That's a good idea I was blending the 2 together cuz my retail therapy I was using as an excuse for walking and that wasnt helpful. Thank u for this idea
True story: some of these factories are so goodt you can’t even tell. ❤ I’m sticking with the factories boo. That’s how you do it. I have many authentic bags and reps from factories *suluxy* and when I tell you they legit have them down pack you can’t even tell that’s how good they have gotten. Be smart ladies!
That is a good idea even though she shot it down. I was thinking perhaps she can take up a hobby that deals with her hands and her head like knitting or crocheting.... Something that she can take with her but also something that will give her sense of satisfaction and that's dopamine hit when she completes it.
I love this! I did something similar last year and was able to pay off $33k of debt in 8 months. The discipline will be so worth it. Good luck in your journey ✨
I don’t know if you want advice from an old woman but here it is. I’m 69 and retired when I was younger. I never spent money on designer or luxury or anything. I just worked and saved my money. I have security now ,my house and cars are paid off. I would recommend that you save your money for when you’re older ,you really need to be feeling good with no debt in your life. I don’t have to worry about having enough money to go to the grocery store that feels like freedom to me.😊
I think that's great advice! I'm trying to pay off my high interest debt right now and my car is already paid off. But one day I'd love to be mortgage free!
Me too, i bought so much in a couple of years, i need discipline, i need accountability, i need to better my relationship with God, i need to repent from lust of the flesh/ eyes I can't just be buying things because i like them, this is absolutely sinful God didn't give us this money only for us to waste it on unnecessary purchases. We need to just make a U TURN and repent!!! Its ok to buy if needed, but lets be honest, everything we buy is actually not needed. This is why God cannot trust people with wealth, because then we abuse it and begin to buy unnecessary things and lost our relationship with God GOD PLEASE HELP US from this bad habit.
A few years ago I implemented two rules which were game changers for me. First rule: only shop in the 24 hours after being paid. If I see something online it goes into the cart until payday but I rarely buy it. I did just get an item which was in my cart xFOUR MONTHS until it was on sale. Rule two: I have to be willing to give up TWO SIMILAR items to bring home an item (unless it's a 1:1 replacement). I often struggle to find two current items that I'm willing to give up in order to get the new one. FYI: be careful with hobbies, they create a whole new level of things to buy. Ask me how I know 😉
Hobbies, I gotta stick to something! I played roller derby. 3 pair of skates, wheels, tools, and other miscellaneous stuff. Then I spent $600 on a violin. Even gardening is pricey to set up. No new hobbies in 2025!!😂
@@Claudia-g6y8g Hobbies will get you. My weakness is sewing fabric. Just organized fabric and have bought the same fabric several times. Darn it!! I could open a fabric store but it is so pretty.
I have locked/frozen all of my credit cards too. I paid them all off and the sense of peace I feel not worrying about upcoming credit card payments has been WONDERFUL!
Lord have mercy this was meant for me to come across. I have prayed for deliverance from shopping. I definitely will be joining in on this. 2025 NO MORE BUYING unnecessary items.
❤ I kept a diary of my spending for a month. I did the no buy challenge for a month at first to see if it would work. Just completed one year. I retrained my brain to know the difference between need and want. Paid off credit cards. No food delivery. Eat out once a month. Shop my closet.
First of all, I like that you were honest about liking nice things. I feel like people go from one extreme to the next and sometimes that leaves a void. I find after a few years of curating my entire life, I’m able to still enjoy nice things but in moderation.
I just watched that documentary on Netflix "Buy Now"...that will definitely make more people practice minimalism. I'm definitely going to purge and not keeping buying more.
Wow!!! Just got done watching Buy Now on Netflix after reading your comment. I have been on a no spend unless I really need it and simplified meals for a couple years now. But THAT made me want to not buy anything. Thanks for posting it here.
@@DigiDesk-jo1ksme too. The word Amazon gives me the ick when I hear it. Walmart is much the same way I would think. My daughter works at a high end furniture store and when they get rid of things they ruin them before throwing them away. As soon as she finds something else she is leaving for the most part because of this. $1500.00 dish sets are taken out back and smashed. Chairs and couches are smashed and cut. Make it make sense. No one would know that is happening.
1 rule: no new clothes 2 rule: no eating out 3 rule: no credit cards 4 rule: no retail therapy 5 rule: "delayed" shopping 6 rule: only restock when needed 7 rule: no duplicates (nail polish, lipstick, bags...) 8 rule: sale something old if buying something new 9 rule: don't pay full price (discounts, sales, wait for a better deal) 10 rule: don't have to be bougie about everything.
Great idea. I started slowly tho. No more make up or perfumes. I don’t eat out. I still get myself something big on my birthday. You have to enjoy life a little
I am doing a no buy this year as well. We are similar and I have gotten myself into credit card debt. My rules are fairly strict but I need this. No eating out, no coffee out, no clothes unless I lose weight, no planners, no classes, no influencer inspired purchases, sticking to grocery list, no books except for when I reach weight loss milestones, no new kitchen stuff, no gardening, no etsy purchases, no amazon purchases (this one is a reach), no new makeup, skincare or haircare except to replace an item with equal or lesser value. Finally no bulk purchasing because of world events and fear. Wish me luck!
