Purchasing a stock may seem straightforward, but selecting the correct stock without a proven strategy can be exceedingly challenging. I've been working on expanding my $210K portfolio for a while, and my primary obstacle is the lack of clear entry and exit strategies. Any advice on this matter would be greatly appreciated.
The strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
I agree. Based on personal experience working with an investment advisor, I currently have $1m in a well-diversified portfolio that has experienced exponential growth. It's not only about having money to invest in stocks, but you also need to be knowledgeable, persistent, and have strong hands to back it up.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?.
I work with Rebecca Noblett Roberts who is a licensed fiduciary. Just look up the name. All the information you need to work with a letter to set up an appointment is included.
I agree with everything on this list except Books. Ive spent a fortune on my books, but they look great on my shelf and i view them as art and decoration for my home. They make me happy and honestly keep me motivated and inspired in life. I don’t get that from audible or a kindle.
I agree. I still buy books. There's Nothing more relaxing than disconnecting from all technology, sitting on the sofa reading a book, flipping its pages and enjoying a glass of your favorite beverage.
I cut Starbucks and brand names in clothing and accessories a long time ago. When my son was 12 he refused to wear any name brand clothing. He said, “ Mom they do not pay me to advertise their brand.” The wisdom in that one sentence totally changed the way I shopped for everything!
I travel around my city a lot as part of my job, so I make sure to bring my lunch every single day. My coworkers, though, eat out every day for lunch. It baffles me how they can spend so much money a week on just fast food.
OMG, I think I just met the lawyer version of me. LOL! (I'm a therapist.) Every single thing you said in this video, I've been doing, too. No brand names, no souvenirs, no salons, no Starbucks, no new cars, no unnecessary subscriptions, and I pack my own lunches to work. And I make 6 figures. I still maintain the starving student mentality, and refuse to fall victim to the lifestyle inflation trap. Thank you for your video. Glad to know I'm not alone.
@@Erika2 Especially now that you can stream almost everything online and if you have a computer connected to a TV a simple google search for whatever you want to watch is not far away.
I love the white blouse uniform idea 💡😍 I am totally adopting this for my lifestyle. I already do all of these tips you shared. Great video. Thank you Erika 😊
Nice content! The best way to find that balance between saving and living is by investing, This way you get to have your saving intact and then live comfortably off the revenue coming in from your investments.
wow! this is a jewel. the best comment i've ever come across on YT. Why didn't i ever think about this. Thanks for this, I'd also really appreciate if you give me some tips/guidelines that would guide me on the right path to take while investing
This seems more like putting your savings in an investment company rather then the bank, hmm really ideal i think because you'd earn a better revenue than the annual interest value you could get while saving in the bank. WOW! this is really an eye opener, could you recommend an IA please? I would really appreciate that.
Few years before i got to decipher the market myself i worked with an IA, VIVIAN KLAINE MORGAN. She traded my $90k portfolio into $220k and i learnt a lot of things i know today from her.
I agree with all of these except the Christmas one. That’s taking the idea of minimalism to the point of just being cheap. Nobody should spend $900 a year on gifts. That blatant commercialism is very bad. But a simple low cost gift or even something that you made with your own hands isn’t that hard.
Due to health issues, I have been forced to stop eating outside. Its amazing how quickly those cheap meals ad up in cost. Beyond the fact that these meals are horrible on your health, it will also corrode your financial health. If you have loans, putting that $10 per meal into the principle on any loans you might have will pay you back exponentially. Oddly enough, since I've been sick, I have never been healthier.
@@Erika2 Things are getting back on track. We can only worry about what's in our control. This has been an eventful 12 months to say the least, but no permanent change so far as I can tell, short of a few new scars. We'll all be stronger for it. Erika, have you had any interest for sponsorship yet? I would not be surprised to see your views on that one video pass 200k by the end the of the week. Like I said, you will want to look at views in the logarithmic scale to see when the interest will peak. Certainly, you will have interest soon. Keep on top of the new hot financial topics, its really working for you.
Very valuable suggestions and ten of those things I’ve don instinctively for many years (don’t ask🎅🏻). Two things I’ve done differently. No birthday or Christmas gifts for anyone in high school or older. instead a cookout or trip to a state park. Cars, I buy multiuse vehicles (4x4 crew can trucks) and I buy new with the highest trim level I can easily afford and keep up the maintenance. I bought a ford in 1997 and traded it for a new Toyota in 2013. At my age I will likely be the last truck. When I was younger I went through a series of used vehicles that never lasted more than two or three years. When you buy used there’s a risk your buying someone else’s problems. The key is buy what you’re happy with and works for your situation maintain it and drive it till it dies. Ps. I’m passing this vid to my family...they may listen to you.
@AnnieONeill maybe you could try creating your own movie theater at your house and find a cheap way to watch the movie. That way you could still enjoy it but save money at the same time
@@stayyy2548 While I truly appreciate the suggestion, and I do already have a super comfy sofa and a great 75" TV, I feel that the theater experience cannot be duplicated. It's not a huge expense for us. We bring our own candy, we're not pop drinkers, and the fresh popcorn is shared. My son's first film was Dune. He was ENTHRALLED! It was very special for him and for me.
I don't get my nails done or eyelash extensions either! I like the Christmas idea, I don't really like receiving gifts anymore (unless I can eat it) so showing appreciation for friendship etc. works better for me!
I agree! If you can find quality, brand name items used go for it! I honestly don't care about brands, but if I find a quality price if clothing that could last a lifetime at a great price I'll buy it.
I don’t particularly try to keep up with trends but I also don’t think there’s anything wrong with buying the clothes and dressing the way that you enjoy and feel pretty in.
@Mani Lee To me, clothing can be an art form. When you buy something you like and just like it because it's unique and pretty. Price tags are an indicator of a deal breaker for me. Yes, I want to support the people who design certain clothings I take a liking to, but I can't afford to break my bank in the process either. 🤷♀️ BTW, I love your hair color. 💛
I thrift store shop and save so much money and have cute outfits for $3-$5 each.... Like I'm going shopping for sundresses today... My budget is $10 for the whole excursion
If creating a monthly clothing budget increases your quality of life and brings you joy, then go for it. The whole point is cutting out the things that are meaningless in your personal life.
