Thank you so much for an amazing year! 🎉🎉❤❤ I love you all!! And tell me, what have you stopped buying that you don’t miss? Or what do you PLAN to stop buying?
I added a personal trainer to my budget in September. A long term big budget item. I have osteoporosis and am not willing to risk it side effects from the medication that my aunt experienced. I need a coach to keep my form on point and keep me from injuring myself.
I agree with this but I also feel like in my 40s I've actually worked on kinda "being" my fantasy self more...like I used to have bohemian inspired dresses I never wore because when would I? Now I swap those out for shorts and tees in the summer, and actually go out to a 70s bar with friends where the dresses work and don't seem like too much after all. So fun!
i stopped getting monthly manicures at a salon last summer. for years i was convinced i can't shape my own nails, however all it took was getting a decent pair of clippers. this will save me 120 euro a year which might not seem that much money, however this amount is approximately how much i spend on a weekend staycation in my favourite city by the sea so i'm more than happy to use the money to get a break i will actually appreciate
Yes!!! I learned from another UA-camr that u can use regular nail polish color on your nails, put a clear gel topcoat over the regular colored nail polish & cure it w/a UV lamp. If you’re careful, your nail polish will last longer & bc u used a gel top coat, it stays shiny & doesn’t fade after a couple of days. This technique also strengthens your nails too bc u can take the colored nail polish & the gel topcoat off w/regular nail polish remover. Another tip is to order a glass nail file off of Amazon for like $12. I absolutely love mine & u get such a nicer smoother filed nail. I hope this helps.
I hadn’t been in an H&M or Zara for years and just went over the holidays. I was shocked at the horrible fabrics, poor fit and bad construction. Ive worked in the fashion industry for almost 20 years and it still shocked me! I want to teach more people how to do simple mends like sewing on buttons and hemming, or fixing a little rip. Continue to fall in love with the clothes you already have is my 2024 philosophy!
When there's a sale on clothes I've started asking myself "would I buy this if it was full price?" that's really helped me realize that I would buy clothes because they were on sale/cheap not because I actually liked the piece of clothing. As a plus size woman it's hard not to have the scarcity mindset with clothes (there's only 2 stores in all of Ottawa that carry my size), but I'm trying to change that and play with pieces in my closet. In the summer I bought a swim pass from the city and while I initially was worried about how much it was, it has been 100% worth it. Swimming is my favourite form of exercise and I can't believe I made myself go to the gym when I absolutely hated it 😅
Swimming is great! But be careful. It's not a weight bearing exercise so won't help with bone density. It's very important for women to do some weight lifting to make our bones strong because post menopause our bones can become weak very easily
Thinking in general about what can be minimized for betterment is a great task every year. I recently got a new phone plan, reduced cable which saves me $$$ a month. I purchased less than 30 clothing items in 2023 (mostly secondhand) and have minimal beauty/skincare additions. It’s not just less money, it’s less time to manage. My time is valuable, maybe even more valuable than money.
Fewer makeup and skincare products-definitely! I have found that the more junk you plaster on your face every day, the more problems you have to try to cover up later. My daily routine is nothing more than brow pencil, mascara and a dab of blush on my cheekbones and a swipe of lip gloss! The natural look. And people never think I’m as old as I am. Foundation, etc. clogs my pores and makes me break out. Then you have to cover it with more…It’s a vicious cycle.
The thing that a lot of people forget is the concept of value. Not monetary value but value to your life. Personal finance is not about not spending any money is about spending it mindfully in things that actually bring value to your life. And I think this is one of the ways we’ll beat consumerism. We’re not money making machines that live to feed even bigger machines. The world shouldn’t be a pyramid scheme.
I find the same issue with alcohol, I was wondering if it was just me! Drinks are really expensive where I live and I don't miss cutting a $20 cocktail from my dinner bill.
Eating out....we always say to each other, "How much meat could we have bought with the price of this meal?" We keep our grocery budget very minimal -- meat, dairy, a tiny bit of veg. It makes life so much easier. Eating well can also help with spending on medical issues.
Unlike retailers, where I agree the quality has been declining (more synthetic blends, unlined pants), you've just been getting better. I so appreciate your forthrightness. Being brave and showing up as yourself on your journey is a winning formula.
I also found myself quitting alcohol from one day to the next at the beginning of August. I was just fed up with it - unnecessary money and unnecessary calories. Since then, I've had alcohol twice on "special occasions" and... I wasn't particularly impressed, nor did I miss it. Never thought it would happen to me! 😂
2 types of protein (chicken and type of seafood), 2 types of vegetables (sometimes we get creative here), 2 types of fruits, a starch (usually potatoes since we have many shelf stable options at home to go through), yogurt, and any pantry basics to refill. This is the general formula my boyfriend and I now use, and it allows us enough restrictions that we don't over purchase in a category and still allow us variety from week to week. I still find creative ways to jazz things up further with things we already have on hand.
Love this! Some things for me... 1. Subscription meal kits. This was super convenient when I worked at the office and got home late, but now that I WFH I have more time to cook from scratch since I don't have to commute, and its way cheaper. 2. Clothing for occasions I rarely go to. I used spend way too much on buying fancy dresses or skirts, when I don't really go out that much. And when I do go out I am much more comfortable in casual clothes, so I'd rather try to dress up something casual. Where I want to spend more is jewelry, like investing in a few timeless staples. I own very little jewelry and hope it can help me add some interest to my fairly minimal wardrobe.
I find fast food makes me feel terrible, I think it’s all the sodium in the food. Alcohol really affects my sleep so I don’t drink it anymore. All your tips are terrific 👍🏼
I am similar to you. I haven’t had fast food for years and don’t miss it. I feel yucky after eating it and can’t believe how I lived on fast food as a child-I was an ultra-picky eater. My alcohol tolerance is practically zero. Easy ways to save money for both of us!
I’ve given up pedicures. I live in the south and wear sandals for most of the year but the price kept rising and the quality of the work diminishing. I watched a few videos and learned to give myself a pretty good one.
I have done this also. I read a book called Rescue Your Nails by Ji Baek and it helped a lot. I feel like it was a gamechanger for me and my nails have been so much nicer since.