I did the same thing when i moved into my house at the beginning of 2023. I wish i would have just sat with the house longer and took my time furnishing. I got into credit card debt as well but i just finished paying them off so i will also be locking them things up for majority of next year. Thank you for posting this video ! You have been a great inspiration when it comes to my finances
We pay the bills at the beginning of the month, spend very little during the month for the most part, write down what we want/ need to buy during the month, then re-allocate/ budget the left over money. And this is when that list generated during the month comes into play. Interestingly enough, often many of the items arent as important 1 to 30 days later.
@@Dani-qh6ho rearrange and pay them as you choose during the payment period. I WOULD NOT arrange to change the actual due date. Having the actual,due dates a little scattered, enables you to juggle better if there is a problem, glitch, or unplanned expense. If you are talking about credit card and variable interest debt, the interest on this type of debt is most often calculated on the amount owed daily in one way or another. For many, paying early in the payment period has Dvantages over paying on the last possible day.
Newbie here! I started taking breakfast of cornbread and hot tea. This saves me $6 every week day. Look forward to watching your no spend challenge. Happy Holidays, and good luck.
I so needed this motivational talk! I am selling my handbags and declutterring my closet! I asked my family for gift cards for Christmas so that I can use those for after Christmas purchases! 😊. Trying the no buy for 30 days!
Commenting again - you were talking about REAL money - this works for me, also I found I need to WRITE DOWN my budget ON PAPER, not use an app. I use a pocket calendar for this, I save my receipts and write down any purchases in the calendar on the date of purchase, with a short note on what I bought. At the end of the week I sum it all up and same at the end of the month. I has REALLY helped me to understand the value of money.
@07ikkin my brain perceives things a bit differently, so seeing the week on an actual page really helps! I don't do as well with dates in columns. "Know thyself", I guess!
Hello...I like it and I'll join you for 90 days! My motivation is saving more money. I will say it seems like a couple of your 10 rules are breaking your rule of "no spend" ie. Thinking about a thing for 2 weeks before buying it. If you are not spending...also the replace shoes or clothes when they wear out. Nothing is going to wear out in 3 months and if it does you probably have more than one like the medium brown purses 😊. Just saying don't allow any outs before you get started. For me i'll buy gas and groceries and groceries will be budgeted. Anyway...I'll be praying we both meet our goals!!!
Yes!! I’m doing a No Buy Jan and Feb 2025- your video may have just inspired me to make it be the whole first quarter as well. I like your rules a lot! My basic overall rule is… “No buying anything unless I absolutely need it.“ I should have enough makeup to last me for at least several months… I have enough clothing… I don’t actually “need” any new home decor… So basically there will just be no roaming around stores for fun. ☺️❤️ I gotta pay down these credit cards and save a little money! Good luck to everyone!🙏🏻💪🏼💪🏼
I’m going to join you in this challenge. I don’t have any credit card debt but I spend way too much money on anything. I need to do better to prepare for my future.
I am planning to do a low buy for 6 months. I will allow myself 100 euro per month for going out (museums, drinks, sauna etc) so I have to choose at forehand, because 100 euro is not that much. But Iam not allowed to buy physical items for 6 months. Maybe a good rule number 11. Dont even allow yourself to walk in to stores like Tjmax. If youre are not buying, dont go in. I am not allowed to set 1 food in a perfum store for the comming 6 months
I'll definitely be using ALL of your challenges, but I will be using my credit card. I recently set up my checking account to where I'll only have $500 a month available to spend on essential (Gas, Groceries, etc.) after that I ain't got it. I'll use that money to pay off my credit card.
My credit card company moaned at me for pay for items within two days of purchasing on the credit card. I asked them for their bank details so I could make a direct payment within two hours.....I don’t think they like me! 😂
I’m going to do this with you! I’m excited to see how much I can save in 3 months also. Starting to prepare today with cancelling some monthly subscriptions and memberships I think I can live without and replace with free activities instead. Looking forward to following you on your no spend experience!
I’m glad I found your channel.. I have a spending problem but a few months ago I had cut back and I going to do the no buy but on a monthly basis to see how well I do.. Thanks for sharing your tips girly 😊
I love nice things too…I am doing a no spend challenge starting next year…I am not buying any new clothes unless it’s under garments…lord knows I don’t need new clothes…No new shoes, I have way too many!! I need to pay off credit, and pay for trips. I have canceled subscription services and plan to sell some clothing and shoes. Good video and tips! Oh and I was so good with meal prepping for 6-7 months straight and then I fell off and was eating out, ordering food delivery. I hid the uber eats app from myself so that I can’t use it. That’s been good for me too!