For brand names, depends on the brand. For example sunglasses. Tried loads and loads of pairs and no matter how well I took care of them they broke (one pair from a mall kiosk literally shattered on my face while I was driving in AZ). Finally found an Oakley outlet store. Bought a pair for me and my wife. Years later still great glasses that have not even come close to being damaged in the time no matter what I do with them. Hiking, yard work, long drives these still are in great shape and I don't take better care of them than I did with all the various ~40$ glasses I tried.
I HAVE INCURRED SO MUCH LOSSES TRADING ON MY OWN... TRADE WELL ON DEMO BUTI THINK THE REAL MARKET IS MANIPULATED... CAN ANYONE HELP ME OUT OR AT LEAST TELL ME WHAT I'M DOING WRONG ?
@@mariasofia6211 You don't need to be shock because I'm also a huge beneficiary of expert Alexander Robert and she really help me when I was trading losses on my own
You're awesome, girl :) I never learned about money or finances because I grew up really poor and wasn't given any money by my mother. I've been working in law firms for 30 years--not as an attorney :) My finances have been the biggest stressor my entire life and I am so way behind in having anything for my later years. We should have been taught this in school! I think your channel would be awesome for teaching young women especially :)
Great tips! I’m actually the opposite I was saving so much that I didn’t have fun because I’d worry about the cost. Now I splurge a bit (not excessively) on getting more regular haircuts, going go karting, eating out with friends. I don’t care for brand names etc but my qualify of life increased after spending a bit on fun!
I've done most of these things out of need, but I can't tell you how AMAZING it is to know that someone such as yourself is doing the same! Makes me feel like I'm on the right track to a secure financial future, and I don't feel less than for not having or wanting these things. Thank you Erika! 🤗
Protecting your capital is much more important than making money. Basically because if you lose your capital, making money is much harder. ''Missing the train'' vs. ''losing your money''. There are a lot of trains, but if your money is gone, it's over.
I typically wear my employer's hat in public. People will ask why i do that if I'm not working. My response is always the same: my employer pays me to wear the hat, Nike/Gucci/fill in the blank brand brand doesn't.
I just stumbled onto your channel after leaving a job that I was well compensated for, but was hating more and more every day. Thank you for sharing this content! I too have cut a lot of these items from my budget, especially buying new cars. Your confidence and enthusiasm is contagious! Keep the content coming.
I love the white blouse uniform idea 💡😍 I am totally adopting this for my lifestyle. I already do all of these tips you shared. Great video. Thank you Erika 😊
Alot of great things on Netflix that you can not get on UA-cam. UA-cam I use for information, smartly of cause...but everything on Netflix is not on UA-cam.
You have to learn how to enjoy your life. The key is to live below your means. You can cut things out and live as a miser - that's one extreme or you can try to keep up with the Jone's. The real key is finding a happy balance!!
I tried cutting out Starbucks. I missed the ambiance and stars rewards. I used to just spend like crazy there up to $60 a month. Now I budget $25 monthly and buy the short for hot drinks and tall for cold drinks. I am addicted to the ambiance!!!
I paid off my student loan from medical school in one year. I paid off my mortgage in one year. I accomplished these goals largely for following the same advice she's giving.
Cheapskate has a negative connotation. The rest don't. I suppose even that connotation depends on who are your friends. Best thing for a lot of people is to find a new group of friends who have a similar mindset and don't need to validate their existence with expensive things or activities.
My husband and I never had much money, but we still retired in our 50's. Don't buy stuff you don't need. We raised our kids to be careful with money, too. You can get lots of stuff free or second hand. Better for the earth, too. Tina
For cars I would suggest “total cost of ownership” over the time expected to own it is a much more significant factor than initial price and whether it is new or used. Particularly for petrol burning cars wear and tear on mechanical components can mean being closer to expensive repairs. That said, definitely don’t buy “more car” than your use case requires.
I agree with all these things. I read an Ayn Rand book many years ago. And it challenged me to to question if I am doing things just to impress others. When you buy things just because they are useful to you, you buy less, and you buy cheaper. I am now a multi-millionaire. Put your money in the stock market and let it sit. You can retire early. You can pay off every loan. And you have less stuff to manage. Remember stuff needs to be managed. So buy less stuff to worry about. Oh, and restaurants are a big money stuck too. I limited restaurants, especially for dinner down to twice a month. And that saved me a ton. Even now when I can afford anything. I don't like to take care of stuff. Now that I am wealthy, I have not started to buy stuff just because I can. Simplicity is a happy way of life.
Frugality is gift not many people have it. U can cut cloth according to their size in this world of self indulgence materialism is good and u start in you will carry u long. Good 4 u.
You, are amazing!! Your videos are helpful, and your personality makes watching them 100x better. ❤️ Edit: In the US, AMC does $5 movies on Tuesday!! 👍
I cut the cord on regular TV many years ago in favor of watching UA-cam channels on my PC. It saves money, and I enjoy the creativity and interaction on UA-cam much better. I also went from landline phone to VOIP, then to just cell phone to simplify and save money. I still love books of the hard copy kind, so I prefer to keep them. Thank you for a great channel!
One of the smartest things I ever did pertaining to money is finding a wife who shares my ideas and attitudes about spending. And now that we are truly financially independent we can treat ourselves to a new car when we need one (Japanese, not German, we’re smart with our money!). You remind me of my wife when we were young Erika, which I mean as a tremendous compliment. Best of luck with your channel, such great advise and happy to see you sharing it.
The biggest problem with the shot glasses...they are empty :) Reviewing credit card statements can be a huge savings. Love that you and your family donate your time to an orphanage. Thanks for continuing to produce quality content Erika.
I love minimalism. It’s better to use our mental energy on worthy pursuits. The more we buy the more we desire to get better and expensive stuff to “keep up” or show off. You earned a sub ❤️
Let's not forget that manufacturers raise the price on goods before they put them "on sale" so you're not always getting the best price and many times will be paying MSRP.
I was buying a Latte” of Starbucks when I was still working-$60-$80 weekly. I’ve tried to realize it is more of a habit- I buy a large bottle of cold coffee in the grocery store and get 4-5 drinks for the price of one and no tips.
I've been doing all 12 of these for YEARS!! These are all very smart strategies for saving money and wealth building! I LOVE your channel. You're a wise young lady! Thank you for having priorities and principles! You'll always WIN in the long run!