Pretty much gave up drinking in 2020 and not missed it at all. Charity (thrift) shops are my mini department stores, swopped out to a budget supermarket and use every discount/loyalty scheme that I can find... this means that next year we should be able to move to a 2 bed place in the Scottish Highlands. We're 48 and all we really want to do is travel, see gigs and comedy shows and be "doing" rather than "having." Happy new year, Christina - really loved your channel this year 🎉🎉
My mother an father were so frugal. I grew up like that an at the age of 81 I am still frugal. Under these circumstances I have been able to support myself in my later years. I still will travel around town to save a dime😊 whatever you can do to save money do it. It's a challenge but we'll worth it when you see that extra $adding up.
Love this! One thing I cut was supplements. I realized I don’t need a vitamin/powder for everything. I still use some but have cut it down to what I feel truly works for me.
You’re so right! Unless a supplement is medically prescribed by my doctor I no longer get sucked into the hype. Therefore I only take calcium, Vitamin D and Iron.
I’ve been using high end skincare since I was 16!! People thought that was ridiculous but here I am 45 and look decades younger than my peers. It pays off in the long run.
I wish I'd done this honestly!! No high end stuff for me til I hit 30 but at 47 I'm still pleased with my skin. I credit sunscreen and not smoking or tanning somewhat too though!
I stopped going to a fancy salon and go to Fantastic Sam’s. I found a stylist I like and am getting better cuts than at the fancy salon for a huge savings. I also color my own hair and do not get professional manicures.
I'm going for a low buy year this year. It's my first time but my spending habits are out of control and I really wanna spent my money differently, like for travels etc. So here we go, 2024! 🎉🥳
This year will be my first attempt to a no buy/low buy year when it comes to clothes, shoes & purses. I practically purchased a whole new wardrobe over the last two years. I have the means to make these purchases, but it has become overwhelming and I really want to STOP! I want to learn to embrace what I have and become creative with styling my wardrobe pieces that I already own. Thanks for your inspiration.
I would love to see a video of your morning and evening skincare routine! This would be so helpful for us still spending hundreds and hundreds on each of our skincare items. Please and thank you!
I stopped getting my hair dyed at the salon when my first son was born. I don’t miss it AT ALL! I had myself convinced my hair was mousey or dirty dishwater-y & I HAD to get it balayaged 4x a year. Now I get compliments on my natural hair color all the time.
I stopped buying take away coffee on my way to work. The cost has really snuck up and I can make one in a keep cup at home for a fraction of the cost. Books. I found a great library app that has e books and audio books. It’s changed my life! Manicures. They cost a lot of money and my nails got wrecked.
Love that you're talking about food waste! Together with getting off the trendmill / away from fast fashion, food and reducing food waste is my passion. :) There's nothing wrong with recipe repeating, just as there's nothing wrong with outfit repeating especially if you're eating things you actually enjoy.
I gave up buying lots of stuff and in turn I spent money doing home renovations myself (cheaply). I even just finished painting the entire house for $200 (exterior) whereas the interior cost me a bit more. Proud of my learning to say ‘no’ to things.
I am a creature of habit and pretty much buy the same groceries as well (even if I switch it up here and there-it remains pretty much the same) so you are correct, being wasteful or dreaming of cooking we will never do lol can set us back financially :-) loved this video!
We frequently order water with lemon as our out-to eat meal beverages & make coffee at home or the office. We often will bring lunches from home instead of ordering out Huge money saver there. 😊❤☕☕ Thanks, Christina, for these great tips.
I was always taught to eat at home, meal plan, homemade freezer meals and keep it simple. New and different means clutter and overflowing. The one time I eat out is a rare weekend/ holiday or a rare social occasion.
I'm with you on quitting alcohol! I've been finding the same, and have reduced my consumption to almost nothing (I've had 3 drinks in the past 8 months), and I definitely feel better all around. I'm also glad you mentioned fast fashion retailers and investing in quality and shopping second hand first. Some things I'm spending more money on are bottled salad dressings and take out 🙃 While this is not something I want to keep up long term, our family has had a busy year of building a new house while continuing to work full time and parent, so any short cuts have been worth the spend.
The voice of reason! These are all great, I’ll add - buying coffee take out instead of making your own, not setting a food budget (I am whole food/plant based), hoarding food (over stuffed pantry), I used exercise/relaxation as stimulation (walking, hiking, reading, beach going, tub soaking) as apposed to shopping/buying items
Going plant-based saved me so much money - and I'm so much healthier for it. I have also cut back almost completely on processed/pre-packaged foods and make most of our meals at home.
@@CynthiaDerrick Same here! My meals are centered around fresh fruits and veggies plus tofu, beans and grains. Grocery shopping is a breeze since I don't have to go up & down every aisle for all the packaged and canned items. 🙂
the biggest expense i cut was menstrual products!!! i invested in period undies and can’t believe how much i used to spend on feminine hygiene before them. also paper towels! we use cleaning rags for everything and im shocked more people don’t. i haven’t bought period products or disposable paper products in like 4 years and have saved so much!
Yeah! I invested in reusable pads a couple of years ago. It’S sure nice not having to buy a pack or two of supplies every month or two although it was an upfront investment. I also only used paper towels to sanitize my piano during CoVid when my students were switching…I haven’t used them since. I still have some rolls but they just sit collecting dust in my cleaning storage closet, and I might post them on a buy nothing group. I have a bunch of nice soft microfibre cloths that work great, and wash and dry well too. Little to no wear and I’ve had them years now and use them every week (different ones for counter vs floor for instance) or multiple times a week.
I totally agree I food shop once a week and treat myself to a lunch at a quality restaurant only once a month that way the food is better quality and not Pay full price. I shop a sale if I need a specific items like a belt for example after I damaged the thrifted leopard belt I tried before spending full price. Updating under garments on a yearly sale makes sense for quality items. No more random 4 dollar Starbucks. I buy a bag of whole bean coffee at Starbucks sale and freeze the bag to keep it fresh daily. They grind it for you. I save alot alot of money by replacing things I use daily and skip zara and h&m sales. I will thrift a trend I want to try and donate it if it doesn't work out. I save on car washes by keep the inside clean and wiped down and only go once a month. No more nail shop every 2 weeks once a month manicure pedicure. Saved alot. Now if I could just stop buying handbags I donated 5 but bought 3 more on sale but doesn't everyone need a leather coach bag? I didn't have one at all but it was half off of 495. 😊
Maybe bags are your money dial! It’s totally about spending where you see value guilt free and cutting mercilessly where you don’t. Meeting your financial needs (living, saving, investing, debts) and then allocating funds to what brings you joy! 🎉❤
Painting my nails while watching your video's, my ultimate comfort-channel here on UA-cam🙏 Thank you so much for all the content this year, wish you all the best for 2024!❤️
I'm with you on the alcohol. Any more, just one drink makes me feel terrible the next day, anxious and depressed. So I now abstain, and my budget thanks me.
