need it now. I want to buy things I need but also don't want to spend money and decide later that I didn't really like it. Thank you!
You might like content by Use Less and A Small Wardrobe. Particularly some of their older stuff is about deciding what to buy and what to keep and how to plan a wardrobe.
I've cut out manicures and pedicures and do my own at home. As well as facials. I make my own gluten free breads and pizza dough because it tastes better than store bought. We now go out to eat only 1x per week and the hubs and I take turns choosing the place. When having friends over we now host a happy hour where everyone brings their own wine and an appetizer to share. It's great fun!. We gave up cable TV and stream now.
Swift speed tights are my fave! I have now acquired 3 pairs over the last 2 years. Lulu can’t be beat for longevity and customer service. Hands down worth every penny!
Wow. How much did you make? No wonder if you were able to pay off your loans. Spending $1k + month on other things - there was money to be saved. Definitely not the experience of most folks. A quick reminder to not feel bad if you’re not able to do any of these things suggested.
Her shopping budget was enough to pay my mortgage every month. I can’t imagine spending 1k a month on clothes. I don’t even spend 1k a year on clothes. And I make a decent income with no debt besides my mortgage.
Hey, Consider microneedling & hydra facials or any facials really for your acne. They are effective. I spent quite a lot on skin care as well but these treatments helped incredibly a lot in reversing my acne and skin texture. and help absorb skin care much better
Hey, it would be really cool if you could do a basic video on not only how to start a budget but also just how to handle money (I'm don't know how to explain it better). In a month I'm moving out of my parents house and I feel overwhelmed with the thought of being responsible for my finances. Right now pretty much everything I buy is a luxury and I don't really have expenses. I don't know when I live on my own how to decide if I spend too much on for example groceries. Because on one hand I want to buy sustainable but on the other hand I know I won't have a lot of money. How do I find the balance/ the roght budget for that? I hope you understand my struggle and maybe have some tips for me.
Cutting back on other things to put 75 each week on a housekeeper to do my deep cleaning! I'm an only parent now and want to spend my time at home playing with my son not scrubbing the toilets.
Good for you! I used to think having a cleaner was only for rich people, but was spending so much of my free time cleaning the house because I’m thorough but not fast. This was when I was still single with one income, so I cut back on some spending and was able to have a cleaner come once a month. It made a huge difference!
Splurges: saving for a car account, annual sale on the only spf that doesn’t break me out, fancy at home coffee and good food, and one kick ass purse a year. Cuts: everything else. Seriously. Can always find my favorite jeans second hand, and only buy to replace in my wardrobe eg winter boots this fall. With covid we stopped restaurants and now we’d rather have a few people over for garden pot lucks.
I definitely am at the point where I’m not buying fantasy self stuff. At least for clothes, but two of my jeans are starting to fall apart at the seam so I guess I gotta go out tomorrow to get them (believe me I can’t go without my brown and black jeans) 😂
I was in 80k of debt at one point. I got out using some of these same strategies. Dave Ramsey was an inspiration. Basically, I think about what I really want and need. It has become a way of life. I recently lost 40 lbs and I did update the wardrobe substantially. I saw the value in that. We seldom go out anymore. I work out at home, I truly prefer it. So I did invest in some home gym stuff, which I actually use. I never used any high-end type products, so I didn't have to give them up. I have been out of debt a long time and I buy slightly nicer things than I used to. Where I see the value. I save substantially for retirement because I have no mortgage, no car or student loans. All this because I took control one day about 20 years ago.I remarried 11 years ago, and I wasn't quite out of debt at the time, so we just didn't go on a honeymoon. I had arrived at the point where I hated to spend money I didn't have. There is a spiritual element to it as well. I see ppl who make 40k getting lunch and coffee out every day and I think about their future. I did get quite a big raise along the way but it still took some 10 years to get fully out of debt. very good video, it will definitely help somebody
I love to spend a good amount on quality wigs that will last me for a while.I learned to reduced makeup buying, will be using them up before making another purchase.
Before you decided to shift to minimalism how did you learn about it and how to follow? Are there any books you read? Or specific channels you followed?
Where do you spend and where do you save?
Save: the kitchen stuff, decorations, books (read in my phone), going out (2 little kids), spend: educational webinars, stiff for kids, bags and shoes for me.
I have 3 dogs and 3 cats. Which means I am responsible for providing vet care, and healthy food for them. I have almost completely stopped spending $$ at fast food restaurants. I used to stop almost daily for a burger because I don’t like cooking for myself. But now I make a burger at home and it saves me $ and tastes better.
I spend more on groceries/water. I spend less on nails, hair, beauty products, eating out, clothes. I like to save to travel and buy experiences for my husband and daughter.
