8 Areas To Watch Your Spending In Your 30's
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- Опубліковано 20 кві 2021
- If you can master the discipline of making more money but not spending more, you'll build wealth a LOT faster and even retire early. If you don't want to wake up one day and wonder where all your money went, make sure to keep that "lifestyle creep" in check!
It's about being aware of the tradeoffs. Because there is ALWAYS a tradeoff. Every time you say YES to something, you're saying NO to something else. Sure, you deserve to have nice things. But you know what else you deserve? You deserve to not have to work until you die. Everything has a tradeoff.
**ATTENTION: I have a new Instagram and TikTok handle @itsrosehan **
That's my official account, and I will NEVER message you about investment schemes, so please be careful and block & report any scammers posing as me.
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**BOOKS I RECOMMEND 📚**
I Will Teach You to Be Rich (hilarious how-to book on personal finance for millennials)
amzn.to/2VbJ1Pt
The Little Book of Common Sense Investing (Jack Bogle's classic advice on index funds)
amzn.to/32ewzjj
InvestED (step-by-step, millennial-friendly advice on how to pick stocks like Warren Buffett)
amzn.to/2SLTYpn
Unshakeable (this book = courage. blast ALL the fears & misconceptions you have about investing)
amzn.to/2SKyklt
Rich Dad Poor Dad (#1 selling personal finance book of all time... need I say more?)
amzn.to/2SJ6vtx
Think and Grow Rich (the ultimate book on money mindset and wealth consciousness)
amzn.to/37N2adc
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**MY FAVORITE MONEY TOOLS 🖤**
YNAB (I literally can't live without this budgeting app, so obsessed)
www.youneedabudget.com/?ref=Y...
Wise (like Venmo but for international currencies - I use this app a LOT for my life in Mexico)
wise.prf.hn/l/413jE0q
Ledger Nano S (crypto storage hardware wallet, because "Not Your Keys, Not Your Crypto"!):
amzn.to/3Ne37jy
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DISCLAIMERS & DISCLOSURES ❤
This content is for education and entertainment purposes only. Rose does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.
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• 8 Areas To Watch Your ...
"Just because you can, doesn't mean you should." This will be my mantra going forward. Thank you so much for this helpful advice.
Absolutely %100! Me too.
I’m glad you broke down the “I deserve” mentality a bit as I get caught in that cycle. I prefer to think “I deserve to not work until I die” much more than new shoes 🤣🤣👏🏻🎉
I’m trying to buy shoes people said can last a long time and I can easily fix like Birkenstocks. I can’t afford to buy cheap shoes.
YES!!! If I work in retirement I want it to be because I want to work and not because I have to work.
That was truly healing! ♥️😂
Yes this! Gonna be my new mantra 🕉️
I'm 29 but I will start implementing this advice today so I can actually have savings in my 30s :)
Same im 34 and iv saved a nice amount of money and started to invest a certain amount every month. Its just other family members that are not on the same page with makes it hard
Give us an update! 😀
I used to walk most places because I couldn't find enough change in my house to buy gas, now I live two blocks from a grocery store and still have my food and groceries delivered sometimes.... 😳 Reality check.
I gave into lifestyle creep last year. I started making more money, and I went out and bought a new car. And then I had to work like crazy last year to keep up with all my debt payments. It was the worst decision I've ever made financially.
live and learn
My spouse has gotten their first well-paying professional job and I am trying to educate him about lifestyle creep. Because, as I say, it may not last forever.
Oh wow. Thanks for sharing. At least you learned the lesson quickly.
To lower my grocery bills, I have turned vegetarian 😆. To avoid gym membership fees, I run in nature. To lower subscription fees, I only watch UA-cam and Amazon prime video. I get newspaper subscriptions for free through my employer. I have only bought 1 piece of clothes since the pandemic started. My body is very happy, and so is my wallet.
