Wow! I only make 2000 a month and I’m saving about 800 a month. My bills are 900 dollars all together. So far I have 3000 saved. My plan is to save 10,000 by the end of the year. My income is not much but I’m trying. That’s awesome you make good money. My plan is to try to save 50,000 dollars in 5 years but you did it in 1 year. Wow. Crazy.
Thank you for being apart of my No Buy/Low Buy Year and coming along for the ride. I appreciate all the likes, comments and especially a big thank you to those lovely humans who have shared their own experiences and encouragement in the comments. I would love to know how your year went? What Are you planning to continue or starting your own No Buy/Low Buy for 2021? Thank you for watching :) :)
Haha sometimes a little too honest:D but I do really value transparency especially when people are sharing results or talking about budgets/spending. Makes it very clear what is going on and how successful the challenge as been :) hope you are having a good day
Glad you like the detail. I tried to keep it interesting with overlay footage because it was a lot of information. Yes go for it I honestly got so much out of doing it and I am continuing for this year because of that. It really is a good experiment just to understand and watch your own shopping habits. Wish you the best luck if you do one and would love to hear how you get on in further updates. Hope you are having a lovely day :)
Yes it is an awesome motivator and it helps focus more on the big picture rather then the dollar amount. It can really show how hard you are working to save when you see it this way :)
Love this video I’m doing a no buy month at the mo 😬 I’ve never done it before, so far I haven’t spent anything. Also I’m getting rid of 90% of my belongings. Looking forward to all your new videos this year 👍🏻
Wow great to hear you are on a no buy and also downsizing at the same time. It is great to do the two at once because they are both very supportive of each other. Seeing how much you have is a great motivation to stop buying more. Wish you the best of luck with it and would love to hear how you get on in coming updates throughout the year :)
What a successful no buy/low buy year! I recently found your channel and I’ve been trawling through your videos for inspiration/tips to help me get my financial act together. I moved to Aus from Nz in the middle of last year and I am also working as an independent support worker for people with disabilities. I don’t expect I’ll be earning as much as you have been, but am still making the most I’ve ever done at any other job I’ve had while also doing rewarding work. I am also fortunate to be able to live with family and pay a lower rent as I try to knock off the debts that grew when I was travelling in the few years pre-COVID. So far I’ve paid off all my smaller debts and now am focused on the beast that is my student loan. I’m hoping some of your discipline will transfer through osmosis as I keep watching your videos! I’m pretty hopeful that I’ll reach financial freedom before I know it! Thanks again for the awesome content :)
Wow Nelia! I applaud you for taking the time to add all these different categories up!! You ended the year with amazing results. Well done :) That’s so great you can start 2021 and your new work with financial stress out of the equation. I hope you’re doing well!
This is so useful, having actual amounts. Thank you! It helps me to go forward looking at personal comparative progress, rather than getting too perfectionistic (which would have me quit within a week).
I am so glad it can be helpful in someway. It is so important to find a new mindset rather than the perfectionism because it honestly can kill the motivation so fast! Hope you are having a good start to the year and if you are doing a no buy or low buy that it is going well and you are saving and learning at the same time :)
@@NeliaRose Thanks! I've been a recovering perfectionist for decades 😃and doing quite well at it... each day this year I am trying to look at one small area to declutter... I find that exercise keeps me engaged in the bigger process. I've just ended a long, intense career, and there are a lot of small areas I've had no time to consider. Day by day, piece by piece!
@@lyndagabriel6539 Thank you for sharing. It is a long road to recovery and it is scary how many areas of your life it a slip into. So glad to hear you have made such awesome progress. Wow great idea to have small areas to focus on one by one doing bite sized amounts is so helpful. I hope your enjoying the process and having the space you need after all the years of work :)
I applaud you! I did a low buy year last year and didn't keep such precise numbers, I'm wondering if I should to get even more motivated. I also wondered if you know fellow no-/low-buyers on youtube with families? Because I'm struggling most with buying (non-essentials) for my toddler and our baby-in-belly. I'll surely keep following you anyway, keep up the good work!