Thank you for this video! I totally agree about alcohol - whatever they say about "quality" beverages, like fancy wines or single-malt whiskeys, alcohol is still just a poisoning substance for a human body and brain! And thanks again for reminding me to declutter my makeup box, certainly quite a lot of things there are expired already, not being used more than a couple of times...
Happy New Year! Thanks for your great content in 2024. I agree 100% with buying skin products that work vs. assuming expensive skin care products are better. The best overall skin care is consistently wearing sunscreen.
One of the biggest things I’m going to do this year is to stop watching haul videos as well as stop going to the stores. My clothes shopping has been out of control but I’m fine if I don’t see it. If I see it, I cant stop thinking about it until I buy. Perhaps that’s a bigger problem..😮 I love watching UA-cam videos so I’ll replace the hauls with videos like this as well as healthy eating and exercise. Thankyou so much for the inspiration. Happy New Year! 🎉
Most of these, I'm right there with you. Except food. We spend A LOT on food, and would gladly cut back in 100 other places before changing how we eat. And when I say we spend on food, I mean food for the house, not take out or restaurants. Food is what I live for, and it brings me a ridiculous amount of joy.
I do love to try out new recipes (and like the challenge of using up odds and ends of ingredients) but I have a trick for keeping my grocery budget under control. I have a large chalkboard, which a local school was throwing out, where I write down EVERY SINGLE recipe I can make with what I currently have in the house. Even obvious things like tapioca pudding, pancakes, etc. That way, I don't feel tempted to go to the store yet when I can still put together tons of breakfast options, baked goods, dinners, and sweet treats. When I go shopping, I first write down the names of all the recipes I'm making in the coming week, with what I need to buy for each listed underneath. As soon as I get home from the store, I transfer the names of all those recipes straight to the Menu Board. So it stays up to date. This little routine helps keep me from always thinking I need to go shopping because I'm out of food!
Your list is very similar to mine. I've cut out cable tv and travel souvenirs. In 2024, I plan to reduce takeout/delivery, reduce coffee shop purchases by making it at home, stop buying smoothies and make those at home, and purchase no more than 20 pieces for my wardrobe. I'm more focused on reducing quantity, versus quality and cost. Looking forward to your content and new inspiration next year!♥
Thanks for the great list! When it comes to clothes, I don't have a defined wishlist per se, but while I'm looking at an item at the store, I check out my Pinterest boards. one is a capsule wardrobe inspiration board with outfits I can make with items I already have, and the other is more of a wish/desire board for inspiration. If I don't see the item reoccurring in my wish/desire board and it wouldn't fit into my capsule board, then I won't buy it.
I love this! I also use my Pinterest style board a lot to determine what I should or shouldn't bother adding to my wardrobe. Another good rule of thumb for me especially when thrift shopping is asking myself "Will I be excited to wear this in the next week?" or if it's an off season piece "Will this be top of mind when summer comes?" and sometimes the answer is a big yes so I know it's worth the buy.
I have been working a retail job since the week before Black Friday and now only have five shifts left! I wasn’t supposed to be seasonal, in fact I was the full time assistant manager, but being the one whose job it was to convince people to buy more became so heavy because of my personal preferences around spending. I also started shopping more just because the employee discount on top of clearance was so good. Turns out I’m not a retail girly. My time budget is changing from working this job to finally expressing my creativity and submitting musical compositions to publishers. That, and I’m pregnant, so I’d much rather spend money on diapers than shoes I’ll wear twice!
I've stopped shopping at Zara, H&M and low quality chain stores. Saving a ton and focusing on quality pieces I can have for many years instead. Much happier!
Thank you for a year of amazing content, Christina! I also gave up alcohol, after learning that even that "one glass of red wine a day" is NOT healthy for you and could even increase your risk of heart attack and breast cancer. I don't miss it at all! 😊 All the best in 2024 and I look forward to your future videos! ❤
Great video! I chunk of my monthly budget goes to my horseback riding lessons. It’s an expensive hobby, but I get SO much out of it. Worth every penny to me😍
Great tips! I am definitely guilty of the “buying groceries for a new recipe I won’t make” dilemma! Thanks for making me mindful of that as we’ll head into 2024. One way I have been saving has been to quit paying for a gym membership and working out at home. It’s much more convenient and there are so many options out there now.
My plan is to stop shopping for clothes for myself and instead get the two dresses on my wishlist from a thrift store this year. My money is going towards furnishing my apartment and things my babies need.
With regards to take aways/delivery foods: some of the delivery apps offer a discount on quiet weeknights, so picking a Tuesday as your "no cook treat" day can save you more money
Great video! I will be doing my first low to no buy year in 2024. I don't need more clothes, household items or art supplies. I eat a simple plant-based diet with home cooked meals and rarely buy take-out. I don't buy beverages. Water is good enough and preferred. I just canceled my PO box rental. I'm sure there are more ways to cut out additional spending. My extra dollars will go toward travel and other fun experiences.
YES to not getting sucked into food blogs & recreating recipes every week! 🍲 I'm much happier now I've found a recipe book that uses the same base spices for many of the dishes, because of that simplicity my meals have become much more automatic & less stressful.
I hardly ever drank anyway but when I do my right arm aches so I don’t at all now. The issues I have is finding hobbies that keep me off the internet/social media and seeing all the stuff I need going to have to work on it
I became allergic to alcohol a few years ago, and generally my life is better without it. Hopefully you will also find other things which suit you better.
I really like this, I find that I cook all sorts of different foods throughout the week however I stick to 3 major cuisines...Caribbean, Italian and Korean/Chinese and the less-complicated Nigerian dishes. SO all my spices I have usually cover all these cuisines and I find myself using them A LOT and never having to buy other spices and herbs and fresh ingredients. Knowing this has helped me so much because I used to want to cook every cuisine in the world and waste so many ingredients because of it.