I only spend on food gas I dont spend on anything anymore.....Ive been able to save for my goal....I live alone so all expenses fall on me so I need to be tremendously frugal and im ok with this.
Spend: personal protective equipement (helmets, sunglasses, etc.), hair care, sunscreen, footwear, certain clothing items (pants, shirts, coats and sweaters, socks, belts), bedding, home gym and recreation equipement, coffee, dyi/custom heavy use furniture (i.e. desk, cabinetry, couch), audio equipment, perfume.
Save: bags, skin care, other clothing (jeans, tops, swimsuits, gym wear, shorts, skirts, dresses), low wear furniture and decor (i.e. bedside tables, side tables, accent lamps, plant pots), alcohol and restaurants, electronics, vehicles.
I spend on items that are either for safety/health, for comfort, or will be of use for >10 years.
As someone still navigating financial literacy your money vlogs truly help me figure out how to be more frugal and find what things make me happy so thank you 🙏🏽
🥰🥰
It is so helpful because she is so brutal honest 👏🏽
I love being surrounded by the books that I enjoyed, and enjoy supporting authors and my local bookshop. One way I’ve cut down is by borrowing from the library and then only purchasing books that I truly enjoyed, versus every book I want to read (I read 100+ books every year so it adds up)!
Wow!!
Libraries are awesome! (I thought so even before my mom became a librarian. 🙂) Thank you for supporting your local library! In addition to books, circulating materials can include DVD's, magazines, and access to e-books, and some even have things like sewing machines, chainsaws, and kid's fishing poles you can borrow for free. Community outreach, book clubs, and fun live learning programs are also library staples.
This is huge for me too- I also read 100+ a year usually and use the library for the bulk of them (including a lot of digital and audio books that my library system offers) and then buy the ones I want to re-read or keep.
I adore libraries. And you are not only saving yourself money but helping libraries as their budgets can be determined by footfall and usage. They perform a massive service: helping people access the internet, giving children access to discovering books, even just giving people somewhere warm.
I've cut out frivolous spending on clothes and makeup. Simplified my skincare routine as well, drugstore items are truly effective, and better than high end! Watching this has reminded me to get back to monthly budgeting. Thank you!
Same 😊 I have gotten some beauty products from charity shops too
Can I ask for some good drugstore skincare products? I am getting into it slowly and until now I have a CeraVe cleanser & mosturizing cream
@@ElianaRosalind check out Dr. Dray. She recommends tons of drug store skincare options.
It would be great if you could explain how you transitioned from spending all your time shopping to what you do now since you aren’t shopping. I’m trying to curb my spending as well. Really appreciate your content ;)
Thank you for the idea!
The key for me was to make other interesting activities more accessible, and putting up some barriers between me and the checkout button:
The biggest help for me was removing the Amazon app from my phone, logging out of the desktop site so I have to log in each time, and removing my saved credit card info so I have to enter it each time. There are also browser extensions you can install that give you 30 seconds to change your mind after clicking the checkout button. Some people I know leave things in their virtual cart overnight and re-examine their selections in the morning. If I'm hungry or sad, I pause to get a bowl of cereal or pet the cat before I buy anything.
Another thing I've found that helps is having other flexible and interesting activities always ready: a library book I'm excited to read, a game I'm determined to master, finding one of the dogs to ruffle their ears or take a short walk - even writing a "menu" of activities on a note card that I can pull out and remind myself of fun things I want to do.
Like changing any addictive or habitual behavior, less shopping is easier if you're busy enjoying other things, instead of needing a "fix" to feel normal or functional. Be patient and loving with yourself, if you can. It took time to develop the spending habit, and changing it takes time, too, along with effort and energy.
Oh, and one more idea: plan shopping or check-in days with a supportive friend, where you edit and finalize your carts together, instead of spending willy nilly every day of the week.
@@gamewrit0058 thanks you for this ideas, I need this. ❤
Here;s an idea that comes from James Clear who wrote “Atomic Habits,” which I recommend and can often be checked out at a local library in all book formats. When you’re removing an undesired habit you will need to replace it with a new attractive habit. Your mind likes efficient and familiar things and abhors the absence of routine. It can take a bit of time for the new habit to really click, but it can be done! There’s more to this process so finding his book or searching for habit replacement may be helpful for you.
Finding activities to fill, what would have been, shopping time was key for me. I picked up reading again, and I have read so many books now! It’s honestly been a really fun addition to my life. On the weekends I found organizations to volunteer with, for me that was a local botanical garden. I have a more stable exercise schedule too. Honestly, it opened up a lot of time to explore new and existing hobbies 😊
This year I decided to buy thrifted items for wardrobe items. It’s been enlightening to look for clothes in natural fibers. I really look at quality now. It’s amazing the finds that I’ve scored.