No worries hope you found it helpful or interesting in someway :) It was really fun to track everything an din a few weeks I will be doing the same but for my 2021 results :) Hope you are having a lovely day :)
Such a complete and interesting final video! Thank you so much for sharing everything 😊 I've really enjoyed watching your no buy/low buy. At the moment I can't start this challenge since I don't have a job... hopefully soon I will join in the group of no buy/low buy year challenge
Glad you liked the video it was a lot of fun to figure out all the numbers and see the results. Awesome that you would like to try on at some point :) I wish you the best of luck with a new job it is a bit tricky at the moment for work but hopefully something will come along :) Thank you for the comment and I hope you are having a great day :)
Just after your video I got my partner into doing a low-buy year with me for 2021! I've wanted to do this for a while but last year I had so much expenses with having to move cities and starting with next to nothing that I didn't want to add all the work of budgeting all of it so meticulously. Thanks for the inspiration and best wishes for 2021!
Loved this update! It was so neat to see your year in review - you did a fantastic job! Also, LOVE that dress on you! I'm so excited to be going into 2021 with you doing another no-spend challenge! I hope things are going smoothly for you as you're getting ready for your big move! :)
That is a great idea especially after simplifying your life it can be easy for new things to find their way into your home if you are not paying attention. Also now you will be in a great mindset for a challenge like this because of all your hard work from 2021. Even if your family isn't up for it just by you doing the best you can will often encourage them to join as well because they will slowly notice the differences in you. I wish you the best for 2022 :)
Reminded while watching how little privilege me and my husband have compared to you (not a dig at you!)...our rent (we come from very poor families) is 1400 euros a month for a very basic place in a very small rural town. I wish I could afford a no buy but as it is my whole life has been a no buy as we simply don't have any money after bills etc are paid and our jobs are way worse paid than yours! Enjoy the luck you've been blessed with. Well done on the no buy!
Thanks for such a detailed video, its given me a kick to try and get my overspending in check. Its been an emotionally stressed year for me and in turn I've found I've been impulse buying, spending way too much and putting most of it on a credit card. I am going to attempt to do low buy for the rest of the year and use your categories. thank you xx
Love loveeeeeeeeeeeee this update and this/these results - you did amazing x - Not gunna lie the big shot of the items your kitchen mixer looked like one of your pleasure products ahahahah
Incredible!! You are inspiring me to challenge my spending. I’m in the states and it’s difficult to control spending here, especially with the ongoing covid issues.
Great to hear that this videos can be inspiring in someway. Yes it is hard to focus on money and not spending when there are bigger issues that are going on. Sometimes you just have to do what you can to get through. Every small little effort helps and just because a no buy or low buy would be overwhelming even little things like waiting a couple days before you buy something instead of instantly getting it. Working on small goals can be the momentum you need to work towards what you want to achieve. Thank you for the comment and I hope you are having a great day :)
Love the video as always! It’s impressive that you were able to keep track of everything in your notebook. how do you organize your spreads/ keep track? Do you just write down everything when you get home each night? You must have a trick that others don’t! :)
When you move to America would you find the no-buy more difficult? I visited America for the first time last January and their consumerism is so different to Australia
That is a really good question. I think yes the temptation for me is in someways stronger over there especially with certain stores being so much cheaper to get good things. Also I always find it is super location related and cities being extra tricky. When I lived in London a bought a lot of things because stores are everywhere and you are constantly tempted however when I am home here in Australia I have to drive 40+ minutes to get to a shopping mall. I think also the Aussie lifestyle is very much about going to the beach getting out and about so this means that your time is directed in a different way. When I move back to the States I will be in the countryside and I will only get one day off a week plus will be living on a very small income so this will naturally stop the tendency to spend. I think shopping is a temptation no matter where you are and especially these days with online orders with a click of a button. Thank you for the question it has actually got me thinking a lot and I might make a video talking more about this. I hope for now that answer is somewhat helpful :) Hope you are having a lovely day :)
i'm consindering a low buy 2021! kinda excited about it tbh... i really want to save money to put a down payment on a home. i pay rent and i just really really want to have the stability of a place to call my own
Great round up / summary for the year!!! You have done amazingly well! I think it’s lovely that you often choose to dine out with your clients when you are out and about with them. Is it pretty much guaranteed that you will be able to return to the U.S , in Feb, given the Covid situation? Love your spirit of adventure and will enjoy following along on your journey as you head back overseas (I first found your channel when you were doing the envelope system in America).