Definitely needed to see this! My splurging has become commonplace since COVID. I also desire a new space, but that requires money honey! I'm joining you! Thanks for sharing this healthy message❤❤
I do these a couple times a year as a reset. I have one planned for January. I just purged my closet, got some great pieces that I don't wear, so back to the gym I go. Setting up my accounts for auto saving and payments for January.
I found out with the holiday scents, like the gingerbread body wash....it may go on clearance after the holidays. If you like that scent in general, after Christmas would be the best time to see if it goes on sale.
So glad I stumbled on this video. One of my goals was being more frugal and intentional with my finances this year, this video helped align my goals with reasonable steps. Thank you and looking forward to our success in getting out of debt! When we are debt free, we can buy what we want then. 💪🏿
I'm joining you! I buy things I don't need and I want to do better! I tend to stock up on items that take a while to use up. My goal is to use up what I have before repurchasing. I want to go into 2025 with a "if it's not a need, don't buy it!" We got this!
Love your honesty and candid comments. I’m a sucker for shoes and purses… and I’m trying my best to minimize those two collections. I’m trying a No Buy of Impulsive purchases and only buying necessities; I’m hoping I figure out the shoe & purse favorites and go from there. Your ideas are great, and thanks for the inspiration!
Regarding that caveat for the not buying new clothes, you could also consider learning how to sew holes in your clothes closed and going to a shoe cobbler before you buy a new clothes because they are worn 2:03
I like your rules! I think having rules helps me stop and think before making a purchase. I am trying the same; “no buy” for the first 3 months of this year, so that I can afford a trip later in the year. 😊
Loved this video. We are doing a no buy this month. I might continue it into the year but I wanted to start with a month since we’ve never done something like this before. 😄 We always spend cash/ debit on everything but we do have certain categories that we just spend too much money on and we want to get my car paid off asap. So here we go! 😆 good luck!
I'm doing a Low Buy Challenge with a "No Buy" list. I did a NO BUY previously and ended up over spending the first chance I got. I have similar items on my list. I'm cheering for you, good luck girly.
i'm trying a no buy year! I love fashion an accessories to the point of insanity with reckless spending. SO for me there will be no new clothes, shoes, or handbags this year. I have plenty and vow to shop my closet in 2025! Good luck to you!
Great video! Personal finance is so important. Im on a low buy and starting with Q1 as well. The hardest part is food for me. I cook alot but eat alot.
I realllly neeeeeeeeded this video. Thank you for breaking it down. I feel called to join you in this challenge. The Amazon delivery guy will think something tragic has happened to me 😅
Love this; same boat when I bought .. it gets better .. I also had to cut traveling for a min and I love to travel but it helped. Thrift stores are amazing for great home findings. Cookbooks! Thanks for sharing!
I'm doing this for all of 2025. My goal is to get serious about savings, retirement, and investments. My main issue is traveling. I don't budget to travel; I put it on a credit card and worry about paying for it later. I no longer want to operate that way, so this year, I plan to pay off debt and begin a sinking fund. We've got this!
True. I've been more successful on buying thungs when rhey run out,except at holiday markets and trips. But still been more disciplined with that. Looking forward to this challenge. I need it
I have some credit card debt to pay off too…I’m going to try this for a month. I do better with short term goals then adding more months on as I succeed. I’m going to start taking cash out for my groceries and not using my CC either! Good luck to everyone!!!
I canceled Prime a few years ago. I unsubscribed from promo emails. Definitely meal prepping more in 2025. It’s healthier for my body and bank account.
Great topic! I do no spend months. I will definitely do a no spend January month to save for upcoming trips next year with the exception of necessities. I do love to spoil myself though. I can definitely relate with several of your points. I do have an online store that helps with my purchases or impulse buys. I also just love thrifting and sourcing to sell.
This was so helpful as I am on a no-buy journey for the unforeseeable future. It is not easy because ya girl loves nice things and I have an obsession with jeans and shoes and boots and bags and perfumes and lip glosses ... and ... and.... But the way my mortgage is set up, 2025 is about being mature and using wisdom with my finances. Challenge on!
Love this video! This year is my year to change a lot of things about my life and spending unnecessary money is one of them! This is are great tips to help me get started 😊
I love this! I’ve also decided to challenge myself to a no buy challenge this year. 1st: buying myself clothes, bags, shoes, accessories, etc. I have sooo many clothes with tags on them that haven’t even been worn. (It’s sad smh) 2nd: buying toys for my kids. I’ve went through their toys & packed away so many they don’t play with & will unpack them when they get bored with the current ones they play with. 3rd: done using my credit cards as well. . Unless it’s an emergency & I need a little extra. Good luck to you & Happy New Year ❤️
When I go out I make sure I have filling snacks in my vehicle. I have three kiddos so eating out adds up!!! I will even go so far as to pack a small cooler with cheese sticks etc. I also try to stick to A grocery day. So if we run out of something before the next grocery day, we make do and add that item to the grocery list for next time. I also have been returning to making many things myself. So it's not overwhelming, I wait until we run out of some before I start making it. For example, we just ran out of laundry soap, so I am now making my own. With kids, I keep powdered milk in the house and use that in recipes that call for milk. We save the jugs of fresh milk for drinking and cereal.