High thinking, high paycheck, simple living 🎋
P.S marinating a cheaper cut of steak in minced onions tenderizes it and makes it just as yummy as a premium cut 😉
I try to attach some spending with something else. For example, never eat out unless it's with friends (ie. Never buying breakfast or lunch for work), taking a girls trip after hitting saving and investing goals as a trip, buying new gym clothes after reaching fitness goals. I think it also helps motivate myself to reach goals but not depriving myself in the process.
1:03 Lifestyle creep - General info
1. 3:21 Housing
2. 6:30 Convenience
3. 8:28 Groceries
4. 11:30 Paid Subscriptions
5. 14:32 Clothes
6. 16:28 Travel
7. 18:38 Services
8. 19:48 Car
We always cancel our video subscription services each spring. We go outside, garden, hang with friends, etc and just don't need to watch stuff. Late fall, when the weather gets cold, we pick up a subscription again for the winter months when we're inside more.
That's pretty brilliant actually.
Wow ! Being a Dad this would also help with the kids not watching tv, switch etc. Thanks for throwing this out there.
@@Ramz_-iu7sd yeah we were straight up with our kids this year and told them it was going away in a few weeks, so it wasn't a surprise for them. We've been grabbing a movie from the library each week to satisfy family movie night, but otherwise been spending our time doing other things like enjoying the nice weather
Just give up subscriptions entirely and torrent your media.
I love this!
Clothes can be so dangerous! I reached a point where every month I would go shopping and come home with mountains of clothes, thinking they'd make me happy. And I ended up barely wearing them or wanting to wear something else the next month. Nowadays I'll hit an outlet shopping center once a year, get clothes on a discount, and actually wear what I own. So much money saved!
Rose posting about lifestyle creep as I consider hiring a housekeeper. Girl. How did you know?
🤣🤣
I've hired help around the house twice a month and my stress levels have dramatically dropped not to mention all the free time I get to spend with my family. Your time is worth something. Just another way to look at it :)
A housekeeper can be worth it! As the other person said it can offload stress considerably and completely payoff.
I started cooking my own meals in March. Dropped my spending by a lot!!! Also, if I do eat out, I try NOT to use apps and instead give the money to the Restaurant! No bottled water, either. Recyclable bottles are better for the environment and cost less in the long run. I wanted a bigger TV and found a 48" for $45 at a thrift store! No need to always buy the most expensive stuff!!! I have been following your videos to learn more about planning the future without sacrificing all of the now. Thanks for all the solid advice! I had a friend who's a CPA confirm it, since I know nothing about finances but should and she said your worksheets are legit!
I really enjoy all of Rose's videos, and agree with the "lifestyle creep" message. However, I think it's all about priorities. I'm a car guy, so I'd spend more on the car, and save on a smaller house, clothes, services, etc.
1. Housing
2. Convenience
3. Groceries
4. Paid Subscriptions
5. Clothes
6. Travel
7. Services e.g nails, house cleaning, hair
8. Car
Watch this in full coz its a good one!
Thanks, I wish she had timestamps
This video made me cancel my Amazon prime, which is $192 a year i should be investing. I also paused my adible for 3 months because like you said, i have a ton of books in my library i havent listened to yet! This video just saved me $240. Youre so smart and awesome, and i love your channel:)
Exactly, I agree! In spite of the bear market I have about 130k in my investment account and $3000 at least every month as dividends and profits generally. I’m 26 years old. Started working at age of 20 and i always liked to save. Now I have a 401k, Paid my car in full, saving accounts, and 2 investments accounts as well. Still working as an agent/realtor making around 90k-100K a year
am 26 with 22k how did you reach that so fast?
@@hacksmith7594
a lot of savings, but it comes with a cost. Not going to parties, working 6 days a week. Having 2-3 friends. Also working holidays as well. But most importantly consulting with an expert. I see my self doing good in the long term working with a financial adviser, I was assigned working with Merrill Lynch, well licensed with proof. Now is not go time to lose money 💪🏼
@Mirror Able I want to begin to buy properties and hold them for a reasonable amount of time, I just deal as an agent for now but I really have gained some insight into how the business runs. My profits and income sum up to 20k - 25k monthly
@@katrinecollen708
Oh I understand, I have same goals reading and expanding my knowledge I want to use my money for Multifamily rental property how can I reach out to your financial adviser?