Thrift is how I shop if I have to buy new I do buy quality u helped me clean my closet thank u for sharing Luv the comments I even take advice from them😊
I just try to get everything I really like and need second hand. From clothing to furniture... and it works! I get the best quality for almost nothing and it satisfies me so much 😂
thank you, im not crazy, clothing in stores these days are more n more crap than they ever been. my mom is a taylor and she notices the same thing. its so incredibly frustrating. i try to buy from good companies that i can only really find online so i have to go clothes shopping online unfortunately, which is also frustrating. but then that makes me lean more into minimalism for a very good reason.
oh man, the thing about groceries and recipes really hits home. Recipe expenses can be completely out of control if i'm not paying attention. Our college-aged sons love to cook and they are great at budgeting--one of them suggested to me that our meal plan can just be eating the same things many days of the week. Dining out is insane now. We've taken that out. My husband and I love going out on dates, but we can cook and enjoy at home. Really good idea about the sample sized makeup when we need something specific! love that. Have been enjoying your channel very much as we navigate building up better habits and, as a result, building our savings.
I am not buying anymore makeup unless I run out of something. I already know what shades work with my skin and I certainly don't need 10 versions of the same lipstick/blush/eyeshadow!!
I like your fashion content but I’m thrilled to see financial content like this from the good ole days. Perhaps more of these videos in the New Year for those of us trying to get our finances together in 2024? 😅
Alcohol. Don’t miss it at all. A conscious choice to quit, because it didn’t add to my quality of life. Better sleep, no anxiety and feeling terrible next day even after one drink. I don’t explain anything to anyone, just order sparkling water with lemon/lime. No judgement on people who enjoy it, because it’s such a social thing. I also significantly reduced coffee. I don’t buy it to go. Enjoy occasional cuppa with a friend at a nice coffee shop. Love your videos! Thank you!
Thanks for the great content in 2023! Midway through the year I quit buying books, even e-books. I now utilize the local library, where books are download for free. This also provides practice in patience as I wait for a particular book to become available. Now, I need to minimize clothing purchases (my nemesis!).
Happy new year and thanks always for your videos! I'm actually open to spending more on shoes at this point in my life. I want to walk more for health and look put together, and I've been compromising on one or the other for far too long. Trying to spend less on snacks and hobbies, I have enough supplies at home and the small expenditures really build up. I would much rather spend that money somewhere else.
I love coffee, but am perfectly capable of making it wonderfully for myself at home! I have 3 or so favorite types of coffee and 2 ways to brew it: cold brew (super easy) and drip into a filter cone. French press way is also easy! I just don't buy any when I'm out and save quite a lot across a month.
I am the same way. I get coffee out only when it's something special like catching up with an old friend or when traveling. I know for me, like many people, it can be tempting to grab a coffee "as a treat" in the afternoon when I'm working but I find having a selection of hot teas and coffee options on hand at the office is just as good and so cheap.
Agree with everything you said except for food/groceries. My husband and I are serious foodies that like a ton of variety, and we find cooking fancy meals at home save a ton of money compared to eating out at nice restaurants!
I agree with every item on your list. I stick to buying basic foods and use spices to vary them. I don't buy obscure spices because I found I use them once and toss them a year later. Alcohol makes me feel awful and I've never been a big drinker. perhaps it's a reaction to medication I'm taking but either way I've given up the occasional drink. This is a great video! I enjoy watching you.
I spent less on specialty groceries, makeup/skin care, take out too!🙌. I spend more on taking small trips with my family, having a life coach and giving to others. Love your videos!
#1 🙌 so underrated as a budget cut/improvement, as well as lifestyle simplification! I live alone - so I eat variations of the same thing too, and then switch it up for a while when I feel like it, and I have little to no food waste while still enjoying my meals! But as for things I spend MORE money on now that I'm loving : that is BOOKS!
I do like your financial videos. Especially as you dug yourself out of a hole and have learned to budget. This will be my goal for w024. I waste so much money on clothes and groceries! These two area really need some work. Thanks for your inspiration!
These are such helpful ideas and the older I get the more I try to be mindful about how I spend my money. I'm pretty conservative by nature but I can easily get pulled into a "bargain" on something I really don't need. I have also stopped buying expensive skincare, manicures and luxury makeup. I spend more on travel and I do love niche fragrances so I try to be selective. I'm always fascinated by hearing what people choose to buy or not buy. Happy New Year!
Happy holidays, everyone and be safe out there. I love your videos. Its truly has helped me out in my wardrobe as well as makeup so thank you again for your tips and your honesty. I really do appreciate it.❤❤
Happy New Year! I’m definitely like you about the cell phones, I have zero desire to spend more on a new one when the current will last far more than 2 years. I love your idea about take out only on the weekends, I may try that!
Thank you so much for an amazing year! 🎉🎉❤❤ I love you all!! And tell me, what have you stopped buying that you don’t miss? Or what do you PLAN to stop buying?
I added a personal trainer to my budget in September. A long term big budget item. I have osteoporosis and am not willing to risk it side effects from the medication that my aunt experienced. I need a coach to keep my form on point and keep me from injuring myself.
I don’t shop for my fantasy self anymore! 😂❤ my real self is enough to focus on
I agree with this but I also feel like in my 40s I've actually worked on kinda "being" my fantasy self more...like I used to have bohemian inspired dresses I never wore because when would I? Now I swap those out for shorts and tees in the summer, and actually go out to a 70s bar with friends where the dresses work and don't seem like too much after all. So fun!
i stopped getting monthly manicures at a salon last summer. for years i was convinced i can't shape my own nails, however all it took was getting a decent pair of clippers. this will save me 120 euro a year which might not seem that much money, however this amount is approximately how much i spend on a weekend staycation in my favourite city by the sea so i'm more than happy to use the money to get a break i will actually appreciate
That’s awesome! I’m a nail biter so manis have helped me stop. Hope to get to your level one day haha 😅 💅🏻
Great idea!
I did the same thing this spring, bought an UV led nail lamp and gel nail polishes and for a year that save me at least 300 euros🎉
Yes!!! I learned from another UA-camr that u can use regular nail polish color on your nails, put a clear gel topcoat over the regular colored nail polish & cure it w/a UV lamp. If you’re careful, your nail polish will last longer & bc u used a gel top coat, it stays shiny & doesn’t fade after a couple of days. This technique also strengthens your nails too bc u can take the colored nail polish & the gel topcoat off w/regular nail polish remover. Another tip is to order a glass nail file off of Amazon for like $12. I absolutely love mine & u get such a nicer smoother filed nail. I hope this helps.
I just started getting mani's last year! Nope, that's my treat myself special me time haha
I hadn’t been in an H&M or Zara for years and just went over the holidays. I was shocked at the horrible fabrics, poor fit and bad construction. Ive worked in the fashion industry for almost 20 years and it still shocked me!