I too make a lot of stuff myself, cleaning sprays, shoe polish, laundry powder toilet disinfectant, dishcloths etc. I love making stuff, and creativity is a way to curb spending for me. So much more gratifying!
I am going to be making stuff as well from bread, to mayo, and anything else that will shorten the grocery bill. We are also thinking about cutting back on meat, it will aid in health and saving money.
I do this every year from January until my birthday in May. Stay out of Target 😂 only do drive up!! You'll save yourself tons of money. Actually you can do drive up for most stores. Good luck Sis🤩
I love your video! I have placed myself on a challenge for 2025 as well. But, I really want to try for the full year. So we'll see how it goes. Need to start living below my means, a more minimalist lifestyle to save more for retirement and invest more. As well, my plan is to give away things I no longer need. Take Care!
For your restock rule, I highly suggest keeping track of the items you used up along the way. I started that Jan 2024 and now my list at the end of the year is 98 items used up! This helped me stay accountable to using up the products that I already have instead of buying more.
There’s been a lot of life happening and not enough numbers lol joining you on a no spend in January. Looking forward to your budgeting and debt payoff videos! You got this
These are really helpful tips. I'm going to do the challenge with you I've been watching the video daily so I won't forget. I like your rules I would just add to them the things I said in previous comments.
Good for you to know you are in debt . Living paycheck to paycheck is terrible. One major crisis away from major debt. Interest rates on those cards….have a look at what you are paying! Blessings ❤️
Thank you for your honestly and your video!! I am also going to do a no buy “challenge” I already go to the second hand store first for anything I need, but def use this as retail therapy. Trying to work out instead
I LOVE your authenticity!! Subscribing for sure! I'm also going to do a no buy challenge at the beginning of the year, too 🎉. Glad that I won't be alone. P.S. I defo know about the desire to buy everything all at once with a new place#BeenThereDoneThat😢. Soo excited for your debt journey. Keep us updated😊
I haven’t bought anything other than groceries for 6 months now. It’s still challenging but I have saved so much money and realize how frivolously I was spending. If I can’t pay cash for something then I don’t buy it. That’s on groceries and necessities. Good luck.
loved the video. i am following suit. I just watched your visioning board video from 11 months ago. It would be so cool to see you go over what ended up coming to fruition for you in 2024. Just an idea no pressure.
Girl I am praying that it goes so fabulous for you! And I know that it can be a lot but document how you feel during you're no buy. Another channel that I really loved was Hannah Louise poston she documented her journey of doing a no buy at it inspired me to do one a couple of years in a row. As a matter of fact I am going to do a no buy for the entire year in terms of hobbies. I did clothes for myself last year And it really helped me to what was in my closet that I was just neglecting. But I know you can do this girl!!!
I replaced "retail therapy" with walks in the park. Good Luck with your "no-spend" journey. You can do it!!!
I need something stronger than a walk 😂 May the Lord be with us all ❤
That's a good idea I was blending the 2 together cuz my retail therapy I was using as an excuse for walking and that wasnt helpful. Thank u for this idea
True story: some of these factories are so goodt you can’t even tell. ❤ I’m sticking with the factories boo. That’s how you do it. I have many authentic bags and reps from factories *suluxy* and when I tell you they legit have them down pack you can’t even tell that’s how good they have gotten. Be smart ladies!
That is a good idea even though she shot it down. I was thinking perhaps she can take up a hobby that deals with her hands and her head like knitting or crocheting.... Something that she can take with her but also something that will give her sense of satisfaction and that's dopamine hit when she completes it.
replace walks in the park with maxing out a roth ira!
I love this! I did something similar last year and was able to pay off $33k of debt in 8 months. The discipline will be so worth it. Good luck in your journey ✨
Wow! Paying off $33K in less than a year is amazing!
Paying off debt is why I’m doing a no buy in 2025. Love seeing someone else who did it and paid off debt, super motivational- great job!
You go girl!
Congratulations
Congratulations
I don’t know if you want advice from an old woman but here it is. I’m 69 and retired when I was younger. I never spent money on designer or luxury or anything. I just worked and saved my money. I have security now ,my house and cars are paid off. I would recommend that you save your money for when you’re older ,you really need to be feeling good with no debt in your life. I don’t have to worry about having enough money to go to the grocery store that feels like freedom to me.😊
I think that's great advice! I'm trying to pay off my high interest debt right now and my car is already paid off. But one day I'd love to be mortgage free!
I agree. Life passes by so fast and before you realize it, you’re unprepared for retirement.