@@katrinecollen708
Oh wow😮… This is incredible. I listen to Ms Lisa's podcasts sometimes and I never really made out time to contact her, never knew she offered these services. Outstanding Broker indeed!
Even when I was making $200k/year I still lived on about $80k/year and invested the rest into the stock market for decades. It’s really liberating to tell your boss to f-off and just quit when he’s a jerk. The last two jobs I just up and quit because of managers. Because of our money management discipline, our net worth hit $6M and we’re still in our mid-50s and will retire in 2.5 years .
Thinking I can buy stuff to cure my insecurities was my biggest weakness. Dealing with that lowered my spending on makeup, skincare, and clothes drastically. Now, I need to address my food spending. I discovered truffle mac & cheese at the grocery store and it's been tough trying to let go of that.
What I like to do with movie & tv subscriptions (netflix, disney plus, amazon prime, etc) is only have one at a time. I pick the one with a show or movie I want to watch and keep it until I'm done the series. Only have for a month or two than switch to another one.
I've made adjustments in every area mentioned.
Ironically, without every new gadget I honestly feel like I'm living in the future by living for my future if that makes sense.
The hardest part was programming my thoughts to no longer care about comments family members and people around me make based on assumptions that I don't have much money.
Only those very close to me know I've simply adopted a minimalistic lifestyle.
I love it! The amount of stress gone is unbelievable!
I’m really loving your new videos with the personal stories added!!
I’m so happy to hear that!! It’s something I felt called to do more of - not everyone likes it so I’m glad you enjoy it ❤️
I havent gone on a out of country vacation since i started working! Following you has made me see that saving up for my early retirement is all the vacation i will need!
i love being in my 30s!!!! 20s will always be the best but 30s is pretty cool too...thanks for this vid i needed to hear this ive been getting wiser wit my spending in my 30s but i cud always be better
Yes, so important not to creep up on every category at the same time! I think it's okay to choose and be mindful of your spending and splurges. That stuff changes over time too. I'm okay spending on convenience and certain services, like house cleaning, high quality groceries at the farmer's market. I'm also okay driving a normal car and picking up food directly from the restaurant.
Thanks for making this; I don't think I've seen it addressed before but am experiencing it now. I went to buy a sofa for the first time in my life -- not a big fancy leather thing just a 700 dollar Ikea one --and at the register I was literally sweating beads because it hit me that I was about to spend the most at a check out I've ever spent in my life. I was homeless 15 years ago. The place I lived after that I slept on seat pads on a basement floor. Like you I just had a moment where I realized how different the numbers felt. I told myself I could get the sofa because I've wanted that model for years and I had set money aside for it. I don't worry about how much is in my account most of the time when I get food. Sometimes now if I do have an unexpected expense I still physically freak out and have to talk myself down like "it's ok, you have a savings now, and you can replenish that in a few months...". Sometimes I walk through my neighborhood now and see the nice cars people have and go "man if I could afford that I wouldn't be living here...", I can't see ever spending a lot on a car especially if I had to finance much of it. I'm gonna drive my beater into the ground. For me, I was really torn on whether to keep my apartment without a roommate, that was the hardest decision, still not sure it's right but it's an easy one to change if I want a roommate again. I'm at least still really good at not buying new clothes until I have like ... no option in that category left, and I am a super cheap traveller. I stay in Motel 6, hostels, or camp for 3 reasons: saves my money, i travel with a dog, and I get to stay in super nice hotels from time to time anyway through my work.
PS your hair is sooooo beautiful! Love the colors.