I believe in buying good coffee-organic fair trade-and making it myself. The nearest coffee shop to me is a 20 minute drive. I admire your decision to get debt free. I vowed when we got free of debt (no mortgage, no car note ) that I would never pay interest on purchases again. It’s been several years ,and so far I’ve kept that vow.
Yes!! 🥳
Before the pandemic I was religiously getting my hair done at the salon every 8 weeks. Now I stretch it to 3 months because I noticed my hair growth was slowing down a bit and I could easily get away with visiting the salon once a quarter. Savings=$400.00 per year.
Gel Manicures have been cut back as well to 8 months a year instead of every 3 weeks. (I do my own with just clear polish on the months I’m “resting” my nails from Gel.
Savings=$450.00 per year
I also don’t impulsively shop anymore online or at the mall and plan out my few purchases of the year carefully and intentionally. I now buy only quality vs. quantity and way fewer items.
Don’t buy new books anymore either. Loved this video! Thank you!
Yes!! Coffee is not what makes or brakes your budget !! And you're sooo true about the pleasure of having Coffee outside and the importance of helping local Coffee shops. Thank YOU.
I feel like as of lately, buying things online in general has become an addiction, and my mental health/mindset around that has caused me to feel more internal stress than usual... being more mindful of my compulsive urges seems to be the one thing that's still a work in progress as well as my own attitude towards going out and doing things in-person, whether it's shopping or other activities.
Ithese videos are great because a lot of people are not taught budgeting, finance, credit/debit etc. Thank you! I spend on high quality food (meat from local butchers and veg/fruit from markets/farms). I save on not buying clothes, no alcohol, no smoking, and shop in charity shops.
Debt and spending have never been significant issues for us since we tend to be pretty frugal naturally, but during a couple of job layoff periods when we needed to look for ways to trim our budget, we tried the "extreme budget" coffee route and man was that not worth it! At least for us, it was such a (relatively inexpensive) simple pleasure and didn't impact whether we made rent, so we both agreed to stick with the coffee we liked and find the savings somewhere else. I kind of think that if you make frugality too unpleasant, you're less likely to meet your goals because you just get "over it" and want a treat and then boom, back in spendy mode.
I learned what I really like to wear in terms of skincare and makeup, and now I only buy the items I love. sometimes I fall into temptation, but some videos like this help me get back on track. I used to spend a lot on items I didn't like or weren't good, and after donating a lot of things, I learned that a small box should fit everything I use.
Good food is one thing I enjoy most and vacation. Curbing habits on shopping and makeup is what I’ve been more conscious of. Ive gotten better at buying things that I actually wear based on lifestyle not just because it looks cute or everyone has it. Also learning techniques on to care for clothing so they last longer. Lux items are great but I’d rather used my money on great vacation with family to create memories.
I’m essentially on your same journey:)
Another great video! I cut out wine/beer/spirits because of some health issues and I don't miss at all! I also cut red meat and most cheese from my food shopping and that helped a lot. After 3 years of Ebay clothes shopping, I am now actually buying clothes in stores: just bought some pretty high end dresses and shoes that are giving me great joy. Have a wonderful summer and thanks for excellent tips!
I have been watching your channel for so long, like since the start of your minimalist journey and I just want to say that your content has helped my shape my content. Now I am facing my own balances of money, wants, and needs and I just want to thank you for sharing what you have learned. It may sound super basic, but I'm sure there are others like me who are hearing these things for the first time.
Loved this video! I've cut buying starbucks, because I really do prefer making it myself but was being lazy, and have added that money into my grocery budget instead. Way more worth it.
you are inspiring to all of us who are in recovery..I have a test I do now and then to keep myself in check. i used to buy,buy,buy and rationalize by saying "i can always return it"...giving myself another opportunity to go into the stores and buy,buy,buy. I tested myself once...i had 5 different pieces of clothing to return at 5 different stores that i love. I went into each store, walked right to the service desk, returned my item (not for store credit) and walked out of each one without even looking, never mind buying.
I paid off my debt and I am debt free presently. But, I still budget for impulse buys because I cannot act like at any moment one can go back into debt if not careful. These videos are so helpful to me! Thank you!
me too! so glad they help and CONGRATS!!!
Great video. I cut out a yoga membership, alcohol, and high end skincare. I don’t drink coffee. Following a budget and tracking my spending is helpful. I’m debit free. Your tips are spot on.
i realized i had a shopping problem back in January. i'd just gotten my OSAP deposit and Aerie had a new drop at the same time, i felt my body literally get excited to shop the launch and spend money. like, i got goosebumps and my heart started racing. i didn't buy anything, yet i still wound up blowing all $1800 of my OSAP cheque. I officially decided at the end of last month that that was over. grad school is my dream, so i'm putting any extra money into my TFSA to make sure i can't access it until i need to.