When a replica is better quality than the original that costs Low why not *suluxy*
Im doing this too for the first quarter of 2025. Only spending money on food in addition to my bills. Good Luck !!!!
We got this! 👏🏼👏🏼
Me too, i bought so much in a couple of years, i need discipline, i need accountability, i need to better my relationship with God, i need to repent from lust of the flesh/ eyes
I can't just be buying things because i like them, this is absolutely sinful
God didn't give us this money only for us to waste it on unnecessary purchases.
We need to just make a U TURN and repent!!!
Its ok to buy if needed, but lets be honest, everything we buy is actually not needed.
This is why God cannot trust people with wealth, because then we abuse it and begin to buy unnecessary things and lost our relationship with God
GOD PLEASE HELP US from this bad habit.
perfectly explained as always, anyways next time you should try with *suluxy* , you should do a colab with them, they are best!
I'm doing the same. Food &bills only for the first quarter.
A few years ago I implemented two rules which were game changers for me. First rule: only shop in the 24 hours after being paid. If I see something online it goes into the cart until payday but I rarely buy it. I did just get an item which was in my cart xFOUR MONTHS until it was on sale.
Rule two: I have to be willing to give up TWO SIMILAR items to bring home an item (unless it's a 1:1 replacement). I often struggle to find two current items that I'm willing to give up in order to get the new one.
FYI: be careful with hobbies, they create a whole new level of things to buy. Ask me how I know 😉
That perfume hobby.
No buy for 5 months is my goal. I have plenty of yarn too last for a couple of years. I will be working on that. The money can just stay in the bank.
Hobbies, I gotta stick to something! I played roller derby. 3 pair of skates, wheels, tools, and other miscellaneous stuff. Then I spent $600 on a violin. Even gardening is pricey to set up. No new hobbies in 2025!!😂
Great tips and helpful to me. I too can tell you about the expenses on hobbies 😄
@@Claudia-g6y8g Hobbies will get you. My weakness is sewing fabric. Just organized fabric and have bought the same fabric several times. Darn it!! I could open a fabric store but it is so pretty.
I am doing a no spend year as well. Good luck everyone. Let's keep eachother accountable.
Me too🎉
We got this!!! Good luck!
Me too🎉🎉
We got this ✊🏾
I have locked/frozen all of my credit cards too. I paid them all off and the sense of peace I feel not worrying about upcoming credit card payments has been WONDERFUL!
Lord have mercy this was meant for me to come across. I have prayed for deliverance from shopping. I definitely will be joining in on this. 2025 NO MORE BUYING unnecessary items.
I have been praying it off me as well!!! We got this!!!
❤ I kept a diary of my spending for a month. I did the no buy challenge for a month at first to see if it would work. Just completed one year. I retrained my brain to know the difference between need and want. Paid off credit cards. No food delivery. Eat out once a month. Shop my closet.
First of all, I like that you were honest about liking nice things. I feel like people go from one extreme to the next and sometimes that leaves a void. I find after a few years of curating my entire life, I’m able to still enjoy nice things but in moderation.
Im definitely adhering to #3. I closed my Amazon Account and Uber Eats. I just need to stay out of Target the first 100 days!
Omg Amazon. I so can resonate with you on this. I need to close mines down as well.
It’s Target🎯 for me too, 😅, stay strong!
I do Target curbside only. It’s convenient and I only buy what I need. But I guess that can be bad too.
Doing this for Q1.. no Amazon no doordash! Completely.
Same!
Amazon is the WORST lol so easy to spend money. My mom lets me use her account which makes it that much easier. Cutting myself off for 2025 too!
I just watched that documentary on Netflix "Buy Now"...that will definitely make more people practice minimalism. I'm definitely going to purge and not keeping buying more.
I actually don’t have Netflix but I have heard other people talk about it and say I was good!
Yes that movie had me ending my 13year relationship with Amazon 😢
Wow!!! Just got done watching Buy Now on Netflix after reading your comment. I have been on a no spend unless I really need it and simplified meals for a couple years now. But THAT made me want to not buy anything. Thanks for posting it here.
@@DigiDesk-jo1ksme too. The word Amazon gives me the ick when I hear it. Walmart is much the same way I would think. My daughter works at a high end furniture store and when they get rid of things they ruin them before throwing them away. As soon as she finds something else she is leaving for the most part because of this. $1500.00 dish sets are taken out back and smashed. Chairs and couches are smashed and cut. Make it make sense. No one would know that is happening.
@rebeccabaron1348 Wow! That really makes no sense.
1 rule: no new clothes
2 rule: no eating out
3 rule: no credit cards
4 rule: no retail therapy
5 rule: "delayed" shopping
6 rule: only restock when needed
7 rule: no duplicates (nail polish, lipstick, bags...)
8 rule: sale something old if buying something new
9 rule: don't pay full price (discounts, sales, wait for a better deal)
10 rule: don't have to be bougie about everything.