I want to teach more people how to do simple mends like sewing on buttons and hemming, or fixing a little rip. Continue to fall in love with the clothes you already have is my 2024 philosophy!
When there's a sale on clothes I've started asking myself "would I buy this if it was full price?" that's really helped me realize that I would buy clothes because they were on sale/cheap not because I actually liked the piece of clothing. As a plus size woman it's hard not to have the scarcity mindset with clothes (there's only 2 stores in all of Ottawa that carry my size), but I'm trying to change that and play with pieces in my closet.
In the summer I bought a swim pass from the city and while I initially was worried about how much it was, it has been 100% worth it. Swimming is my favourite form of exercise and I can't believe I made myself go to the gym when I absolutely hated it 😅
Go over to Kathy over 50. She's plus size and Canadian and has some great places to shop..online for the most part
She's wearing a very expensive Sezane cardigan, $170.😮
This is a great one. It helps when you're decluttering to ask "would I buy this today if I didn't own it?"
Swimming is great! But be careful. It's not a weight bearing exercise so won't help with bone density. It's very important for women to do some weight lifting to make our bones strong because post menopause our bones can become weak very easily
The quality of your content has been so amazing this year! I always look forward to your videos. Great tips!
Thinking in general about what can be minimized for betterment is a great task every year. I recently got a new phone plan, reduced cable which saves me $$$ a month. I purchased less than 30 clothing items in 2023 (mostly secondhand) and have minimal beauty/skincare additions. It’s not just less money, it’s less time to manage. My time is valuable, maybe even more valuable than money.
Fewer makeup and skincare products-definitely! I have found that the more junk you plaster on your face every day, the more problems you have to try to cover up later. My daily routine is nothing more than brow pencil, mascara and a dab of blush on my cheekbones and a swipe of lip gloss! The natural look. And people never think I’m as old as I am. Foundation, etc. clogs my pores and makes me break out. Then you have to cover it with more…It’s a vicious cycle.
The thing that a lot of people forget is the concept of value. Not monetary value but value to your life. Personal finance is not about not spending any money is about spending it mindfully in things that actually bring value to your life. And I think this is one of the ways we’ll beat consumerism. We’re not money making machines that live to feed even bigger machines. The world shouldn’t be a pyramid scheme.
I find the same issue with alcohol, I was wondering if it was just me! Drinks are really expensive where I live and I don't miss cutting a $20 cocktail from my dinner bill.
Same!
Not to mention how bad it is for our bodies! I recommend Huberman Lab’s YT video on what alcohol does to the body :)
plus our skin benefits and overall we look better!
I have the same. There actually is a thing called alcohol intolerance!
Eating out....we always say to each other, "How much meat could we have bought with the price of this meal?" We keep our grocery budget very minimal -- meat, dairy, a tiny bit of veg. It makes life so much easier. Eating well can also help with spending on medical issues.
Unlike retailers, where I agree the quality has been declining (more synthetic blends, unlined pants), you've just been getting better. I so appreciate your forthrightness. Being brave and showing up as yourself on your journey is a winning formula.
And unlined coats!
I also found myself quitting alcohol from one day to the next at the beginning of August. I was just fed up with it - unnecessary money and unnecessary calories. Since then, I've had alcohol twice on "special occasions" and... I wasn't particularly impressed, nor did I miss it. Never thought it would happen to me! 😂
Me either!
2 types of protein (chicken and type of seafood), 2 types of vegetables (sometimes we get creative here), 2 types of fruits, a starch (usually potatoes since we have many shelf stable options at home to go through), yogurt, and any pantry basics to refill. This is the general formula my boyfriend and I now use, and it allows us enough restrictions that we don't over purchase in a category and still allow us variety from week to week. I still find creative ways to jazz things up further with things we already have on hand.
Love this! Some things for me...
1. Subscription meal kits. This was super convenient when I worked at the office and got home late, but now that I WFH I have more time to cook from scratch since I don't have to commute, and its way cheaper.
2. Clothing for occasions I rarely go to. I used spend way too much on buying fancy dresses or skirts, when I don't really go out that much. And when I do go out I am much more comfortable in casual clothes, so I'd rather try to dress up something casual.
Where I want to spend more is jewelry, like investing in a few timeless staples. I own very little jewelry and hope it can help me add some interest to my fairly minimal wardrobe.
I find fast food makes me feel terrible, I think it’s all the sodium in the food. Alcohol really affects my sleep so I don’t drink it anymore. All your tips are terrific 👍🏼
I am similar to you. I haven’t had fast food for years and don’t miss it. I feel yucky after eating it and can’t believe how I lived on fast food as a child-I was an ultra-picky eater. My alcohol tolerance is practically zero. Easy ways to save money for both of us!
I’ve given up pedicures. I live in the south and wear sandals for most of the year but the price kept rising and the quality of the work diminishing. I watched a few videos and learned to give myself a pretty good one.
I have done this also. I read a book called Rescue Your Nails by Ji Baek and it helped a lot. I feel like it was a gamechanger for me and my nails have been so much nicer since.
Can you recommend the vids?
Pretty much gave up drinking in 2020 and not missed it at all. Charity (thrift) shops are my mini department stores, swopped out to a budget supermarket and use every discount/loyalty scheme that I can find... this means that next year we should be able to move to a 2 bed place in the Scottish Highlands. We're 48 and all we really want to do is travel, see gigs and comedy shows and be "doing" rather than "having." Happy new year, Christina - really loved your channel this year 🎉🎉
My mother an father were so frugal. I grew up like that an at the age of 81 I am still frugal. Under these circumstances I have been able to support myself in my later years. I still will travel around town to save a dime😊 whatever you can do to save money do it. It's a challenge but we'll worth it when you see that extra $adding up.
I love that attitude and how well it has served over the generations!
Love this! One thing I cut was supplements. I realized I don’t need a vitamin/powder for everything. I still use some but have cut it down to what I feel truly works for me.
Same! I just take AG1, vitamin D and magnesium!
You’re so right! Unless a supplement is medically prescribed by my doctor I no longer get sucked into the hype. Therefore I only take calcium, Vitamin D and Iron.
I’ve been using high end skincare since I was 16!! People thought that was ridiculous but here I am 45 and look decades younger than my peers. It pays off in the long run.
I wish I'd done this honestly!! No high end stuff for me til I hit 30 but at 47 I'm still pleased with my skin. I credit sunscreen and not smoking or tanning somewhat too though!