This is so relatable! I paid off my student loans at the beginning of this yr and it's the best feeling! I used to shop a lot especially on clothes and I find myself heading straight to the stores when there are sales even though there isn't anything I particularly need. I love Aritzia too, but yes, the $ does add up. Used to buy a lot of cosmetics, but cut down on that 90% because I don't need different eyeshadows, lipsticks, or blushes all the time. I practiced minimalism, but I learned to treat myself once in a while. I think the pandemic and lock down really helped me reflect on what I really need vs want. I increased my income when the pandemic began in 2020 because I opened my own practice on the side. I cut out buying clothes because I really don't need them when I'm working from home majority of the time. I haven't been traveling even though I would like to. With me getting closer to paying off my debt, I find myself being more disciplined and focus. Even after paying off debt, I find myself rarely buying clothes because I have a lot of clothes already. If I come across any pieces that I like, I will think about how often I'll be wearing it. I still eat out to try different interesting cuisine or food, but now I'm trying to buy a home, so that's another goal I'm focusing on that helps me spend wisely. If the time comes when it's safer to travel and I reach my next goal, I would like to travel overseas again. Thanks for sharing!
omg congratulations!!!!!!!!!!!!!
@@Christinamychas thank you! i watched yt videos (including yours) on people's journey to pay off their student loans so you and may others have also inspired me along the way! :)
I personally live for travel, and would probably have a semi-nomadic lifestyle if I could find a way to still do my job. Pre-pandemic, I would travel abroad at least 2 or 3 times a year, plus multiple trips domestically to go hiking. I can live without the fancy gym membership and the trips to the coffeeshop, but I will spend the money on travel EVERY TIME.
Love that for you! 🥰🥰
I agree! I am a total homebody BUT I love to travel...esp out of the country. But either you have the travel bug or you don't and if you don't, people shouldn't judge you. Love your channel!🥰 Well, one good thing about the pandemic was that we all took second look at our finances and it seemed for the better.🤗🤗
I now save by swapping high end make up and skincare for drugstore products (they are fantastic and don't see the difference). Instead of expensive clothing, I shop for high street brands that have excellent dupes for the looks that I like. For supermarket shopping, I've switched to grocery store brands and I buy in bulk. For holidays, I used to travel overseas yearly and now I've joined a hiking club and have weekends away that are amazing and cost very little. On the way to home ownership feels so much better than spending on consumer items!
I dye my hair at home. Also I cut my husband's hair myself (started doing it during the pandemics where salons were closed and it turned out I have quite a hairdresser talent). So much money saved!
Love this video and your perspectives. It’s been a long time since I’ve had debt but spent a good chunk of money on everything from name brand clothes to expensive dinners until I started planning for retirement. I’ve given up many things like you and feel great about it. Best thing is that I feel much better about my future retirement.
All good cut from budget, totally agreed with the skin care routine. However, I will never compromise on traveling. It's extremely important to go out there and see the world. There's way to travel within budget. It does not need to be a luxury trip like you see on social media. Sometimes you spend even less in the destinations than what you would spend in your country. Go out and see more!!
I agree. We live in a very expensive area. Practically anywhere we go is cheaper than here. Also, I feel like the experiences we have, traveling together and with friends, are priceless. I’m pretty low maintenance in other areas of life.
It's good you found the thing that is most valuable to you. But traveling isn't important to everyone. I love staying in the area around me, and see what is around here.
@@2010seajay Yes!! Good for you! That are memories that you will bring with you for the rest of your life. Material things are just things, we don't need them! Be able to see how others live and their cultures & foods with myself, my friends and family are what is extremely valuable to me. It enriches my knowledge and experience.
@@raquel5401 I do that too. I am very involved with my community and all the activities. I play tourist in my city often. However, I do think it's important to get out of my city bubble. I'm surprised of how many valuable experiences and ideas it brings me every time I travel. I learn a lot.
I quit the gym membership, I drink cold brew at home, I gave up drinking, I intermittent fast, buy drugstore skincare, and created a capsule wardrobe. I might get a basic pedicure 6 times a year and get my hair highlighted and cut 4 times a year.
Literally me❤️
I can’t stop watching your videos!! Your channel is pretty much all I watch on UA-cam my recommendations are filled with your videos. I put it on in the car listen to it in my free time and it really helps in this time in my life I’m trying to become a mindful consumer thank you for all of your lovely calming words and put together videos!! You’re inspiring
Even making good quality coffee at home is less expensive than buying out. I do agree though that everyone should decide which cuts are worth it to them vs which they truly love.