Oh god. My wife struggles with temptations from name brands, sales, Starbucks, cable TV (on top of Netflix/Hulu), nails/facials, brand new vehicle a few years ago above her budget (before we got together), subscriptions (stitch fix), and movies (my fault for loving movies but I do not buy any drinks and snacks like she does haha). I want to send this video to her without getting skewered lol.
Buying a used car is often buying somebody else's problem. Get a new car with NO bells and whistles take care of it and drive it till it dies....unless you are a mechanic or like working on cars, then buy the used one.
Is mind blowing 🤯 how much we think alike when it comes to spending money on useful and unuseful things. Is nice to see and relate to someone else who doesn't care about brand name stuff, cut out daily/weakly bad habits spending and I will never buy a brand new car... I really love your video. 💗
Subscription...This happened to me with Amazon Prime, and I’m so bad at looking at my statements, I finally noticed after months 😩 I didn’t even use Amazon enough for it to be worth it. I was basically just giving an already successful business my money every month like here you go take it 🤦🏻♀️
Erika, LOVE YOU !!! I agree with you on everything, but I just bought a new car... LOL I looked at some used vehicles, but there is nothing like the feeling you get by being the first owner... 100 K mile warranty on my new car is nice also... I decided against a used car because you might be buying someone else's problem...
Lol I am the same. I agree on the saving money part buying used cars, but I don't want to drop money on a used car just to find out that it's a piece of crap and comes with a million little problems.
I've been doing many of these for most of my life (ie, never believed in "fashion trends")...and started doing some of these later (ie, we only buy Christmas gifts for the children).🎄 I'd rather share time and an activity together than buy each other holiday or birthday gifts. 💕 One popular money saving tip is to barter, trade, donate and/or buy used items. There are MANY groups online. That helps to reuse items, keep more things out of landfills, find treasures and save money. 💰
Lol wearing the same tops on UA-cam videos. 🤣 #same A couple things I cut that I don’t miss is makeup and stain haircuts. I can cut my own hair, and my skin just feels better without makeup. 😊
I too bought a used car and it was pretty inexpensive and it has worked out really well for me - new car prices went very high in the last year or so and honestly my friends have Mercedes Benz and BMW’s and I really don’t see the difference and their maintenance bills are gargantuan - German spec this and German spec that - it is crazy not to mention their insurance. Love your vids ✌️
I bought a new car recently. I know that was an emotional purchase but I love her. 😀 but I'm being as strict as possible to rebuild my savings and this has motivated me to find a higher paying job.
I never go shopping on an empty stomach anymore. I used to buy a lot of snacks and junk food because I was a little hungry when I went out. Now I find myself spending a lot less on food if I eat before I go out.
No cable, no Starbucks (unless when I really need a place to sit and work for a couple of hours), no books (only get from local libraries) , no brand names, no movies (converted dining room to a home theater and loving it). Great list!
@@Erika2 Front projection and surround sound all the way. I DIY most of it so it didn't cost a lot of money for a nice system. We do enjoy sitting in our own place drinking beer much more than paying for overpriced tickets and popcorn at theater. it's a great hit with the kids in our neighborhood as well. it's even better now during the time of social distancing and self quarantine.
Thank you for wearing the same shirt over and over, i see so many youtube people just wearing something else in each video it worries me, esp. as the fashion industry next to the meat industry is one of the most polluting industries in the world.
HAHAHA.... I've been doing these things and saying this for YEARS! Especially about all the salon nonsense and how useless long fake nails are, it's ridiculous! I'd much rather be able to cook, bake, clean, play my instruments, build something, paint, go hiking without having ridiculous nails in the way to worry about. And I personally think its way more attractive and classy to value and know what you can accomplish with your hands. And how bout all those chemicals women use on their hair, that is just damaging. What this world tells you is popular is almost always a trap. I low-key roll my eyes at people who buy all this stuffy stuff.
Thanks Erika. I agree with almost everything except the Christmas gift part. Kids (friends' and relatives' kids look forward to me giving gifts at least once a year... and seeing their faces light up when they open it is priceless. The experience ane memories they will bring, at least to me, will never amount to money I save. I say this because kids, unlike older people, are into toys andthat's how they learn too. :) Also, I believe in balance. I buy books and watch movies every few months. Better for economy. :)
My kid and family do not get presents from me for Christmas, Birthdays, and other holidays. However, we do spend time with them and give them random gifts throughout the year because I love them and they love it. My 5yo knows Christmas is just cultural consumerism.
Subscriptions are no joke. One thing you should mention is you can request refunds on any subscription service you have not used. I got back over $300 in the last week by contacting different services I was still paying but not using. Email them, ask nicely and they will do it. BUT if they say no, contact your credit card company and request a chargeback - this will always go in your favour as long as you haven't used the service.
Before I married her, I “thought” that my wife was just like that. I think I was fooled!!!! Hahaha. Anyway, I will send this video to her and my sister TOO! Keep up the great work. Much appreciated.
I need financial advisor like u. Wow! I didn’t know women like you exist. You bring great energy , intelligence and education most people need. Your such a gem. I’ll continue to support your channel.
Awesome video! In regards to no. 3, I also have multiple black t-shirts and white shirts. I would never go back to having a bazillion colors and patterns.
My *respect* for *_Erika_* shot into space right here 5:18👌🏿😇 I wish all girls were like this. *Natural is best* - groom and keep yourself nice and clean - *Hygiene.* Just my opinion anyway. I'm not a female, so I don't know what goes through their heads - probably something from birth and or the environment - parents. I remember in my school days, some of the girls lost the hair around their heads 😁 The bad chemicals and constant fu¢kery their parents did to their hair was astounding. I use to always wonder why those girls' hair had receded. *All the best.* *Blessings ☀️🌧️🌱*
I’ll save a lot more money once I don’t work in retail anymore. Being constantly around merchandise and having a discount makes it hard to not want to buy something all the time
I cut my automobile out, and put a lot of the sale into stocks. No car saves me about $6k/year. I live less than a mile from school so I bike to class. Sure I gain expenses like having groceries delivered but I'm still saving a fortune at the end of the year. Paying for grocery delivery is probably something I would do even if I had a vehicle because of the time/convenience factor and it prevents frivolous in store purchases.
Great video! thank you Erika, i've been selling lots of my brand name clothing, shoes and bags. it was an addiction I had, shopping. I am slowly having more a minimal lifestyle and when I shop.. I go second hand or thrift.