Have totally been overspending on subscriptions that I don't even use! Thanks for the down to earth advice and for providing Financial training free of charge, I really appreciate it :)
Fantastic video. Thank you for sharing your personal life spending to illustrate your points. Regarding grocery shopping, another way to eat well on the cheap is to cater your daily/weekly menu to whatever is on sale that week.
First of all: LOVE THE HAIR!!
And then, you're absolutely right! I had a job that I loved, but it didn't pay a lot. I lucked into a great job that drastically increased my income, and my spending went WAY UP too. I could survive on what I made previously, but I didn't have a plan for all that new, 'disposable' income--so I wasted a lot. I bought all of the things I would have had to save and save for before. I have a great wardrobe now, lol.
I’m crazy about makeup... one year I reached the VIB Rouge status at Sephora, that meant I spent $1000 the year before that at that store... Now every time I’m about to spend money on a ‘want’ instead of a need I think of how many hrs I had to work to earn the money that I’m about to spend. 100% when I asked myself that question I end it not buying that want... makeup, beauty salon, nail/pedicure...
Great video! I needed that reminder. I used to coupon and check out what restaurants has better deals and now I don't think twice before eating at $$$ places. But not anymore, I'll be more intentional and conscious about my spending.
I feel exposed. Lol. I needed to hear this. Thanks for keeping it real.
Wow! You really have very realistic UA-cam videos. Glad I came to know your channel. You are a very big help.
My apt: no dishwasher, no washer/dryer, no AC, low ceilings, rickety stairs, and I can barely fit in shower BUT I paid off all my debt and am saving up for a better life. I hope it's soon! 😅
Also, how wild would it be to run into Rose at Burning Man?
😆
Just wanna shout out to you Rose. I’m glad I found you and thank you for all the advice. You saved my life. Lol! 🙏🏽💕
Def gonna re-evaluate my subscriptions and discretionary spending to fight the creep. Great video and reminder. Thank you, Rose!
it comes down to this. If you love what you have, you have everything you need. Lifestyle creep is (sometimes) a symptom of not being happy enough in your emotional or spiritual life. Obviously its great to spend money in ways that bring you joy, but if luxuries are becoming the norm, its a problem.
I would say that deleting my Instagram has been one of the best ways to prevent lifestyle creep! I can’t see people posting about expensive clothes, food, or travel anymore, which has really realigned my expectations :)
Thanks Rose! This is great to rewatch, especially at the new year and with lifestyle changes of all kind. U rock!
This is awesome, I need to replay it every single day !
Awesome video (as always)! My wife and I have grown our salaries drastically over the past 4 years, but still vacation cheaply and drive the same 2013 Honda! It’s a challenge to keep ourselves in check, but watching our accounts grow is solid motivation :)
Keep rocking the Honda! I've got a 2008 Civic and I hope to drive it for another 10 years!
Yes! I have made myself such a victim of this. I almost bought myself a sports car last year with $6k in credit card debt. Have a perfectly good car, great gas mileage, even has heated leather seats and a sunroof which is more than I ever even needed and still I convinced myself I needed a car that was "sexy" and "cool." To impress who I really have no idea. So glad I didn't fall into the trap of paying $500+ a month in car payments. I don't make a ton but I still travel a lot and people always ask me how I afford it....as they drive around in giant SUVs that won't be paid off for another 10 years.
Thank you. I just got a 60% increase in salary at 28 and this is my biggest worry! thank you for putting spending more in xx amount of more years you have to wait for financial independence. this is the stuff i need to be reminded of!
Thank you for this reminder 👍
It's definitely challenging to keep living a frugal lifestyle especially when people around you don't
I live in San Diego and covid restrictions have begun to loosen up quite a bit. There's also tons of outdoor dining options available and definitely this month I have noticed a serious uptick in my "revenge spending" mainly in my dining out budget category. I've had fun and it feels good to get out and support local restaurants but it also just feels so wasteful considering probably 50% of that money is going towards alcohol. I've committed to making some lifestyle changes and instead of going to restaurants and bars in order to be social, I'm organizing more hiking and beach days. Things that are active and less expensive and kinder to my liver. I haven't nailed it yet, avoiding alcohol in social situations is really challenging, but I'm excited about the progress I'm making. If I could add a #9 to your list it would be "Don't drink your money"
Woww! You are a true inspiration!!! I was shocked knowing you go to Burning Man! That is super coolll!!!