I defintely spend more on coffee now than I used to. Being depressed means that I want the thing that causes joy more than I want to save a bit of money. I used to feel guilty about spending on coffee several times a week, but I just found that my days start off better the days I have a local brew in my hand. I'll take my sugary coffee please!
I have started only purchasing my skincare and makeup during sales; it’s rare that I pay full price anymore. It’s taken some time to get my use cycles lined up with the sales, but most companies have their sales around the same dates-ish every year so I can plan ahead. This year I skipped the Fourth of July sales because I didn’t need anything, but will pick up quite a few items at the end of year holiday sales.
❤thanks for being real. I'm a "but it's on sale" gal and find myself purchasing clothing that's not getting worn. also I love a good cup of coffee too! great video!
Although I love love LOVE books, I've been trying to reduce the actual books I buy. It makes me sad because I love owning books [as my home library will attest] and I love supporting authors. I try to reconcile this by using my local library system and requesting books by certain authors.
Also, I am usually saddened by the tea made in the US when I go to restaurants and coffee shops, so I usually make my own tea at home. I imagine, if I lived in another part of the world, getting tea out would be a problem with my spending. I love coffee but it tends to give me migraines, so I have it only very rarely. This is a huge money saver in the Pacific Northwest.
Book addict too ! Never had the desire to be the first to buy the hardcover best sellers so wait til in paperback or online used sales ; also , share books w/ friends & do a " cleanse " now 'n then to donate books . Enjoy " the golden age of mystery " genre which often cost less as they've been in reprint many times over & many " new " ( to me , at least ) authors to try . Favorite gifts to give & get ? Books ! A book & a cup of tea ... perfect !
I love books. I get most of mine from Half Price Books.
I love Half Price Books!!
I'm in a long distance relationship right now and I have been travelling to visit my bf every other month, but finally I'm going to be moving to his city (got approved to work fully remote!!). That will save me money on plane tickets and mean that I don't feel a bunch of pressure to fit in tons of fun aka expensive things every time I'm with him.
Congratulations!
Your skin is beautiful. My skin care must be oil free and fragrance free. I was using department store products until I had to cut my spending too. I started using CeraVe six years ago and haven't changed. Congratulations on your minimizing journey!
Thanks for mentioning high-end skin care! I'm such a sucker for skin care marketing. But now I notice how they always use gorgeous, young models with perfect skin to advertise skin care that will "transform" your skin. Except ... that stuff so rarely does anything noticeable to my skin. Maybe there's a $100 cream out there that would improve my melasma/oily skin/large pores (prescription spot treatment from the dermatologist didn't work at all), but I'll remain mostly blissfully ignorant and use a good, simple cleanser, sunscreen, and oil-free moisturizer.
I recently learned that I am allergic to gluten so severely that if an animal has been fed grain before being butchered I will react to it. So food is the #1 thing I splurge money on, organic, grass fed meat and fresh whole vegetables. There's no allergy reason for the vegetables, I just found they taste better and I feel better when I eat them.
Wow that’s quite sensitive! I agree def worth the buy!
I also spend good money on coffee. I will never buy cheap coffee. Coffee is too important to me and is one of the things I enjoy most in life. A big way I saved money was to cut cable, which was like $120/month. I only watched like 3 channels. Saving that money freed up money to travel more, which is more important to me. I also never watch TV so I spend more time reading and (pre-pandemic) actually leaving the house to do something instead of just sitting at home watching HGTV.
YES!
Now I'm really curious which skincare products you now use! I've personally cut spending on clothes years ago because it wasn't serving me and I didn't want to keep things in my closet that I didn't love/wear. My biggest saves are probably cut/color and sticking to beauty items that work. I do spend on travel or experiences because I am a travel bug and enjoy doing fun things with my kids and family.
I stopped using makeup and skin care almost completely and my skin is soooo pretty now, you have no idea
i work for a small local speciality coffee roastery, i very much approve your support of that idea 😁 even before i worked here i used to buy their coffee all the time and brew it up at home. but yeah, who doesnt love a tasty take-out coffee drink once in a while, yum!
I recently cut out the gym. It was hard, it was something I thought I needed. But I’ve found that walking a few miles a day is so much more effective and therapeutic!
We also cut out alcohol, same it didn't make us feel very good. Don't miss it at all. We don't eat out, cook everything at home and make weekly menus for grocery shopping. We are retired and did our travelling while we both worked so now we just enjoy things close to home or visiting the grandkids. But we still can't give up our cable yet.....