Great idea. I started slowly tho. No more make up or perfumes. I don’t eat out. I still get myself something big on my birthday. You have to enjoy life a little
OMG this is me. My makeup and perfume supply is crazy! HELP!!
Perfume is my weakness!!! Lattafa and BSB perfume oils.
I am doing a no buy this year as well. We are similar and I have gotten myself into credit card debt. My rules are fairly strict but I need this. No eating out, no coffee out, no clothes unless I lose weight, no planners, no classes, no influencer inspired purchases, sticking to grocery list, no books except for when I reach weight loss milestones, no new kitchen stuff, no gardening, no etsy purchases, no amazon purchases (this one is a reach), no new makeup, skincare or haircare except to replace an item with equal or lesser value. Finally no bulk purchasing because of world events and fear. Wish me luck!
I have been buying too much clothing and makeup. Looking forward to starting a No Buy in 2025!
Me too! My wardrobe is full, but I also have this feeling to Need/Buy more. But I have to do a no Buy year. Some clothes have the Price Tag on it 🙈😬😕
Me too! I’ve brought so many new clothes in this year, I don’t need anymore!!
Me too
I did the same thing when i moved into my house at the beginning of 2023. I wish i would have just sat with the house longer and took my time furnishing. I got into credit card debt as well but i just finished paying them off so i will also be locking them things up for majority of next year.
Thank you for posting this video ! You have been a great inspiration when it comes to my finances
We pay the bills at the beginning of the month, spend very little during the month for the most part, write down what we want/ need to buy during the month, then re-allocate/ budget the left over money. And this is when that list generated during the month comes into play. Interestingly enough, often many of the items arent as important 1 to 30 days later.
Writing down is helpful. Surprisingly so
I've been thinking about rearranging my bills and paying them at the beginning of the month to see if it would help me stay on budget.
@@Dani-qh6ho rearrange and pay them as you choose during the payment period. I WOULD NOT arrange to change the actual due date. Having the actual,due dates a little scattered, enables you to juggle better if there is a problem, glitch, or unplanned expense. If you are talking about credit card and variable interest debt, the interest on this type of debt is most often calculated on the amount owed daily in one way or another. For many, paying early in the payment period has Dvantages over paying on the last possible day.
@ Thanks for the tips.
Newbie here! I started taking breakfast of cornbread and hot tea. This saves me $6 every week day. Look forward to watching your no spend challenge. Happy Holidays, and good luck.
I so needed this motivational talk! I am selling my handbags and declutterring my closet! I asked my family for gift cards for Christmas so that I can use those for after Christmas purchases! 😊. Trying the no buy for 30 days!
Commenting again - you were talking about REAL money - this works for me, also I found I need to WRITE DOWN my budget ON PAPER, not use an app. I use a pocket calendar for this, I save my receipts and write down any purchases in the calendar on the date of purchase, with a short note on what I bought. At the end of the week I sum it all up and same at the end of the month. I has REALLY helped me to understand the value of money.
This is smart to use a pocket calendar.
I used to make grids in a notebook
@07ikkin my brain perceives things a bit differently, so seeing the week on an actual page really helps! I don't do as well with dates in columns. "Know thyself", I guess!
@@pdk9903 do you use the really tiny ones though? I feel like everything I buy may not fit on one day if I go to multiple stores 🥴
Hello...I like it and I'll join you for 90 days! My motivation is saving more money. I will say it seems like a couple of your 10 rules are breaking your rule of "no spend" ie. Thinking about a thing for 2 weeks before buying it. If you are not spending...also the replace shoes or clothes when they wear out. Nothing is going to wear out in 3 months and if it does you probably have more than one like the medium brown purses 😊. Just saying don't allow any outs before you get started. For me i'll buy gas and groceries and groceries will be budgeted. Anyway...I'll be praying we both meet our goals!!!
Agreed. She has an “out” for every situation. Not sure if this is going to work if you have an “easy” out. Just my opinion.
I’m joining this too!!! I’ll come back in March..💃🏼
Yes!! I’m doing a No Buy Jan and Feb 2025- your video may have just inspired me to make it be the whole first quarter as well. I like your rules a lot! My basic overall rule is… “No buying anything unless I absolutely need it.“ I should have enough makeup to last me for at least several months… I have enough clothing… I don’t actually “need” any new home decor… So basically there will just be no roaming around stores for fun. ☺️❤️ I gotta pay down these credit cards and save a little money! Good luck to everyone!🙏🏻💪🏼💪🏼
I’m going to join you in this challenge. I don’t have any credit card debt but I spend way too much money on anything. I need to do better to prepare for my future.
Have a Written Budget, It helps tremendously
GREAT RULES!
I can so relate to this video!
I'm glad that I am not the only one who struggles with these issues!
Thank you!