Thanks Rose. Exactly what I needed. Been creeping with clothing recently,, that ends now!
Thank you, Rose! 🙏💐
I needed this pep talk/reminder. I went from making $8 an hour and work 3 jobs to be able to eat in college to making $65,000 a year job 4 months after graduation and my spending became out of control! I had to have this same conversation with myself a few months ago when I was "replacing" items in my home that there was nothing wrong with or buying things I already had to "test or compare" to see if it was better ! I've experienced EXACTLY what you're talking about. You live up to you means and everytime your means increase so does your spending. So freaking crazy! I'm glad I'm not alone in this!!
Become addicted to stocks and you won’t be spending money no more haha
The struggle is real, girl!! Join the club lol!
@@Mistyfgdf haha working on it! My boss is very affluent due to investments and he has said to me that whenever they think about going to an over priced restaurant he thinks we'll I could invest that 70 bucks I would spend and just cook with my wife! Once student loans become more manageable thats my plan!!
I'm just curious what did you go to school for? I'm thinking about going back but I have too many interests and can't decide!
@@elenaaraujoborisoff6169 medical laboratory sciences and I now work as a medical laboratory scientist at the hospital. I originally got a degree in biology hoping to work in the lab which wasn't actually a qualification so I had to go back to school. I absolutely love my job. I get to be a big post of patient care without being a doctor or nurse and each patient is a puzzle with troubleshooting and figuring why or why not their results make sense
lifestyle creep is real. can confirm. I have an $800 suit chillin in my closet that I haven't worn yet and I'm already looking at another suit like some rich doofus who needs another suit (I don't). needed that exact same pep talk ha thanks Rose!
Good message... we all need a gut check from time to time.
The way you explain and your topics are truly a great way to understand for a beginner like me
I believe you have to find a balance, life short enjoy and plan for future!
The lock-down helped me realized how much I wasted on take outs. Now invested that money into my savings and bonds :)
Yea eating out or ordering food is a huge spending category for most people. Props on making changes and investing!
@@GregActonCPA I felt sick how much I wasted on take out! Lesson learned!
amazing. I love your videos. This will keep me in check. Thank you Rose!
It is so easy to fall into the lifestyle creep, I’m glad you are shedding light on this! I think we do pretty good but there are always areas for improvement. I think my biggest lifestyle creep lately has been with food prep but was needing to balance burn out with all the chores needing to be done. So yes I would pay more for cut veggies.
LOVE LOVE LIVE the hair btw!!!
I am 39 and yes, definitely guilty of being a lifestyle creep! I shop whenever I want bought a luxury car but to my credit my car and debt will be paid off this year so perhaps I can save more than I’ve been saving 😉
LOVE your hair btw 🔥😍💁🏻♀️💃
Great content again, thanks.
The pandemic lockdown in the UK has cast lifestyle creep into sharp focus with many shops being closed after being labelled as "non essential". I wonder if they will ever again become essential once the economy is fully reopened? I suspect for many they will not.
Great video. I will start a new role with a higher pay. I do not intend to spend anymore than before. Great video. Lifestyle creep is a huge factor in growing wealth. Thank for speaking more about it
As someone who used to chop produce and make those prepackaged veggie kits and fruit tubs for a grocery store, trust me - buy your produce whole and prep it at home. We were too busy to wash the produce before we cut it up. ALWAYS wash your produce when you take it home!!!
🤢 I quit buying these things years ago because I alway worried about that.