It's all about tracking your personal spending and working out what's important to you. I would literally live on bread and water to afford travel but coffee not important to me at all 😀
Exactly! You said it!!
something I started years ago was I rarely get a cold drink when I eat out.I choose water and save lots. Usually in restaurants the drink prices are hiked up. Occasionally, I'll treat myself and get a cold drink.
Found this very helpful and inspiring so Thankyou for putting this out there.
I’ve been spending more on quality things within reason that add to my life. Rather than lots of cheap things that sparks joy for the moment but ends up as clutter shortly down the road.
I call it an investment in myself and my life to get a few items that will last a long time even if it cost a little more.
That way I’m not constantly spending money on things that will either keep breaking, add more stress in my life or don’t give me exactly what I need.
Most important thing I learned about acne is, that it comes from the inside. Putting anything on your skin doesn't work and even destroys the microbiome of your skin. I learned that my eating habits, especially sugar cause pimples. Only thing I now use on my skin are natural oils and shea butter.
I have become a lot more resistant to be pressured by other people in terms of spending, so that I can have savings at a level that gives me peace of mind. Sometimes it feels a little like a non-drinker might feel when being questioned and pressured to have an alcoholic drink at a party.
💯
No hauls, no spin membership, no alcohol are really good points-! I really need to cut down online shopping... I can pay for 6-12 months membership with my saving and it’s cheaper so it’s what I chose instead of monthly membership.
I am probably going to get a nice coffee machine (probably almost $1,000) after marriage but should set a budget really 😅
There are some items which I don’t spend money on now:
- Accessories (esp. for hair)
- Unplanned groceries
- Stationery items (I’m so in love with cute stationery items even though I don’t use it much. Learning not to buy unless required)
- Soft drinks/ bottled goods
- Make up (just a mosturiser is needed even for parties)
- anything on sale or discounted price (be it food, clothes, footwear)
- impulsive purchases (which I usually regret later)
- extra pair of eye glasses
- key chains, fridge magnets
- books (I’d rather read online, if required)
If we could just find solution, such as repairing things if possible, we can save a lot of money. Throwing away things and buying them need not be impulsive. Now, I have begun to adopt this notion: If I am going to buy any clothing or footwear, it must not be worn for one occasion only. And if it is, I’d rather not buy. I have everything in limit, money time, so why waste? We need to intentional and should ask certain questions before buying anything :)
On the cosmestic department body wise, I went from dozens of creams and lotions supposed to have this and that effect on your skin and because I love this or that sent to ONE big botte of pharmaceutical almond oil. DOES EVERYTHING!
getting prescription cosmetics for my hormonal acne was spot on for me, too (pun intended). I didn't buy high-end cosmetics before but anyway I used to buy too much of them, often not being satisfied with the results, not using them up and buying new ones. Also, I buy second-hand clothes, shoes even, furniture etc. It's still not easy with my mortgage but definitely easier still
I went to Europe during last semester of college for 6 months. Cane back with $3k on credit card. Got a full time job and a waitressing job at night. I paid the debt off in 4 months. That was 35 years ago when $3k was a big sum.
😂 the sAme drinking change happened with me recently. i was getting into local microbrewery beers and slowly realized how it totally threw me off the next day even when i only had a pint or less (im a lightweight anyways). but i still crave the bubbly drinks so i started buying kombucha again and drinking that way more often as my snack/desert drink instead of beer and sparkling water even
For makeup, I buy a few things and use them until they’re gone before buying something else. I have two senior rescue dogs that I spend whatever I can on food and treats sad vet visits that can be very costly.
My partner and I are like you and your partner. We'll shell out to support local for food/coffee, but try to save on things like weekly groceries since we'd be happy eating the same meal every night. I have family in the Maritimes and so using credit cards well makes a decent annual difference (live in Ontario).
One thing that made a big difference was when we moved in together. We're both impulse Uber Eats people (him, mental health related; me because I end up overworking until late). By moving in not only did we cut a bunch of utilities and rent cost, but it helped us to have better habits from the external support and be able to live more in our values (like having supper together instead of alone in front of the TV). The DINK privilege is real when both people have above COL jobs.
I feel you on the alcohol. My body’s tolerance is so low, I hardly ever spend money on it.
Make-up (I simply won't use so many palettes), collectibles of all sorts, and accessories. Realizing I don't none of these helped me so much.
This video is very helpful! I agree with you about good coffee being a non negotiable. Folgers is yucky. I buy quality beans at the store and get a weekly cappucino at a local coffee shop. And alcohol makes me feel terrible.😅
Alcohol! I stopped during pandemic and I am not going back again. My weekends are not hungover and I feel so much better.