I am planning to do a low buy for 6 months. I will allow myself 100 euro per month for going out (museums, drinks, sauna etc) so I have to choose at forehand, because 100 euro is not that much. But Iam not allowed to buy physical items for 6 months. Maybe a good rule number 11. Dont even allow yourself to walk in to stores like Tjmax. If youre are not buying, dont go in. I am not allowed to set 1 food in a perfum store for the comming 6 months
I'll definitely be using ALL of your challenges, but I will be using my credit card. I recently set up my checking account to where I'll only have $500 a month available to spend on essential (Gas, Groceries, etc.) after that I ain't got it. I'll use that money to pay off my credit card.
I get what you’re saying, I’ve just been using mine too much so I need to stop lol 🫠
Yes. Self enforced brokenness is sometimes the only way
@@lifeandnumbersGirl...me too! I told myself cash is the way for 2025.
My credit card company moaned at me for pay for items within two days of purchasing on the credit card. I asked them for their bank details so I could make a direct payment within two hours.....I don’t think they like me! 😂
@@myhubbyislouisvuitton4218 lol.. I'm here for either the rewards or points..
I need to pay off debt, and videos like yours are helping me being more determined about my goal, and your tips are very useful. Thank you ❤
That's for the tips, I will be using all of them! I've already canceled several streaming subscriptions and downgraded my internet plan.
Glad they helped! I work from home and can’t really downgrade my internet but I’ve been cutting streaming subscriptions too!
Thank you. This is my new year challenge. I am on vacation now so as I get home I will be selling lots of stuff. Good luck.
I’m going to do this with you! I’m excited to see how much I can save in 3 months also. Starting to prepare today with cancelling some monthly subscriptions and memberships I think I can live without and replace with free activities instead. Looking forward to following you on your no spend experience!
I’m glad I found your channel.. I have a spending problem but a few months ago I had cut back and I going to do the no buy but on a monthly basis to see how well I do.. Thanks for sharing your tips girly 😊
I've been planning my no buy for a few weeks now. Thanks for sharing your method girl
My adult kid and myself are doing a no buy year. Our goal is debt pay off, and savings
Y’all can do it! 👏🏼👏🏼
I love nice things too…I am doing a no spend challenge starting next year…I am not buying any new clothes unless it’s under garments…lord knows I don’t need new clothes…No new shoes, I have way too many!! I need to pay off credit, and pay for trips. I have canceled subscription services and plan to sell some clothing and shoes. Good video and tips! Oh and I was so good with meal prepping for 6-7 months straight and then I fell off and was eating out, ordering food delivery. I hid the uber eats app from myself so that I can’t use it. That’s been good for me too!
Definitely needed to see this! My splurging has become commonplace since COVID. I also desire a new space, but that requires money honey! I'm joining you! Thanks for sharing this healthy message❤❤
I’m interested to hear how this goes. I hope you’ll keep us updated. Good luck!
I'll definitely keep you posted!
Girl this is for me. I’m buying a house in Jan and I just wanna spend and have instant hominess but I need to pace myself 😂
Happy for you stranger🎉
Thrift stores work.
I do these a couple times a year as a reset. I have one planned for January. I just purged my closet, got some great pieces that I don't wear, so back to the gym I go. Setting up my accounts for auto saving and payments for January.
I found out with the holiday scents, like the gingerbread body wash....it may go on clearance after the holidays. If you like that scent in general, after Christmas would be the best time to see if it goes on sale.
The not buying duplicates make up items will be so hard for me. But imma be strong with you.
All of these are great ideas. Good luck!
Thank you!
So glad I stumbled on this video. One of my goals was being more frugal and intentional with my finances this year, this video helped align my goals with reasonable steps. Thank you and looking forward to our success in getting out of debt! When we are debt free, we can buy what we want then. 💪🏿
I'm joining you! I buy things I don't need and I want to do better! I tend to stock up on items that take a while to use up. My goal is to use up what I have before repurchasing. I want to go into 2025 with a "if it's not a need, don't buy it!" We got this!
Love your honesty and candid comments. I’m a sucker for shoes and purses… and I’m trying my best to minimize those two collections. I’m trying a No Buy of Impulsive purchases and only buying necessities; I’m hoping I figure out the shoe & purse favorites and go from there. Your ideas are great, and thanks for the inspiration!
Regarding that caveat for the not buying new clothes, you could also consider learning how to sew holes in your clothes closed and going to a shoe cobbler before you buy a new clothes because they are worn 2:03
I like your rules! I think having rules helps me stop and think before making a purchase. I am trying the same; “no buy” for the first 3 months of this year, so that I can afford a trip later in the year. 😊
This video is so good and well timed. Thanks for helping motivate me to get my act together. Good luck on your no spend journey. We got this!
I’m doing this too. I started NO SPEND September 2024. Although, I do purchase few items; the NO SPEND keeps me disciplined.
That’s great! That’s what I’m hoping will happen for me too, being more disciplined.