Thank you for the heads up 👍👍
This needs to go up up up 👆
Ew!!
love the hair :)
Thank u for this video Rose we appreciate u so much! ♥️
Great overview! The topic of travel hit home for sure. I got used to the benefits of premium credit cards, such as lounge access. Since I don't want to give this up completely, I have been able to negotiate discounts or receive extra points that I can put towards travel later on. Although I have thought about cancelling it and just paying for access on a one off basis if I really want it. Serious first world problems, but I thought I'd share in case anyone has also thought about this. Another big area of spending for me are monthly subscriptions. I think I will cancel audible as well since I have accumulated a decent library of audiobooks that I still need to work through. Thanks for the tips!
You are Sooooo Korean, girl! I got this attitude about money from my parents too. They never spent money on stuff like North Americans even though they had pretty decent income. Im in Toronto Canada. Here people are also crazy about big houses and fancy cars. I'm living in a small studio in midtown with my partner saving half my income. Well, I'm in my 40s, we are late immigrants. We think if we knew this in our 20s, by the time now we would've been multi-millianaire. Life lesson is tough thing.
PSA: don't get audible, GET LIBBY. It's just the public library but all online. like she said, free audiobooks
some of the books are on a waitlist but its something to look forward to. I love it
Libby and hoopla!
YESSS 100%
How could books be on a wait list of they're audio?
@@cristiansmistad1823 yes, could be weeks of wait, but theres so many other books in the mean time.
@@cristiansmistad1823 Libraries in Libby only have a certain number of files of the audiobook.
I am unable to pulverize my own kidney stones. LOL, love your videos. I actually bought a foot scrapper on Amazon and what a game changer that is. NO more frequent pedis.
Thank you for the video. As regards prepackaged food it is also very environmentally unfriendly - they always package veggies in a lot of plastic. extra minute to cut veggies generally help to save planet and money :)
Buying each song has to be more expensive than Spotify. But yeah, sharing family subscriptions is the way to go.
30’s is like the most beautiful time to spend money though 🤍🤍🤍 I mma just retire later
I've cut out a lot of items on your list but another big one for me was better planning my meals for the week so I only buy at the grocery what I'm actually going to eat in a week. I used to shop with no plan, just picking up stuff here and there and would end up throwing out a lot of the fruit, produce, baked goods or prepared food that I didn't eat in time.
I am so glad that I randomly find your UA-cam channel I’m so happy. subscriber forever
@Invest wíth Rose what kind
Lululemon adds new items to their sale every Thursday!!! So you don’t have to spend $100 on leggings 🤪
Shop at Aldi instead of Whole Foods. Great selection of organic foods for a fraction of the costs. Really worth exploring!
Wish there was an Aldis near me! Heard so much about this legendary place
@@itsrosehan There's the trendy Trader Joe's which is still cheaper than Whole Foods. :)
you are my newest favorite youtuber, great contents on your videos
love your content
I live minimal as much as i can. it made a hug difference in my bank
I am doing the same thing
Thank you for these friendly reminders. I have been off track for months. 😒 #2 especially 😅 But! I am working on turning it around. 💪
I'm with you girl! It's a constant journey of adjusting and trying to be self-aware... and most importantly, not judging yourself when you get off track!
Really love your content I’m watching you everyday
Great content! So realistic to consider all these things. Not how much you make, but how much you can keep.
Stock market is the future, investing in it now will be the wisest thing to do!!
Yeah it's really profitable,I can testify to that.
How does this whole thing work,I'm really interested in it. I'm willing and ready to invest heavily in it,I'm gonna need an assistant from any trusted and productive professional!!
@@juliusserruya7563 you don't really need someone to tell you how to trade, you just have to do it yourself.
@@juliusserruya7563 I will recommend you to Alica Bransford her strategy is really helping me at the moment she's indeed a lucrative and reliable broker.
@@henriquejorge2362 thanks, the sort of info I need, I'm definitely getting in touch with this expert to assist me as well.