Thank you so much for this video. As someone who's wanting to buy a house in a few years I am wanting to try this out to bulk my partner and my savings
Glad you found it helpful or interesting in someway. A No Buy or Low Buy is the a good way to do that indeed. It helps put things into perspective and if you do the hard work now to save you are ultimately saving even more because the more money you have up front for the house the less you pay in interest. Also saving for a house is an awesome motivation to stick to your rules even when it gets hard. :) Hope you are having a great day :)
I feel you so much. I'm in a similar situation even with one of the lowest rents that is available in my context (city and country), I'm not making middle class money lmao. I think the biggest win for me is seeing this as I'm saving myself some huge debt by doing low-buy and that is an incredible saving. Especially when a lot of people live above their means to fit the middle class ideal and end up paying for it with interest the rest of their lives.
I'm coming into this very late, but I am confused. Most of us have mortgages, car loans, and groceries to pay for and I'm not seeing this in the calculations. While I love that saving over 24K that year was amazing, the remaining money, if it were in my life, would have gone to my cell phone, housing and utilities, and vehicle costs. I definitely would not have 'saved' much more than the 24K which is still amazing and I'm also still planning on doing a low buy 2024. Just curious about the other items and expenses.
She says she paid $100 week to her Mum for rent, so that's $5200. She acknowledges that she is very fortunate compared to others. Good luck on yr low buy. It's hard but worth it!
Ma'am, your gas, (assuming it is petrol), car maintenance, groceries, eating out, things, cat, bills, experience, mic, laser, gifts, clients, computer, dentist, etc...presumably this is for the year?
Car and gas not to mention eating out, you might want to look into that. Worried about your back, you need to have healthcare coverage. But well done ! 👏👏🙌🏻
wow that's so interesting .. didn't know you could be self employed as a disability support worker...so you have an ABN? income protection cover? would you also have to pay a public liability insurance? have you done a video on any of that at all?
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Wow! I only make 2000 a month and I’m saving about 800 a month. My bills are 900 dollars all together. So far I have 3000 saved. My plan is to save 10,000 by the end of the year. My income is not much but I’m trying. That’s awesome you make good money. My plan is to try to save 50,000 dollars in 5 years but you did it in 1 year. Wow. Crazy.
Wow, I remember making only $10,000 in one year!
Thank you for being apart of my No Buy/Low Buy Year and coming along for the ride. I appreciate all the likes, comments and especially a big thank you to those lovely humans who have shared their own experiences and encouragement in the comments. I would love to know how your year went? What Are you planning to continue or starting your own No Buy/Low Buy for 2021? Thank you for watching :) :)
I love how honest you are about everything!
Haha sometimes a little too honest:D but I do really value transparency especially when people are sharing results or talking about budgets/spending. Makes it very clear what is going on and how successful the challenge as been :) hope you are having a good day
I really love how detailed and informative your videos are. Thinking of doing a low buy year for 2021....so this was super helpful.