Tbh I really hate holiday gift culture, really hate buying gifts, and don't really care about receiving gifts (honestly). I usually opt out of holiday functions for that reason.
I love the Christmas gift idea. Christmas became a big sales and marketing ideas to make people spend more money than actually celebrating what it really means.
Seems like she uses her money to rent her apartment in NYC. That's honestly a guess. A better way to save money? Don't get locked into an awful rent price/mortgage. Nothing eats your money more than housing expense. Anyway, this is just normal spending habits for people in Michigan. This is all common sense for us. Really surprised alcohol, marijuana, gambling, expensive restaurants, and frivulous gas station snacks weren't mentioned. I mean, a couple drinks at a bar once a month would cover a subscription service haha. And I know people who are spending $100 a month just on weed. In general this video makes me think of people in SoCal, NYC, and other large and materialistic cities.
Great video, Erika! I can't even remember the last time we went to the movies. It's so much less expensive to just watch them at home. Plus, you can take breaks whenever you want and go to the restroom and not miss the film. Popcorn and snacks are a lot less expensive as well. 😉
Wow. I can't believe I stumbled across a woman who thinks EXACTLY like me when it comes to spending money! I bet your husband is really REALLY happy with your spending habits!
Keeps saying she cut all beauty related thing out of her budget but still looks better than most girls who spend significant amount on trendy clothes and pedicures, who else agrees?
I see that you haven't driven an used car. The reparation of pieces is sooooo expensive that you pay as much as for a new car on the long term. And don't forget the time you can't use it because it is in the mechanical garage.
Omg you have hit the nail on the head with aspirational clothing for me! 🤦♀️ I’m like when I lose a dress size I’m going to look fabulous in that dress 👗 that’s my goal, to get into that dress/coat/top blah blah blah... 2 dress sizes up later... 🤣🤣 🙄 🤦♀️ a suitcase full of my “skinny clothes” still years later & probably moth bites by now 😆
Purchasing a stock may seem straightforward, but selecting the correct stock without a proven strategy can be exceedingly challenging. I've been working on expanding my $210K portfolio for a while, and my primary obstacle is the lack of clear entry and exit strategies. Any advice on this matter would be greatly appreciated.
The strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
I agree. Based on personal experience working with an investment advisor, I currently have $1m in a well-diversified portfolio that has experienced exponential growth. It's not only about having money to invest in stocks, but you also need to be knowledgeable, persistent, and have strong hands to back it up.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?.
I work with Rebecca Noblett Roberts who is a licensed fiduciary. Just look up the name. All the information you need to work with a letter to set up an appointment is included.
She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.
I agree with everything on this list except Books. Ive spent a fortune on my books, but they look great on my shelf and i view them as art and decoration for my home. They make me happy and honestly keep me motivated and inspired in life. I don’t get that from audible or a kindle.
That's true!! I can't disagree with that--if they make you happy, then it's worth it:)
I do agree, books can't replace kindles... something about holding a book in your hand and sensing the wealth of knowledge in it.
I do love my old books collection. And they look beautiful in the studio.
I agree. I still buy books. There's Nothing more relaxing than disconnecting from all technology, sitting on the sofa reading a book, flipping its pages and enjoying a glass of your favorite beverage.
@@Miguel863 I enjoy reading on my phone, ereader, and books tbh😂. I used to be only a real book lover.
I’ve learned that we can save so much money if we just stop caring about what others think. Great video!
Exactly! Thank you Justin!
I agree
Agree
aye.
Only the banks know who has the money.
Once I got rid of my gf my savings increased exponentially.
LOL 😂
I can relate 😂. Disposable income surged lol.
LOL going up like a hot air balloon dropping sand bags
Hahaha
😂
I cut Starbucks and brand names in clothing and accessories a long time ago.
When my son was 12 he refused to wear any name brand clothing. He said, “ Mom they do not pay me to advertise their brand.” The wisdom in that one sentence totally changed the way I shopped for everything!
Brilliant!
I said that as a teenager, too & it helped me greatly
My son said the same thing. At 35 he still refuses to buy clothes with logos on them.
💗
I dont agree with her not buying stuff on sales. we can always buy stuff we need on sales.
I like how you went straight to the point
Agreed! Just clicked on the video and was immediately ready to skip
Agreed. Guess it's because she's a lawyer, every minute with a lawyer counts and they don't waste your time.
i used to buy souvenirs for family then i seen one of my gifts in a yard sale ! i put an end to that tradition !!!
Omg that is so funny!!
LMAO
😅🤣
hahahaha
Lol
I would add “Fast Food” .. I started cooking at home EVERYDAY and this has improved my quality of living and savings account tremendously!!!
Going out to eat in general, once a month or so is all I do anymore. I save $100's a month not eating out as much.
I'm seriously going to try this year. But I'm starting small.....going for three month of not eating out studying last Monday. WISH ME LUCK!
Eating out you mean?
Yes very expensive.
I travel around my city a lot as part of my job, so I make sure to bring my lunch every single day. My coworkers, though, eat out every day for lunch. It baffles me how they can spend so much money a week on just fast food.
@@MatthewF21 omg same!!! Some of my co workers/employees I KNOW make the same or much less than me and they door dash everyday. No bueno.
I needed a dish rack Walmart had one for 13.00! I waited and went to Goodwill I found one that looked brand new for 1.99!
I love it when stuff like that happens, feels like a huge blessing ☺️
OMG, I think I just met the lawyer version of me. LOL! (I'm a therapist.) Every single thing you said in this video, I've been doing, too. No brand names, no souvenirs, no salons, no Starbucks, no new cars, no unnecessary subscriptions, and I pack my own lunches to work. And I make 6 figures. I still maintain the starving student mentality, and refuse to fall victim to the lifestyle inflation trap. Thank you for your video. Glad to know I'm not alone.
I love it!!!
Amen!
I resonate. I’m the same and being called a tight a$$$ by family & friends and i embrace it. But in this way i don’t scramble for money
may I ask what kind of therapist you are? Thank you!
I do go to the salon and I need to start packing my lunch every day.
i cancelled my cable about 10years ago it seemed to me i was paying to watch commercials !
I felt the same too!
Yeah, cable is trash lol
We are paying to o much , & solicitation of products !
Streaming is better
@@Erika2 Especially now that you can stream almost everything online and if you have a computer connected to a TV a simple google search for whatever you want to watch is not far away.