Great video! I have definitely fell in to this loop. But my husband and I started cutting our budget every week. I started working out with the personal trainer and it's expensive but it's for the future investment. I want to learn how to work out properly so I don't have to pay for the gym and be able to workout at home in the future. Also I have somethings that I started paying others to do for me that I should get back doing it myself. Thank you for your great advice! Can't wait to partially retire in 10 years~ :)
Love every single of your video. Save me big time. Thanks Rose
Convenience and subscriptions are such millennial lifestyle creep areas! Those aren't my weaknesses though. Mine are housing, fashion/beauty, and now furniture/home decor. Beauty and comfort are so important to me. But in comparison, I make well into the 6 figures and have never had a cleaning lady, and have never bought precut produce for myself. It's interesting what areas people have preferential creep in!
So true - everyone is so different!
So true house and landscaping 😬😬😬
Things that creep, definitely designer pieces of clothing that I’ve never had, splurges of Jimmy Choo and Louboutin heels that I’ll wear once in a blue moon. Thank you for all these real unconscious unnecessary spending advice. Also of the refugee generation (not first generation, my kids are) and just learning about financially literacy in my 40s. Made tons of mistakes in 20s and 30s. Now no debt - living simply, saving, learning how to invest (with yours and some other you tubers). Travel is cheap because spouse and I hike so we don’t eat out much, wear the same clothes every trip basically, stay in cheap but safe and clean hotels because we just sleep, use CC for miles to fly.
16:24 will be added to my financial dashboard and my daily reminders in my planner! 💚
Amazing video, again! Please consider making one about real estate, owning vs renting! Thank you:)
I also look at what I'm saving time to do instead. Sometimes doing those little mindless chores like chopping vegetables or cooking dinner yourself are actually relaxing and give you time to slow down.
This video couldn't have come at a better time... I was literally thinking about ordering food on doordash xD I love food so much but I need to keep chopping my veggies. Thanks for the reminder Rose!
Im about to go drive for doordash lol.
yep and save money along the way for better investment
A little too late on the new vehicle Rose 🙄 but I love it & don't regret it. I also increased my stock portfolio & cash flow to get my new vehicle. I do agree with all the trips you gave. 👍
Keeping it real, I love it 💜
Just discovered your channel, love your videos and content! This one is what everyone needs to hear!!
When I got my first “real” job I setup my direct deposit to put my current monthly expenses into my checking and anything extra into my savings. This way anytime I get a raise it automatically goes to my savings and I don’t even see it. Makes a big difference and keeps me honest.
That's actually brilliant.
I love this idea! thanks for sharing
When you were saying your subscriptions, I was😲, but I get it it can creep up on you. Things I got to watch out for, I like good quality food and will not compromise on that. I feel like healthy organic food is an investment for my health in the long term. I also like fashion, but still pick up things on sale. Also, I got to be careful with getting my hair done.
omg that $65 oil change...you're absolutely right
I’ve adopted this year the minimalist mindset that I’ve applied to my shopping habits as well. I ask myself several times: Do I really need this item? Often time, I don’t but sometimes I cave in anyway😅 still working on it.
Yes! I now let things sit in my online shopping cart for at least 3 days and when I see it again I usually decide I don't need it
Came for the spending tips, stayed for the hair style 😏... your videos are awesome as always, thanks!
Loved the tips Rose!
Amazing video that I needed to hear 👏
The only thing I can think of is getting a internet connection. But I'll doubt I'll be doing anything more then I do now. I still buy my groceries in Chinatown for produce anyways. It's so much cheaper then the super markets. Beef is the only thing I buy from the super markets along with Ice cream and snacks. But I usually only stock up with a 2 week supply and try to stretch it out. I don't really buy new clothes only if they start falling apart. So I really watch what I spend, my fear is ending up like my parents who only believed in the old way of thinking that saving up money would make a person successful but the world has changed and that way of thinking doesn't work anymore. BTW like the hair.