Glad you like the detail. I tried to keep it interesting with overlay footage because it was a lot of information. Yes go for it I honestly got so much out of doing it and I am continuing for this year because of that. It really is a good experiment just to understand and watch your own shopping habits. Wish you the best luck if you do one and would love to hear how you get on in further updates. Hope you are having a lovely day :)
I love the idea of looking at what percentage of my income I’m saving and seeing how I can grow that number!
Yes it is an awesome motivator and it helps focus more on the big picture rather then the dollar amount. It can really show how hard you are working to save when you see it this way :)
Love this video I’m doing a no buy month at the mo 😬 I’ve never done it before, so far I haven’t spent anything. Also I’m getting rid of 90% of my belongings. Looking forward to all your new videos this year 👍🏻
Wow great to hear you are on a no buy and also downsizing at the same time. It is great to do the two at once because they are both very supportive of each other. Seeing how much you have is a great motivation to stop buying more. Wish you the best of luck with it and would love to hear how you get on in coming updates throughout the year :)
Thank you for being so transparent with your income and all the money discussed! It sure helps and motivates with this years low buy/no buy!😊
What a successful no buy/low buy year! I recently found your channel and I’ve been trawling through your videos for inspiration/tips to help me get my financial act together. I moved to Aus from Nz in the middle of last year and I am also working as an independent support worker for people with disabilities. I don’t expect I’ll be earning as much as you have been, but am still making the most I’ve ever done at any other job I’ve had while also doing rewarding work. I am also fortunate to be able to live with family and pay a lower rent as I try to knock off the debts that grew when I was travelling in the few years pre-COVID. So far I’ve paid off all my smaller debts and now am focused on the beast that is my student loan. I’m hoping some of your discipline will transfer through osmosis as I keep watching your videos! I’m pretty hopeful that I’ll reach financial freedom before I know it! Thanks again for the awesome content :)
Thank you for being so detailed in your videos. 🙂
so proud of your achievement!! this is amazing!
Wow Nelia! I applaud you for taking the time to add all these different categories up!! You ended the year with amazing results. Well done :) That’s so great you can start 2021 and your new work with financial stress out of the equation. I hope you’re doing well!
This is so useful, having actual amounts. Thank you! It helps me to go forward looking at personal comparative progress, rather than getting too perfectionistic (which would have me quit within a week).
I am so glad it can be helpful in someway. It is so important to find a new mindset rather than the perfectionism because it honestly can kill the motivation so fast! Hope you are having a good start to the year and if you are doing a no buy or low buy that it is going well and you are saving and learning at the same time :)
@@NeliaRose Thanks! I've been a recovering perfectionist for decades 😃and doing quite well at it... each day this year I am trying to look at one small area to declutter... I find that exercise keeps me engaged in the bigger process. I've just ended a long, intense career, and there are a lot of small areas I've had no time to consider. Day by day, piece by piece!
@@lyndagabriel6539 Thank you for sharing. It is a long road to recovery and it is scary how many areas of your life it a slip into. So glad to hear you have made such awesome progress. Wow great idea to have small areas to focus on one by one doing bite sized amounts is so helpful. I hope your enjoying the process and having the space you need after all the years of work :)
I applaud you!
I did a low buy year last year and didn't keep such precise numbers, I'm wondering if I should to get even more motivated. I also wondered if you know fellow no-/low-buyers on youtube with families? Because I'm struggling most with buying (non-essentials) for my toddler and our baby-in-belly.
I'll surely keep following you anyway, keep up the good work!
I also practicing this no buy or low buy year and so far so good and hopefully it's become my good habits in order to save money
Enjoyed the video! It gave me some great ideas about tracking my progress this year!
Damn, you saved literally twice as much as me and I thought I was doing OK.
If you saved some, it's already really good 👍🏻 Improve your saving rate if you can.