"I just cycle the same 5 white shirts." - Those are some pretty tasteful professional looking white blouses, fooled me lol.
Hahaha that's so nice of you to say :)
Right. They're nice!
I love the white blouse uniform idea 💡😍
I am totally adopting this for my lifestyle.
I already do all of these tips you shared.
Great video. Thank you Erika 😊
Nice content! The best way to find that balance between saving and living is by investing, This way you get to have your saving intact and then live comfortably off the revenue coming in from your investments.
wow! this is a jewel. the best comment i've ever come across on YT. Why didn't i ever think about this. Thanks for this, I'd also really appreciate if you give me some tips/guidelines that would guide me on the right path to take while investing
I’m not in a position to guide you, You just got to find the best investment and find a strategy that works for you
This seems more like putting your savings in an investment company rather then the bank, hmm really ideal i think because you'd earn a better revenue than the annual interest value you could get while saving in the bank. WOW! this is really an eye opener, could you recommend an IA please? I would really appreciate that.
Few years before i got to decipher the market myself i worked with an IA, VIVIAN KLAINE MORGAN. She traded my $90k portfolio into $220k and i learnt a lot of things i know today from her.
Please How can I get across to her?
You are so beautiful you don't need the nails or lashes anyway
I agree with all of these except the Christmas one. That’s taking the idea of minimalism to the point of just being cheap. Nobody should spend $900 a year on gifts. That blatant commercialism is very bad. But a simple low cost gift or even something that you made with your own hands isn’t that hard.
I agree. Live a little lol. Money is important but don’t be cheap. Why even make money then?
Due to health issues, I have been forced to stop eating outside. Its amazing how quickly those cheap meals ad up in cost. Beyond the fact that these meals are horrible on your health, it will also corrode your financial health. If you have loans, putting that $10 per meal into the principle on any loans you might have will pay you back exponentially. Oddly enough, since I've been sick, I have never been healthier.
I hope you get healthy soon! I do love that you've put a positive spin on it though, I'm sure it's much better for your health (and financial health).
Jeffry! OMG... did you see what's happening with the other video? Almost at 100k views. I cannot believe it!!!!
@@Erika2 I totally believe it. This is really going to great for you. Congrats!! =)
@@jeffg6924 Thank you!!! AHH!! :) :). I hope you're feeling better
@@Erika2 Things are getting back on track. We can only worry about what's in our control. This has been an eventful 12 months to say the least, but no permanent change so far as I can tell, short of a few new scars. We'll all be stronger for it. Erika, have you had any interest for sponsorship yet? I would not be surprised to see your views on that one video pass 200k by the end the of the week. Like I said, you will want to look at views in the logarithmic scale to see when the interest will peak. Certainly, you will have interest soon. Keep on top of the new hot financial topics, its really working for you.
Have you stopped buying any of these things? Hope everyone is enjoying their week! Please LIKE the video to help the channel out :)
Very valuable suggestions and ten of those things I’ve don instinctively for many years (don’t ask🎅🏻). Two things I’ve done differently. No birthday or Christmas gifts for anyone in high school or older. instead a cookout or trip to a state park. Cars, I buy multiuse vehicles (4x4 crew can trucks) and I buy new with the highest trim level I can easily afford and keep up the maintenance. I bought a ford in 1997 and traded it for a new Toyota in 2013. At my age I will likely be the last truck. When I was younger I went through a series of used vehicles that never lasted more than two or three years. When you buy used there’s a risk your buying someone else’s problems. The key is buy what you’re happy with and works for your situation maintain it and drive it till it dies.
Ps. I’m passing this vid to my family...they may listen to you.
Working on it!!
LOVE Libby!
I use Libby for audiobooks and reading books--all for free! And no need to go to the library to return either ;)
@@wendysong9048 I love Libby!!
I've cut out some friends.. that just don't get it 😁😁😁
Sometimes you just have to let people go and move on. Minimalism is the new trend.
They weren't friend I guess 😄
We are so focussed on what other people think of us that we forget what we actually want
Not supposed to be a materialistic but we forget about that part
I will NEVER cut out going to the movie theater!
It's just too much a place of joy and immersion/escape for me.
Everything else... Spot on.
You could also just get AMC A-List and see almost unlimited movies a month.
@AnnieONeill maybe you could try creating your own movie theater at your house and find a cheap way to watch the movie. That way you could still enjoy it but save money at the same time
@@stayyy2548 While I truly appreciate the suggestion, and I do already have a super comfy sofa and a great 75" TV, I feel that the theater experience cannot be duplicated. It's not a huge expense for us. We bring our own candy, we're not pop drinkers, and the fresh popcorn is shared.
My son's first film was Dune. He was ENTHRALLED!
It was very special for him and for me.
@@AnnieONeill That is smart!!
when my wife comes home with more cloths that were "ON SALE" I ask but did you need more cloths ?!!!!!! I think the 4 closets full is enough!
4 closets!? Wow, that's pretty impressive haha!
*clothes
Time to talk finances to her.
CLOTHES
I don't get my nails done or eyelash extensions either!
I like the Christmas idea, I don't really like receiving gifts anymore (unless I can eat it) so showing appreciation for friendship etc. works better for me!
Hahaha, I love that! Gifts you can eat are definitely nice :D
I buy brand names. Just buy it at the local goodwill! Lol
😂 me too . or st vincent de Paul. I don't purposely get it bc it's brand tho.
I agree! If you can find quality, brand name items used go for it! I honestly don't care about brands, but if I find a quality price if clothing that could last a lifetime at a great price I'll buy it.
Me too!
🙌🏾
Same although Goodwill is starting to get greedy with their pricing.
I don’t particularly try to keep up with trends but I also don’t think there’s anything wrong with buying the clothes and dressing the way that you enjoy and feel pretty in.
@Mani Lee To me, clothing can be an art form. When you buy something you like and just like it because it's unique and pretty. Price tags are an indicator of a deal breaker for me.
Yes, I want to support the people who design certain clothings I take a liking to, but I can't afford to break my bank in the process either. 🤷♀️ BTW, I love your hair color. 💛
I thrift store shop and save so much money and have cute outfits for $3-$5 each.... Like I'm going shopping for sundresses today... My budget is $10 for the whole excursion
If creating a monthly clothing budget increases your quality of life and brings you joy, then go for it. The whole point is cutting out the things that are meaningless in your personal life.