I stopped going to a fancy salon and go to Fantastic Sam’s. I found a stylist I like and am getting better cuts than at the fancy salon for a huge savings. I also color my own hair and do not get professional manicures.
I'm going for a low buy year this year. It's my first time but my spending habits are out of control and I really wanna spent my money differently, like for travels etc. So here we go, 2024! 🎉🥳
Shout to feeling like crap after a single drink. I often feel its just me so thanks for sharing that. x
This year will be my first attempt to a no buy/low buy year when it comes to clothes, shoes & purses. I practically purchased a whole new wardrobe over the last two years. I have the means to make these purchases, but it has become overwhelming and I really want to STOP! I want to learn to embrace what I have and become creative with styling my wardrobe pieces that I already own. Thanks for your inspiration.
Same here! Best of luck!
Love the editing on this video! I've cut out spending on trips to the salon. I no longer get my nails done and I cut my own hair.
I feel like I save a lot of money on this too. I get a facial every couple of years or a mani and pedi but more as a special treat only.
I would love to see a video of your morning and evening skincare routine! This would be so helpful for us still spending hundreds and hundreds on each of our skincare items. Please and thank you!
You got it!
Yes please! Will you also do a video on your favorite current makeup? Esp what you are wearing in your latest shorts video posted just a few days ago?
@@andreahanson3366 can do!
I stopped getting my hair dyed at the salon when my first son was born. I don’t miss it AT ALL! I had myself convinced my hair was mousey or dirty dishwater-y & I HAD to get it balayaged 4x a year. Now I get compliments on my natural hair color all the time.
I stopped buying take away coffee on my way to work. The cost has really snuck up and I can make one in a keep cup at home for a fraction of the cost.
Books. I found a great library app that has e books and audio books. It’s changed my life!
Manicures. They cost a lot of money and my nails got wrecked.
Love that you're talking about food waste! Together with getting off the trendmill / away from fast fashion, food and reducing food waste is my passion. :) There's nothing wrong with recipe repeating, just as there's nothing wrong with outfit repeating especially if you're eating things you actually enjoy.
I gave up buying lots of stuff and in turn I spent money doing home renovations myself (cheaply). I even just finished painting the entire house for $200 (exterior) whereas the interior cost me a bit more. Proud of my learning to say ‘no’ to things.
I am a creature of habit and pretty much buy the same groceries as well (even if I switch it up here and there-it remains pretty much the same) so you are correct, being wasteful or dreaming of cooking we will never do lol can set us back financially :-) loved this video!
We frequently order water with lemon as our out-to eat meal beverages & make coffee at home or the office. We often will bring lunches from home instead of ordering out Huge money saver there. 😊❤☕☕ Thanks, Christina, for these great tips.
I was always taught to eat at home, meal plan, homemade freezer meals and keep it simple. New and different means clutter and overflowing. The one time I eat out is a rare weekend/ holiday or a rare social occasion.
I'm with you on quitting alcohol! I've been finding the same, and have reduced my consumption to almost nothing (I've had 3 drinks in the past 8 months), and I definitely feel better all around. I'm also glad you mentioned fast fashion retailers and investing in quality and shopping second hand first. Some things I'm spending more money on are bottled salad dressings and take out 🙃 While this is not something I want to keep up long term, our family has had a busy year of building a new house while continuing to work full time and parent, so any short cuts have been worth the spend.
The voice of reason!
These are all great, I’ll add - buying coffee take out instead of making your own, not setting a food budget (I am whole food/plant based), hoarding food (over stuffed pantry), I used exercise/relaxation as stimulation (walking, hiking, reading, beach going, tub soaking) as apposed to shopping/buying items
Love it! I plan to pour more time into fitness during my No Buy Jan so this is great! ❤
Going plant-based saved me so much money - and I'm so much healthier for it. I have also cut back almost completely on processed/pre-packaged foods and make most of our meals at home.
@@CynthiaDerrick Same here! My meals are centered around fresh fruits and veggies plus tofu, beans and grains. Grocery shopping is a breeze since I don't have to go up & down every aisle for all the packaged and canned items. 🙂
the biggest expense i cut was menstrual products!!! i invested in period undies and can’t believe how much i used to spend on feminine hygiene before them. also paper towels! we use cleaning rags for everything and im shocked more people don’t. i haven’t bought period products or disposable paper products in like 4 years and have saved so much!
Yeah! I invested in reusable pads a couple of years ago. It’S sure nice not having to buy a pack or two of supplies every month or two although it was an upfront investment. I also only used paper towels to sanitize my piano during CoVid when my students were switching…I haven’t used them since. I still have some rolls but they just sit collecting dust in my cleaning storage closet, and I might post them on a buy nothing group. I have a bunch of nice soft microfibre cloths that work great, and wash and dry well too. Little to no wear and I’ve had them years now and use them every week (different ones for counter vs floor for instance) or multiple times a week.
I felt very lonely this morning, so I was happy to see there was a video from you. Thank you Christina and a very happy new year!🎊🎈
@@katem3961 it's so sweet of you, Kate! Happy new year to you too!
I totally agree I food shop once a week and treat myself to a lunch at a quality restaurant only once a month that way the food is better quality and not Pay full price.
I shop a sale if I need a specific items like a belt for example after I damaged the thrifted leopard belt I tried before spending full price.
Updating under garments on a yearly sale makes sense for quality items.
No more random 4 dollar Starbucks. I buy a bag of whole bean coffee at Starbucks sale and freeze the bag to keep it fresh daily. They grind it for you.
I save alot alot of money by replacing things I use daily and skip zara and h&m sales.
I will thrift a trend I want to try and donate it if it doesn't work out.
I save on car washes by keep the inside clean and wiped down and only go once a month.
No more nail shop every 2 weeks once a month manicure pedicure. Saved alot.
Now if I could just stop buying handbags I donated 5 but bought 3 more on sale but doesn't everyone need a leather coach bag? I didn't have one at all but it was half off of 495. 😊
Maybe bags are your money dial! It’s totally about spending where you see value guilt free and cutting mercilessly where you don’t. Meeting your financial needs (living, saving, investing, debts) and then allocating funds to what brings you joy! 🎉❤
@@Christinamychas makes sense! keep up the quality content. Great channel 👏👍
In 2024 I plan to pop my own popcorn. It is very simple and symbolic.