Here's how I save money without feeling deprived of anything: 1) I buy food that is on sale because the "best before" date is soon. Instead of deciding beforehand on what I'm cooking for dinner, I browse through what I see on "best before"-sale at the grocery shop and choose dinner with that in mind. Sometimes I buy multiples of the on-sale food items and put them in the freezer for cooking later. It makes absolutely no difference to my quality of life, but I can really feel it in the budget! 2) I buy much much fewer clothes than I used to (and I sell some if I buy some). Instead of for example spending on something like 10 fast fashion pieces a year (like I used to do), I buy one or two expensive pieces of clothing from independent designers, made out of great quality natural fabrics. (And when I thrift, I sell something instead of the things I buy) 3) I get haircuts very very seldom. Sometimes my sister cuts my hair, and I cut her hair - it's a really nice sister activity to do. But - when I do get haircuts at a salon I allow myself to splurge and get a wash and head massage and whatnot at a fancy place. So basically - I spend less money on average, buying less but getting good quality and luxury when I buy something. It also feels more special because I'm not doing this all the time. (I also have cut down on alcohol and travelling and it actually feels great. I feel that if you travel "too much", each trip is more forgettable).
Moving Fees. I've come to realize that I move A LOT. Down payments on homes and leasing apartments, going state to state with all my stuff in a uhaul even shipping my car, that mess adds up. All because I am bipolar and can't seem to stick to one location in a year. I'm back in San Francisco CA and hoping to stick it out for a least 2-years...Not sure I will BUT I will try :)
1) I stopped my Amazon Prime membership. Too easy to hit the "buy now" button. And I can still get free shipping by buying over a certain dollar amount, but that makes me wait and think about my purchases so I'm finding I buy a LOT less. 2) I don't buy books anymore. Can get them from my local library, or even easier, from my local library's app (both audiobooks or ones to read on my iPad). 3) I too love Aritzia! I stopped their texts and emails to reduce temptation.
I had to stop drinking coffee because my body reacted poorly to caffeine. At first I was devastated because I loved coffee. Surprisingly I learned I could live without it. It's amazing the things we can cut when we have to
CeraVe is just the best, and so affordable. I feel that!!! I love that you are just concious in your spending now, I think it's great for long term financial wellness. Great content, thanks for sharing it.
I stopped buying paper towels. I purchased plain white bar towels and use and wash those instead.
I also spend on coffee - we get a 5-lb bag of fun coffee every two months and it’s worth it for us! I like the idea of travelling but looooathe planning it, so I enjoy sticking to our five-day, six-day jaunts to nearby provinces or areas!
Hi love the tips and advice on the skincare products you now use for your hormonal acne - would love if you could do a video on it or let us know what products work for you as my 18 year old daughter is going through the same agony as you went through 😩
I was debt free for two years because I was old enough to pay off my student loans early, and I had cheap housing with family for a few years after the Great Recession of 2008, but frugality wasn't enough to stay out of debt as a single person in my area, even when working full-time.
Edit: I buy name brand potato chips and hand lotion, but generic bread and Advil is okay.
1:30 "The truth is most of us don't make enough money to do it all."👍 Yes! Wages have been stagnant for years, but prices have gone up.
The skin care section is soooo true! Good for you!
Hey Christina! I’m a new subscriber and have loved your videos so far. I mean this as a genuine question- what kind of things do you like doing for fun? Some of the things that you mention in this video are some of the most common things that people prioritize for enjoyment (like travel, exercise memberships, alcohol/going out)
I cut alcohol completely two months ago, I have saved hundreds of dollars since then!
I love your videos so much! They have helped me so much. Could you make a video on how to budget for a new wardrobe? I recently decluttered and have a very basic wardrobe, but there are things I'm looking to replace slowly. For example, I'm noticing I don't really have a lot of Summer staples and I'm trying to refrain from impulse spending just because I need it now. I want to buy things I need but also don't want to spend money and decide later that I didn't really like it. Thank you!
Yes!!
You might like content by Use Less and A Small Wardrobe. Particularly some of their older stuff is about deciding what to buy and what to keep and how to plan a wardrobe.
@@thenopedetective Thank you, I’ll check them out!
I've cut out manicures and pedicures and do my own at home. As well as facials. I make my own gluten free breads and pizza dough because it tastes better than store bought. We now go out to eat only 1x per week and the hubs and I take turns choosing the place. When having friends over we now host a happy hour where everyone brings their own wine and an appetizer to share. It's great fun!. We gave up cable TV and stream now.
Woohoo! You’re almost at 100K! Getting ready to congratulate you!
Do you have a video about your skincare routine and what products you use?
I have a Lululemon addiction. I love checking out their new drops every Tuesday.
Love their aligns!
Swift speed tights are my fave! I have now acquired 3 pairs over the last 2 years. Lulu can’t be beat for longevity and customer service. Hands down worth every penny!