For brand names, depends on the brand. For example sunglasses. Tried loads and loads of pairs and no matter how well I took care of them they broke (one pair from a mall kiosk literally shattered on my face while I was driving in AZ). Finally found an Oakley outlet store. Bought a pair for me and my wife. Years later still great glasses that have not even come close to being damaged in the time no matter what I do with them. Hiking, yard work, long drives these still are in great shape and I don't take better care of them than I did with all the various ~40$ glasses I tried.
I showed your video to my students- Finance 101. Thank you!
Awesome! Thank you!
I HAVE INCURRED SO MUCH LOSSES TRADING ON MY OWN... TRADE WELL ON DEMO BUTI THINK THE REAL MARKET IS MANIPULATED... CAN ANYONE HELP ME OUT OR AT LEAST TELL ME WHAT I'M DOING WRONG ?
Same here, My portfolio has been going down the drain while I try trading,! just don't know what I do wrong
Trading with an expert is the best strategy for newbies and busy investors who have little or no time to monitor trade
@@gratisgratis7275 I will advice you should stop trading on your own if you keep losing and start trading with Alexander Robert trading services
@@xavierreginald9536 Wow I'm just shock you
mentioned and recommended Expert Alexander Robert I thought I'm the only trading with her
@@mariasofia6211 You don't need to be shock because I'm also a huge beneficiary of expert Alexander Robert and she really help me when I was trading losses on my own
You're awesome, girl :) I never learned about money or finances because I grew up really poor and wasn't given any money by my mother. I've been working in law firms for 30 years--not as an attorney :) My finances have been the biggest stressor my entire life and I am so way behind in having anything for my later years. We should have been taught this in school! I think your channel would be awesome for teaching young women especially :)
I can totally relate. Great money mindset! I find that people would rather look rich than attract wealth.
Thank you!! 100%!
Great tips! I’m actually the opposite I was saving so much that I didn’t have fun because I’d worry about the cost. Now I splurge a bit (not excessively) on getting more regular haircuts, going go karting, eating out with friends. I don’t care for brand names etc but my qualify of life increased after spending a bit on fun!
I make everyone a few flavors of candy for Christmas, and I actually ended up turning that into a side business that does well for myself.
I've done most of these things out of need, but I can't tell you how AMAZING it is to know that someone such as yourself is doing the same! Makes me feel like I'm on the right track to a secure financial future, and I don't feel less than for not having or wanting these things. Thank you Erika! 🤗
Protecting your capital is much more important than making money. Basically because if you lose your capital, making money is much harder. ''Missing the train'' vs. ''losing your money''. There are a lot of trains, but if your money is gone, it's over.
I typically wear my employer's hat in public. People will ask why i do that if I'm not working. My response is always the same: my employer pays me to wear the hat, Nike/Gucci/fill in the blank brand brand doesn't.
I cut out cable as soon as I had highspeed internet.
I just stumbled onto your channel after leaving a job that I was well compensated for, but was hating more and more every day. Thank you for sharing this content! I too have cut a lot of these items from my budget, especially buying new cars. Your confidence and enthusiasm is contagious! Keep the content coming.
I have been like what you said in this video for years. I'm so happy that beautiful people like you do exists. Great points!
I love the white blouse uniform idea 💡😍
I am totally adopting this for my lifestyle.
I already do all of these tips you shared.
Great video. Thank you Erika 😊
Why spend money on Netflix subscriptions when UA-cam is free?
Ahhhh true point, but UA-cam is a different kind of entertainment from Netflix for me I think :P
My thoughts
Alot of great things on Netflix that you can not get on UA-cam. UA-cam I use for information, smartly of cause...but everything on Netflix is not on UA-cam.
Summing it all up, live comfortably, not stressful. You got it, I've been doing it for the last 30 years. Thanks for the video!
You nailed it!!
You have to learn how to enjoy your life. The key is to live below your means. You can cut things out and live as a miser - that's one extreme
or you can try to keep up with the Jone's. The real key is finding a happy balance!!
Agreed
I tried cutting out Starbucks. I missed the ambiance and stars rewards. I used to just spend like crazy there up to $60 a month. Now I budget $25 monthly and buy the short for hot drinks and tall for cold drinks. I am addicted to the ambiance!!!
I would miss people not knowing how to spell my name.
I allow myself to go there once a week instead of everyday.
I paid off my student loan from medical school in one year. I paid off my mortgage in one year. I accomplished these goals largely for following the same advice she's giving.
How did you pay off your mortgage in one year?
Yes also interested in knowing how one "pays off mortgage in one year"...? On a regular income that is..
So how is "financial minimalism" different from yesteryear's "frugality" or just being a "cheapskate"?
I identify as a "cheap bastard". At least that's what my wife calls me 🤭
Cheapskate has a negative connotation. The rest don't. I suppose even that connotation depends on who are your friends. Best thing for a lot of people is to find a new group of friends who have a similar mindset and don't need to validate their existence with expensive things or activities.
My husband and I never had much money, but we still retired in our 50's. Don't buy stuff you don't need. We raised our kids to be careful with money, too.
You can get lots of stuff free or second hand. Better for the earth, too. Tina
For cars I would suggest “total cost of ownership” over the time expected to own it is a much more significant factor than initial price and whether it is new or used. Particularly for petrol burning cars wear and tear on mechanical components can mean being closer to expensive repairs. That said, definitely don’t buy “more car” than your use case requires.
I agree with all these things. I read an Ayn Rand book many years ago. And it challenged me to to question if I am doing things just to impress others. When you buy things just because they are useful to you, you buy less, and you buy cheaper. I am now a multi-millionaire. Put your money in the stock market and let it sit. You can retire early. You can pay off every loan. And you have less stuff to manage. Remember stuff needs to be managed. So buy less stuff to worry about. Oh, and restaurants are a big money stuck too. I limited restaurants, especially for dinner down to twice a month. And that saved me a ton. Even now when I can afford anything. I don't like to take care of stuff. Now that I am wealthy, I have not started to buy stuff just because I can. Simplicity is a happy way of life.
which book
@@varoongupta9815 I read all her works but Fountainhead was the one I was referring to. Ellsworth Toohey vs. Howard Roark.
Frugality is gift not many people have it. U can cut cloth according to their size in this world of self indulgence materialism is good and u start in you will carry u long.