Thank you for the time and energy that you've put into this x
No worries hope you found it helpful or interesting in someway :) It was really fun to track everything an din a few weeks I will be doing the same but for my 2021 results :) Hope you are having a lovely day :)
@@NeliaRose Looking forward to the next one x
Such a complete and interesting final video! Thank you so much for sharing everything 😊 I've really enjoyed watching your no buy/low buy. At the moment I can't start this challenge since I don't have a job... hopefully soon I will join in the group of no buy/low buy year challenge
Glad you liked the video it was a lot of fun to figure out all the numbers and see the results. Awesome that you would like to try on at some point :) I wish you the best of luck with a new job it is a bit tricky at the moment for work but hopefully something will come along :) Thank you for the comment and I hope you are having a great day :)
Just after your video I got my partner into doing a low-buy year with me for 2021! I've wanted to do this for a while but last year I had so much expenses with having to move cities and starting with next to nothing that I didn't want to add all the work of budgeting all of it so meticulously. Thanks for the inspiration and best wishes for 2021!
Congrats! You’re inspiring & motivating to watch
Thank you :) Awesome to hear that you find it inspiring in someway :) Hope you are having a lovely day :)
This video is so helpful, you did an awesome job!
Loved this update! It was so neat to see your year in review - you did a fantastic job! Also, LOVE that dress on you! I'm so excited to be going into 2021 with you doing another no-spend challenge! I hope things are going smoothly for you as you're getting ready for your big move! :)
Thinking of doing a low buy year for 2022 because 2021 I spent the year decluttering. Just trying to get my family on board.
That is a great idea especially after simplifying your life it can be easy for new things to find their way into your home if you are not paying attention. Also now you will be in a great mindset for a challenge like this because of all your hard work from 2021. Even if your family isn't up for it just by you doing the best you can will often encourage them to join as well because they will slowly notice the differences in you. I wish you the best for 2022 :)
Reminded while watching how little privilege me and my husband have compared to you (not a dig at you!)...our rent (we come from very poor families) is 1400 euros a month for a very basic place in a very small rural town. I wish I could afford a no buy but as it is my whole life has been a no buy as we simply don't have any money after bills etc are paid and our jobs are way worse paid than yours! Enjoy the luck you've been blessed with. Well done on the no buy!
Thanks for such a detailed video, its given me a kick to try and get my overspending in check. Its been an emotionally stressed year for me and in turn I've found I've been impulse buying, spending way too much and putting most of it on a credit card. I am going to attempt to do low buy for the rest of the year and use your categories. thank you xx
Love loveeeeeeeeeeeee this update and this/these results - you did amazing x - Not gunna lie the big shot of the items your kitchen mixer looked like one of your pleasure products ahahahah
Oh boi that would not be a fun time at all! Industrial sized please product :D Glad you liked the update and final results :)
Incredible!! You are inspiring me to challenge my spending. I’m in the states and it’s difficult to control spending here, especially with the ongoing covid issues.
Great to hear that this videos can be inspiring in someway. Yes it is hard to focus on money and not spending when there are bigger issues that are going on. Sometimes you just have to do what you can to get through. Every small little effort helps and just because a no buy or low buy would be overwhelming even little things like waiting a couple days before you buy something instead of instantly getting it. Working on small goals can be the momentum you need to work towards what you want to achieve. Thank you for the comment and I hope you are having a great day :)
Love the video as always! It’s impressive that you were able to keep track of everything in your notebook. how do you organize your spreads/ keep track? Do you just write down everything when you get home each night? You must have a trick that others don’t! :)
When you move to America would you find the no-buy more difficult? I visited America for the first time last January and their consumerism is so different to Australia
That is a really good question. I think yes the temptation for me is in someways stronger over there especially with certain stores being so much cheaper to get good things. Also I always find it is super location related and cities being extra tricky. When I lived in London a bought a lot of things because stores are everywhere and you are constantly tempted however when I am home here in Australia I have to drive 40+ minutes to get to a shopping mall. I think also the Aussie lifestyle is very much about going to the beach getting out and about so this means that your time is directed in a different way. When I move back to the States I will be in the countryside and I will only get one day off a week plus will be living on a very small income so this will naturally stop the tendency to spend. I think shopping is a temptation no matter where you are and especially these days with online orders with a click of a button. Thank you for the question it has actually got me thinking a lot and I might make a video talking more about this. I hope for now that answer is somewhat helpful :) Hope you are having a lovely day :)
i'm consindering a low buy 2021! kinda excited about it tbh... i really want to save money to put a down payment on a home. i pay rent and i just really really want to have the stability of a place to call my own
You did awesome! ❤️
Thank you! :)
Great round up / summary for the year!!! You have done amazingly well!