@@tholm4307 I love my aligns, I think I'm addicted 😂
I just found your channel and you such a warm personality! Loved the video! What is your skincare regime? I have the hormonal acne as well.
Wow. How much did you make? No wonder if you were able to pay off your loans. Spending $1k + month on other things - there was money to be saved. Definitely not the experience of most folks. A quick reminder to not feel bad if you’re not able to do any of these things suggested.
very true
She is a pharmacist
Her shopping budget was enough to pay my mortgage every month. I can’t imagine spending 1k a month on clothes. I don’t even spend 1k a year on clothes. And I make a decent income with no debt besides my mortgage.
I stopped at the first tip when she said $125 subscription.
I also notice a lot of these minimalist/frugal folks don't have kids. Changes things drastically!
These are great tips!
I cut getting my mani/pedi’s done, I got my own shellac light and do it myself at home saves so much money and time :)
Hey,
Consider microneedling & hydra facials or any facials really for your acne. They are effective. I spent quite a lot on skin care as well but these treatments helped incredibly a lot in reversing my acne and skin texture. and help absorb skin care much better
Hey, it would be really cool if you could do a basic video on not only how to start a budget but also just how to handle money (I'm don't know how to explain it better). In a month I'm moving out of my parents house and I feel overwhelmed with the thought of being responsible for my finances. Right now pretty much everything I buy is a luxury and I don't really have expenses. I don't know when I live on my own how to decide if I spend too much on for example groceries. Because on one hand I want to buy sustainable but on the other hand I know I won't have a lot of money. How do I find the balance/ the roght budget for that? I hope you understand my struggle and maybe have some tips for me.
I’d highly recommend the book I Will Teach You To Be Rich and the Total Money Makeover to help with that in the meantime!
Congratulations on hitting 100K!! Can you please tell me what app you use for budgeting? It's time...
Love this! Thanks for sharing.
I love this balanced approach to finance. 💛😊
Spend: travel/vacation, eating out with family and/or friends, home organization, medical spa treatments
Save: Skin and Body care, Makeup, clothes
Well said, Christina. Very concise & well explained.
Hi Christina!
Thank you for the budgeting update. 💙 💛 🤗
Cutting back on other things to put 75 each week on a housekeeper to do my deep cleaning!
I'm an only parent now and want to spend my time at home playing with my son not scrubbing the toilets.
Good for you! I used to think having a cleaner was only for rich people, but was spending so much of my free time cleaning the house because I’m thorough but not fast. This was when I was still single with one income, so I cut back on some spending and was able to have a cleaner come once a month. It made a huge difference!
Splurges: saving for a car account, annual sale on the only spf that doesn’t break me out, fancy at home coffee and good food, and one kick ass purse a year. Cuts: everything else. Seriously. Can always find my favorite jeans second hand, and only buy to replace in my wardrobe eg winter boots this fall. With covid we stopped restaurants and now we’d rather have a few people over for garden pot lucks.
Fabulous video, as always! Thanks for all of your great tips-you never cease to inspire me. 😊
I definitely am at the point where I’m not buying fantasy self stuff. At least for clothes, but two of my jeans are starting to fall apart at the seam so I guess I gotta go out tomorrow to get them (believe me I can’t go without my brown and black jeans) 😂
I was in 80k of debt at one point. I got out using some of these same strategies. Dave Ramsey was an inspiration. Basically, I think about what I really want and need. It has become a way of life. I recently lost 40 lbs and I did update the wardrobe substantially. I saw the value in that. We seldom go out anymore. I work out at home, I truly prefer it. So I did invest in some home gym stuff, which I actually use. I never used any high-end type products, so I didn't have to give them up. I have been out of debt a long time and I buy slightly nicer things than I used to. Where I see the value. I save substantially for retirement because I have no mortgage, no car or student loans. All this because I took control one day about 20 years ago.I remarried 11 years ago, and I wasn't quite out of debt at the time, so we just didn't go on a honeymoon. I had arrived at the point where I hated to spend money I didn't have. There is a spiritual element to it as well. I see ppl who make 40k getting lunch and coffee out every day and I think about their future. I did get quite a big raise along the way but it still took some 10 years to get fully out of debt. very good video, it will definitely help somebody
Where did you get your gold velvet pillow covers?? They are gorgeous!
I love to spend a good amount on quality wigs that will last me for a while.I learned to reduced makeup buying, will be using them up before making another purchase.
So happy I found your channel!! 🥰
Before you decided to shift to minimalism how did you learn about it and how to follow? Are there any books you read? Or specific channels you followed?
Love this video. Thank you. You also touched on your hormonal acne. Have you ever thought of doing a video about it?
I can make one!