Good 4 u.
You, are amazing!! Your videos are helpful, and your personality makes watching them 100x better. ❤️ Edit: In the US, AMC does $5 movies on Tuesday!! 👍
If you own AMC stock you get free concessions.
I cut the cord on regular TV many years ago in favor of watching UA-cam channels on my PC. It saves money, and I enjoy the creativity and interaction on UA-cam much better. I also went from landline phone to VOIP, then to just cell phone to simplify and save money. I still love books of the hard copy kind, so I prefer to keep them. Thank you for a great channel!
One of the smartest things I ever did pertaining to money is finding a wife who shares my ideas and attitudes about spending. And now that we are truly financially independent we can treat ourselves to a new car when we need one (Japanese, not German, we’re smart with our money!). You remind me of my wife when we were young Erika, which I mean as a tremendous compliment. Best of luck with your channel, such great advise and happy to see you sharing it.
The biggest problem with the shot glasses...they are empty :) Reviewing credit card statements can be a huge savings. Love that you and your family donate your time to an orphanage. Thanks for continuing to produce quality content Erika.
I love minimalism. It’s better to use our mental energy on worthy pursuits. The more we buy the more we desire to get better and expensive stuff to “keep up” or show off. You earned a sub ❤️
Let's not forget that manufacturers raise the price on goods before they put them "on sale" so you're not always getting the best price and many times will be paying MSRP.
I was buying a Latte” of Starbucks when I was still working-$60-$80 weekly. I’ve tried to realize it is more of a habit- I buy a large bottle of cold coffee in the grocery store and get 4-5 drinks for the price of one and no tips.
I've been doing all 12 of these for YEARS!! These are all very smart strategies for saving money and wealth building! I LOVE your channel. You're a wise young lady! Thank you for having priorities and principles! You'll always WIN in the long run!
Oh god. My wife struggles with temptations from name brands, sales, Starbucks, cable TV (on top of Netflix/Hulu), nails/facials, brand new vehicle a few years ago above her budget (before we got together), subscriptions (stitch fix), and movies (my fault for loving movies but I do not buy any drinks and snacks like she does haha). I want to send this video to her without getting skewered lol.
Hahahah if you send it to her, make sure you delete this comment first LOL
Clint, I already sent it to my wife, and boy did I get “skewered”. Eh, I’ll survive.
@@MaMa-qh4dy Hahahah this comment is hilarious :P
Buying a used car is often buying somebody else's problem. Get a new car with NO bells and whistles take care of it and drive it till it dies....unless you are a mechanic or like working on cars, then buy the used one.
Is mind blowing 🤯 how much we think alike when it comes to spending money on useful and unuseful things. Is nice to see and relate to someone else who doesn't care about brand name stuff, cut out daily/weakly bad habits spending and I will never buy a brand new car... I really love your video. 💗
I'm so happy to hear that!
Souvenirs and cable tv I cut down six years ago and don’t miss them, brand names I never cared
Great tips you gave here😘👌👍
Love that! Keep it up!
Subscription...This happened to me with Amazon Prime, and I’m so bad at looking at my statements, I finally noticed after months 😩 I didn’t even use Amazon enough for it to be worth it. I was basically just giving an already successful business my money every month like here you go take it 🤦🏻♀️
Erika, LOVE YOU !!! I agree with you on everything, but I just bought a new car... LOL I looked at some used vehicles, but there is nothing like the feeling you get by being the first owner... 100 K mile warranty on my new car is nice also... I decided against a used car because you might be buying someone else's problem...
Lol I am the same. I agree on the saving money part buying used cars, but I don't want to drop money on a used car just to find out that it's a piece of crap and comes with a million little problems.
When I find out it's all about the need to satisfy an ego or belong or habit, I begin to think twice about spending.
I've been doing many of these for most of my life (ie, never believed in "fashion trends")...and started doing some of these later (ie, we only buy Christmas gifts for the children).🎄 I'd rather share time and an activity together than buy each other holiday or birthday gifts. 💕
One popular money saving tip is to barter, trade, donate and/or buy used items. There are MANY groups online. That helps to reuse items, keep more things out of landfills, find treasures and save money. 💰
Lol wearing the same tops on UA-cam videos. 🤣 #same
A couple things I cut that I don’t miss is makeup and stain haircuts. I can cut my own hair, and my skin just feels better without makeup. 😊
Haha, LOVE it! I'm pretty impressed that you can cut your own hair. I need to learn!
I too bought a used car and it was pretty inexpensive and it has worked out really well for me - new car prices went very high in the last year or so and honestly my friends have Mercedes Benz and BMW’s and I really don’t see the difference and their maintenance bills are gargantuan - German spec this and German spec that - it is crazy not to mention their insurance. Love your vids ✌️
I bought a new car recently. I know that was an emotional purchase but I love her. 😀 but I'm being as strict as possible to rebuild my savings and this has motivated me to find a higher paying job.
I never go shopping on an empty stomach anymore. I used to buy a lot of snacks and junk food because I was a little hungry when I went out. Now I find myself spending a lot less on food if I eat before I go out.
That's a REALLY good one!! Same thing happens to me when I go shopping on an empty stomach!
Retired from a finance job at 55yo. I agree with everything except gifts - just set a reasonable budget and stick to it.
No cable, no Starbucks (unless when I really need a place to sit and work for a couple of hours), no books (only get from local libraries) , no brand names, no movies (converted dining room to a home theater and loving it). Great list!
I LOVE it!! That's a really cool idea that you've created a home theater. Are you using a projector for that or TV?
@@Erika2 Front projection and surround sound all the way. I DIY most of it so it didn't cost a lot of money for a nice system. We do enjoy sitting in our own place drinking beer much more than paying for overpriced tickets and popcorn at theater. it's a great hit with the kids in our neighborhood as well. it's even better now during the time of social distancing and self quarantine.
@@tarzan12345 That sounds AMAZING! Would love to build one myself down the road... :D
Thank you for wearing the same shirt over and over, i see so many youtube people just wearing something else in each video it worries me, esp. as the fashion industry next to the meat industry is one of the most polluting industries in the world.
Name brands are for poor people. Money talks, wealth whispers.