Painting my nails while watching your video's, my ultimate comfort-channel here on UA-cam🙏 Thank you so much for all the content this year, wish you all the best for 2024!❤️
❤️❤️✨✨
I'm with you on the alcohol. Any more, just one drink makes me feel terrible the next day, anxious and depressed. So I now abstain, and my budget thanks me.
Me toooo it’s wild! The entire next day is a write off 😭
My female friends and family "of a certain age" have mentioned problems too. Our bodies know, that's for sure.
Thank you for this video! I totally agree about alcohol - whatever they say about "quality" beverages, like fancy wines or single-malt whiskeys, alcohol is still just a poisoning substance for a human body and brain! And thanks again for reminding me to declutter my makeup box, certainly quite a lot of things there are expired already, not being used more than a couple of times...
Sent this to my 32 year old daughter. Thank. You.
Happy New Year! Thanks for your great content in 2024.
I agree 100% with buying skin products that work vs. assuming expensive skin care products are better. The best overall skin care is consistently wearing sunscreen.
One of the biggest things I’m going to do this year is to stop watching haul videos as well as stop going to the stores. My clothes shopping has been out of control but I’m fine if I don’t see it. If I see it, I cant stop thinking about it until I buy. Perhaps that’s a bigger problem..😮 I love watching UA-cam videos so I’ll replace the hauls with videos like this as well as healthy eating and exercise. Thankyou so much for the inspiration. Happy New Year! 🎉
Most of these, I'm right there with you. Except food. We spend A LOT on food, and would gladly cut back in 100 other places before changing how we eat. And when I say we spend on food, I mean food for the house, not take out or restaurants. Food is what I live for, and it brings me a ridiculous amount of joy.
I do love to try out new recipes (and like the challenge of using up odds and ends of ingredients) but I have a trick for keeping my grocery budget under control. I have a large chalkboard, which a local school was throwing out, where I write down EVERY SINGLE recipe I can make with what I currently have in the house. Even obvious things like tapioca pudding, pancakes, etc. That way, I don't feel tempted to go to the store yet when I can still put together tons of breakfast options, baked goods, dinners, and sweet treats.
When I go shopping, I first write down the names of all the recipes I'm making in the coming week, with what I need to buy for each listed underneath. As soon as I get home from the store, I transfer the names of all those recipes straight to the Menu Board. So it stays up to date. This little routine helps keep me from always thinking I need to go shopping because I'm out of food!
Your list is very similar to mine. I've cut out cable tv and travel souvenirs. In 2024, I plan to reduce takeout/delivery, reduce coffee shop purchases by making it at home, stop buying smoothies and make those at home, and purchase no more than 20 pieces for my wardrobe. I'm more focused on reducing quantity, versus quality and cost. Looking forward to your content and new inspiration next year!♥
Thanks for the great list! When it comes to clothes, I don't have a defined wishlist per se, but while I'm looking at an item at the store, I check out my Pinterest boards. one is a capsule wardrobe inspiration board with outfits I can make with items I already have, and the other is more of a wish/desire board for inspiration. If I don't see the item reoccurring in my wish/desire board and it wouldn't fit into my capsule board, then I won't buy it.
I love this! I also use my Pinterest style board a lot to determine what I should or shouldn't bother adding to my wardrobe. Another good rule of thumb for me especially when thrift shopping is asking myself "Will I be excited to wear this in the next week?" or if it's an off season piece "Will this be top of mind when summer comes?" and sometimes the answer is a big yes so I know it's worth the buy.
I have been working a retail job since the week before Black Friday and now only have five shifts left! I wasn’t supposed to be seasonal, in fact I was the full time assistant manager, but being the one whose job it was to convince people to buy more became so heavy because of my personal preferences around spending. I also started shopping more just because the employee discount on top of clearance was so good. Turns out I’m not a retail girly. My time budget is changing from working this job to finally expressing my creativity and submitting musical compositions to publishers. That, and I’m pregnant, so I’d much rather spend money on diapers than shoes I’ll wear twice!
Can you please do a video of your home made salad dressings please ?
Natasha’s Kitchen is a channel and she has some dressings.
I've stopped shopping at Zara, H&M and low quality chain stores. Saving a ton and focusing on quality pieces I can have for many years instead. Much happier!
Thank you for a year of amazing content, Christina! I also gave up alcohol, after learning that even that "one glass of red wine a day" is NOT healthy for you and could even increase your risk of heart attack and breast cancer. I don't miss it at all! 😊
All the best in 2024 and I look forward to your future videos! ❤
Great video! I chunk of my monthly budget goes to my horseback riding lessons. It’s an expensive hobby, but I get SO much out of it. Worth every penny to me😍
“And it can quite frankly get exhausting” hahaha yeah 😅you are so right
Great tips! I am definitely guilty of the “buying groceries for a new recipe I won’t make” dilemma! Thanks for making me mindful of that as we’ll head into 2024. One way I have been saving has been to quit paying for a gym membership and working out at home. It’s much more convenient and there are so many options out there now.
My plan is to stop shopping for clothes for myself and instead get the two dresses on my wishlist from a thrift store this year. My money is going towards furnishing my apartment and things my babies need.
With regards to take aways/delivery foods: some of the delivery apps offer a discount on quiet weeknights, so picking a Tuesday as your "no cook treat" day can save you more money
Alcohol makes me fell like crap the next morning, even one. I appreciate your perspective.
SAME
Great video! I will be doing my first low to no buy year in 2024. I don't need more clothes, household items or art supplies. I eat a simple plant-based diet with home cooked meals and rarely buy take-out. I don't buy beverages. Water is good enough and preferred. I just canceled my PO box rental. I'm sure there are more ways to cut out additional spending. My extra dollars will go toward travel and other fun experiences.
YES to not getting sucked into food blogs & recreating recipes every week! 🍲 I'm much happier now I've found a recipe book that uses the same base spices for many of the dishes, because of that simplicity my meals have become much more automatic & less stressful.
I’m curious which recipe book?
@@peeksiek2135the Pinch of Nom series. Red cover.
@@bethany9477 thank you!
I hardly ever drank anyway but when I do my right arm aches so I don’t at all now. The issues I have is finding hobbies that keep me off the internet/social media and seeing all the stuff I need going to have to work on it
I love to spend on food and experiences so I save it for the weekend or when I’m hanging out with a friend.
Happy New Year! 🎉
I became allergic to alcohol a few years ago, and generally my life is better without it. Hopefully you will also find other things which suit you better.