I think it’s lovely that you often choose to dine out with your clients when you are out and about with them.
Is it pretty much guaranteed that you will be able to return to the U.S , in Feb, given the Covid situation? Love your spirit of adventure and will enjoy following along on your journey as you head back overseas (I first found your channel when you were doing the envelope system in America).
Wow this ist soooo motivating😍😍
Thank you so much for this video. As someone who's wanting to buy a house in a few years I am wanting to try this out to bulk my partner and my savings
Glad you found it helpful or interesting in someway. A No Buy or Low Buy is the a good way to do that indeed. It helps put things into perspective and if you do the hard work now to save you are ultimately saving even more because the more money you have up front for the house the less you pay in interest. Also saving for a house is an awesome motivation to stick to your rules even when it gets hard. :) Hope you are having a great day :)
Dat feel when rent is like 40% of income on it's own >.
40% seems low to me 😳
In an ideal world it would be under 33%. Dave Ramsey even says 25% but I think he's stuck in the 90s.
@@DreamCleanYes, wouldn't that be brilliant? Unfortunately those times are long gone for most people.
I feel you so much. I'm in a similar situation even with one of the lowest rents that is available in my context (city and country), I'm not making middle class money lmao. I think the biggest win for me is seeing this as I'm saving myself some huge debt by doing low-buy and that is an incredible saving. Especially when a lot of people live above their means to fit the middle class ideal and end up paying for it with interest the rest of their lives.
Our mortgage is about 25%
I'm coming into this very late, but I am confused. Most of us have mortgages, car loans, and groceries to pay for and I'm not seeing this in the calculations. While I love that saving over 24K that year was amazing, the remaining money, if it were in my life, would have gone to my cell phone, housing and utilities, and vehicle costs. I definitely would not have 'saved' much more than the 24K which is still amazing and I'm also still planning on doing a low buy 2024. Just curious about the other items and expenses.
She says she paid $100 week to her Mum for rent, so that's $5200. She acknowledges that she is very fortunate compared to others. Good luck on yr low buy. It's hard but worth it!
very interesting. Lovely video
Thank you :) I hope you are having a great day :)
👏🏼👏🏼👏🏼👏🏼👏🏼👏🏼good job 👏🏼👏🏼👏🏼👏🏼👏🏼👏🏼
Ma'am, your gas, (assuming it is petrol), car maintenance, groceries, eating out, things, cat, bills, experience, mic, laser, gifts, clients, computer, dentist, etc...presumably this is for the year?
Car and gas not to mention eating out, you might want to look into that.
Worried about your back, you need to have healthcare coverage.
But well done ! 👏👏🙌🏻
I am in love with your hair lol :)
Know that way people talk with there hands? she frigging shouts with them :D
wow that's so interesting ..
didn't know you could be self employed as a disability support worker...so you have an ABN?
income protection cover?
would you also have to pay a public liability insurance?
have you done a video on any of that at all?
The answer should always be yes to all of your questions.
Way to go
Thank you :)
so pretty natalia
Quit to buy 2021
Your video was very informational but you're throwing your hands around was rather distracting so I quit watching
Do you realize you touch your hair several times a minute? Seems common for long-haired RUclipsrs. Not a fan.
79 items? For an entire year? Oh man, I just purchased 32 items this WEEK ( not food) !!! 🫣😲