I stopped watching cable years ago. The one thing that gets me are the sales. 😅 Thanks for the advice
HAHAHA.... I've been doing these things and saying this for YEARS! Especially about all the salon nonsense and how useless long fake nails are, it's ridiculous! I'd much rather be able to cook, bake, clean, play my instruments, build something, paint, go hiking without having ridiculous nails in the way to worry about. And I personally think its way more attractive and classy to value and know what you can accomplish with your hands. And how bout all those chemicals women use on their hair, that is just damaging. What this world tells you is popular is almost always a trap. I low-key roll my eyes at people who buy all this stuffy stuff.
Thanks Erika. I agree with almost everything except the Christmas gift part. Kids (friends' and relatives' kids look forward to me giving gifts at least once a year... and seeing their faces light up when they open it is priceless. The experience ane memories they will bring, at least to me, will never amount to money I save. I say this because kids, unlike older people, are into toys andthat's how they learn too. :)
Also, I believe in balance. I buy books and watch movies every few months. Better for economy. :)
My kid and family do not get presents from me for Christmas, Birthdays, and other holidays. However, we do spend time with them and give them random gifts throughout the year because I love them and they love it. My 5yo knows Christmas is just cultural consumerism.
I do also buy gifts but have cut down my budget drastically. I enjoy buying them and use the holiday as an appropriate time to do so.
Ooh... H U G E takeaway for me is "sale is just a trigger word to speak money that I wouldn't otherwise spend". Well stated.
Yess! It took me a while to realize that :)
hair and nails are ALWAYS in my budget . Lashes, I do myself!
I agree! Budgeting what you want works too. One can create a budget for birthdays and/or Christmas and still keep money in their pocket.
Subscriptions are no joke. One thing you should mention is you can request refunds on any subscription service you have not used. I got back over $300 in the last week by contacting different services I was still paying but not using. Email them, ask nicely and they will do it. BUT if they say no, contact your credit card company and request a chargeback - this will always go in your favour as long as you haven't used the service.
Before I married her, I “thought” that my wife was just like that. I think I was fooled!!!! Hahaha. Anyway, I will send this video to her and my sister TOO! Keep up the great work. Much appreciated.
Hhaha, so funny! Thank you for passing this video along! :)
I need financial advisor like u. Wow! I didn’t know women like you exist. You bring great energy , intelligence and education most people need. Your such a gem. I’ll continue to support your channel.
Awesome video! In regards to no. 3, I also have multiple black t-shirts and white shirts. I would never go back to having a bazillion colors and patterns.
Haha we are twins!! It's the simple way to live :D
Erika Kullberg: Finance, Investing, Passive Income Yes!
My *respect* for *_Erika_* shot into space right here 5:18👌🏿😇
I wish all girls were like this.
*Natural is best* - groom and keep yourself nice and clean - *Hygiene.*
Just my opinion anyway. I'm not a female, so I don't know what goes through their heads - probably something from birth and or the environment - parents.
I remember in my school days, some of the girls lost the hair around their heads 😁
The bad chemicals and constant fu¢kery their parents did to their hair was astounding.
I use to always wonder why those girls' hair had receded.
*All the best.*
*Blessings ☀️🌧️🌱*
I gave up Christmas a few years back, yes I saved momey but better I elem9nated the stress the holidays brought.
Me too.
I’ve cut (or never bought) all of the same things…and I’m still broke. 🤣
I’ll save a lot more money once I don’t work in retail anymore. Being constantly around merchandise and having a discount makes it hard to not want to buy something all the time
Poor people complain I don't have things they can't afford. I tell them that's why I'm a millionaire cause I didn't spend all my money on crap
👍 I cut out a lot that you mention
YAY! :)
I cut my automobile out, and put a lot of the sale into stocks. No car saves me about $6k/year. I live less than a mile from school so I bike to class. Sure I gain expenses like having groceries delivered but I'm still saving a fortune at the end of the year. Paying for grocery delivery is probably something I would do even if I had a vehicle because of the time/convenience factor and it prevents frivolous in store purchases.
Great video! thank you Erika, i've been selling lots of my brand name clothing, shoes and bags. it was an addiction I had, shopping. I am slowly having more a minimal lifestyle and when I shop.. I go second hand or thrift.
Tbh I really hate holiday gift culture, really hate buying gifts, and don't really care about receiving gifts (honestly). I usually opt out of holiday functions for that reason.
I love your channel. Thanks for sharing all your financial knowledge. :)
I'm so happy to hear that! Thank you Marissa!
I love the Christmas gift idea. Christmas became a big sales and marketing ideas to make people spend more money than actually celebrating what it really means.
Seems like she uses her money to rent her apartment in NYC. That's honestly a guess. A better way to save money? Don't get locked into an awful rent price/mortgage. Nothing eats your money more than housing expense. Anyway, this is just normal spending habits for people in Michigan. This is all common sense for us. Really surprised alcohol, marijuana, gambling, expensive restaurants, and frivulous gas station snacks weren't mentioned. I mean, a couple drinks at a bar once a month would cover a subscription service haha. And I know people who are spending $100 a month just on weed.
In general this video makes me think of people in SoCal, NYC, and other large and materialistic cities.
Great video, Erika! I can't even remember the last time we went to the movies. It's so much less expensive to just watch them at home. Plus, you can take breaks whenever you want and go to the restroom and not miss the film. Popcorn and snacks are a lot less expensive as well. 😉
Wow. I can't believe I stumbled across a woman who thinks EXACTLY like me when it comes to spending money! I bet your husband is really REALLY happy with your spending habits!
Totally agree with not getting a new car. I learn that lesson the hard way.
I agree with everything except the coffee 😂
Keeps saying she cut all beauty related thing out of her budget but still looks better than most girls who spend significant amount on trendy clothes and pedicures, who else agrees?
I see that you haven't driven an used car. The reparation of pieces is sooooo expensive that you pay as much as for a new car on the long term. And don't forget the time you can't use it because it is in the mechanical garage.
Omg you have hit the nail on the head with aspirational clothing for me! 🤦♀️ I’m like when I lose a dress size I’m going to look fabulous in that dress 👗 that’s my goal, to get into that dress/coat/top blah blah blah... 2 dress sizes up later... 🤣🤣 🙄 🤦♀️ a suitcase full of my “skinny clothes” still years later & probably moth bites by now 😆
Hahaha I laughed out loud reading this. I used to ALWAYS do this!!! I'm so glad to learn I'm not the only one guilty of this haha