I really like this, I find that I cook all sorts of different foods throughout the week however I stick to 3 major cuisines...Caribbean, Italian and Korean/Chinese and the less-complicated Nigerian dishes. SO all my spices I have usually cover all these cuisines and I find myself using them A LOT and never having to buy other spices and herbs and fresh ingredients. Knowing this has helped me so much because I used to want to cook every cuisine in the world and waste so many ingredients because of it.
Thrift is how I shop if I have to buy new I do buy quality u helped me clean my closet thank u for sharing Luv the comments I even take advice from them😊
Very helpful - I can relate to buying the same clothing items.
Happy, healthy new year
Thank you for your content it’s therapeutic to listen to it in my case
I just try to get everything I really like and need second hand. From clothing to furniture... and it works! I get the best quality for almost nothing and it satisfies me so much 😂
thank you, im not crazy, clothing in stores these days are more n more crap than they ever been. my mom is a taylor and she notices the same thing. its so incredibly frustrating. i try to buy from good companies that i can only really find online so i have to go clothes shopping online unfortunately, which is also frustrating. but then that makes me lean more into minimalism for a very good reason.
You make a huge point when it comes to make up!
I have saved so much money (and space) since I have the very basic products
Great tips, especially going into the new year.
oh man, the thing about groceries and recipes really hits home. Recipe expenses can be completely out of control if i'm not paying attention. Our college-aged sons love to cook and they are great at budgeting--one of them suggested to me that our meal plan can just be eating the same things many days of the week. Dining out is insane now. We've taken that out. My husband and I love going out on dates, but we can cook and enjoy at home. Really good idea about the sample sized makeup when we need something specific! love that. Have been enjoying your channel very much as we navigate building up better habits and, as a result, building our savings.
Happy New Year’s Eve everyone! Midnight is in 20 minutes for me!
I’m going to do my best at a successful no buy/minimal buy this year!
In addition to, I cut out subscriptions services and membership I wasn’t using. Happy new year 🎆 🎈 🎊 Christina! - hugs 🤗, Amy
I am not buying anymore makeup unless I run out of something. I already know what shades work with my skin and I certainly don't need 10 versions of the same lipstick/blush/eyeshadow!!
I like your fashion content but I’m thrilled to see financial content like this from the good ole days. Perhaps more of these videos in the New Year for those of us trying to get our finances together in 2024? 😅
This video was so helpful. Thank you!
I have to agree with the things you mentioned 100% . It took soo long and so many bad purchases to realize the same things
Alcohol. Don’t miss it at all. A conscious choice to quit, because it didn’t add to my quality of life. Better sleep, no anxiety and feeling terrible next day even after one drink.
I don’t explain anything to anyone, just order sparkling water with lemon/lime. No judgement on people who enjoy it, because it’s such a social thing.
I also significantly reduced coffee. I don’t buy it to go. Enjoy occasional cuppa with a friend at a nice coffee shop.
Love your videos! Thank you!
Thanks for the great content in 2023! Midway through the year I quit buying books, even e-books. I now utilize the local library, where books are download for free. This also provides practice in patience as I wait for a particular book to become available. Now, I need to minimize clothing purchases (my nemesis!).
Happy new year and thanks always for your videos!
I'm actually open to spending more on shoes at this point in my life. I want to walk more for health and look put together, and I've been compromising on one or the other for far too long.
Trying to spend less on snacks and hobbies, I have enough supplies at home and the small expenditures really build up. I would much rather spend that money somewhere else.
Yes!!! That’s amazing! It’s all about curating your spending to where you see value!
I love coffee, but am perfectly capable of making it wonderfully for myself at home! I have 3 or so favorite types of coffee and 2 ways to brew it: cold brew (super easy) and drip into a filter cone. French press way is also easy! I just don't buy any when I'm out and save quite a lot across a month.
I am the same way. I get coffee out only when it's something special like catching up with an old friend or when traveling. I know for me, like many people, it can be tempting to grab a coffee "as a treat" in the afternoon when I'm working but I find having a selection of hot teas and coffee options on hand at the office is just as good and so cheap.
I love your no nonsense, practical approach to things, Christina, it’s refreshing and very helpful. Happy New Year! 🎉
K beauty is great, same goes for japanese skincare and makeup!
Agree with everything you said except for food/groceries. My husband and I are serious foodies that like a ton of variety, and we find cooking fancy meals at home save a ton of money compared to eating out at nice restaurants!
Yes! I love that you value that and choose to spend more there. It’s so customizable which is sweet! ❤️
Another great video. A very happy new year to you! 🎉
I agree with every item on your list. I stick to buying basic foods and use spices to vary them. I don't buy obscure spices because I found I use them once and toss them a year later. Alcohol makes me feel awful and I've never been a big drinker. perhaps it's a reaction to medication I'm taking but either way I've given up the occasional drink. This is a great video! I enjoy watching you.
I spent less on specialty groceries, makeup/skin care, take out too!🙌. I spend more on taking small trips with my family, having a life coach and giving to others. Love your videos!
#1 🙌 so underrated as a budget cut/improvement, as well as lifestyle simplification! I live alone - so I eat variations of the same thing too, and then switch it up for a while when I feel like it, and I have little to no food waste while still enjoying my meals! But as for things I spend MORE money on now that I'm loving : that is BOOKS!
Thank you so much for your insight and have a Happy New Year 🎉
I do like your financial videos. Especially as you dug yourself out of a hole and have learned to budget. This will be my goal for w024. I waste so much money on clothes and groceries! These two area really need some work. Thanks for your inspiration!
These are such helpful ideas and the older I get the more I try to be mindful about how I spend my money. I'm pretty conservative by nature but I can easily get pulled into a "bargain" on something I really don't need. I have also stopped buying expensive skincare, manicures and luxury makeup. I spend more on travel and I do love niche fragrances so I try to be selective. I'm always fascinated by hearing what people choose to buy or not buy. Happy New Year!
Happy holidays, everyone and be safe out there. I love your videos. Its truly has helped me out in my wardrobe as well as makeup so thank you again for your tips and your honesty. I really do appreciate it.❤❤
Great reminders! Thank you🎉
Happy New Year! I’m definitely like you about the cell phones, I have zero desire to spend more on a new one when the current will last far more than 2 years. I love your idea about take out only on the weekends, I may try that!
The groceries part and sticking to the same meals you like definitely is what I prefer. Saves me a lot of money.