Loved this video. We are doing a no buy this month. I might continue it into the year but I wanted to start with a month since we’ve never done something like this before. 😄 We always spend cash/ debit on everything but we do have certain categories that we just spend too much money on and we want to get my car paid off asap. So here we go! 😆 good luck!
lol this sounds like me! 😂 I just bought a house, I have 3 jobs and I still spent too much smh. I’m joining this challenge!! 💪🏽
It's sooo easy to get carried away, especially when buying a house! But we got this! 💪🏼
I'm doing a Low Buy Challenge with a "No Buy" list. I did a NO BUY previously and ended up over spending the first chance I got. I have similar items on my list. I'm cheering for you, good luck girly.
Yeah I definitely have to be careful not to relapse! Good luck on your challenge!
Yesss... I'm a Taurus, and I love the finer things in life. When I furnish my house, I'm doing it all at one time, lol. I like what I like. ❤😏
Trust me, I understand lol 😩
i'm trying a no buy year! I love fashion an accessories to the point of insanity with reckless spending. SO for me there will be no new clothes, shoes, or handbags this year. I have plenty and vow to shop my closet in 2025! Good luck to you!
Great video! Personal finance is so important. Im on a low buy and starting with Q1 as well. The hardest part is food for me. I cook alot but eat alot.
Food is one of my biggest weakness too but we can do this!
@ just made brunch 💃🏾💃🏾. I noticed once you get used to eating in it becomes easier.
I realllly neeeeeeeeded this video. Thank you for breaking it down. I feel called to join you in this challenge. The Amazon delivery guy will think something tragic has happened to me 😅
Love this; same boat when I bought .. it gets better .. I also had to cut traveling for a min and I love to travel but it helped. Thrift stores are amazing for great home findings. Cookbooks! Thanks for sharing!
Your rules are just like mine and I am also working on paying down credit card debt. Good luck!🍀
Good luck to you too!!
I'm doing this for all of 2025. My goal is to get serious about savings, retirement, and investments. My main issue is traveling. I don't budget to travel; I put it on a credit card and worry about paying for it later. I no longer want to operate that way, so this year, I plan to pay off debt and begin a sinking fund. We've got this!
True. I've been more successful on buying thungs when rhey run out,except at holiday markets and trips. But still been more disciplined with that. Looking forward to this challenge. I need it
Yup I'm doing a 1st quarter no-buy ~ mostly makeup / clothing unless I need something. Best of luck 🍀to you on your challenge!
Good luck to you too! 😊
I have some credit card debt to pay off too…I’m going to try this for a month. I do better with short term goals then adding more months on as I succeed. I’m going to start taking cash out for my groceries and not using my CC either! Good luck to everyone!!!
Are you still budgeting every month? You could add a line item for fun money and not it build up for those moments when you want to splurge a little…
Yep, I still budget! I need to do a new budgeting video soon. But I do leave some “fun money” for every paycheck.
I am preparing to start this as well January 1st. Thank you for all the great ideas!
I canceled Prime a few years ago. I unsubscribed from promo emails. Definitely meal prepping more in 2025. It’s healthier for my body and bank account.
amigaaaa, estou torcendo por você!!!
These are very helpful tips! I’ll be incorporating some into my no buy! Good luck ladies!
Good luck!
Good video, subscribed right away
I’m also hoping on this challenge to save up for my wedding 💒
Good luck to us all !💕
Welcome to the channel! And congrats on your upcoming wedding!!
Excellent video! You have some really good rules, where was this video back in 2021. You got this!! Thank you for being relatable.
Great topic! I do no spend months. I will definitely do a no spend January month to save for upcoming trips next year with the exception of necessities. I do love to spoil myself though. I can definitely relate with several of your points. I do have an online store that helps with my purchases or impulse buys. I also just love thrifting and sourcing to sell.
Thank you! I needed to hear this
This was so helpful as I am on a no-buy journey for the unforeseeable future. It is not easy because ya girl loves nice things and I have an obsession with jeans and shoes and boots and bags and perfumes and lip glosses ... and ... and.... But the way my mortgage is set up, 2025 is about being mature and using wisdom with my finances. Challenge on!
Girl, same. It's both a blessing and a curse liking nice things 😩. But we're doing better in 2025!!
Great video! So much good sense. You’ve inspired me to do this with you in 2025.
Love this video! This year is my year to change a lot of things about my life and spending unnecessary money is one of them! This is are great tips to help me get started 😊
I love this😍. I'm doing the same thing this year from 🇬🇧. Thanks for your tips.
I'm glad the tips are helpful! Good luck on the challenge!
OMG! I have been thinking of doing this. I will join you!! Thanks.
Yay, I won’t be doing it alone lol!
@@lifeandnumbers Can you share where you bought your candle warmer from?
I love this!
I’ve also decided to challenge myself to a no buy challenge this year.
1st: buying myself clothes, bags, shoes, accessories, etc. I have sooo many clothes with tags on them that haven’t even been worn. (It’s sad smh)
2nd: buying toys for my kids. I’ve went through their toys & packed away so many they don’t play with & will unpack them when they get bored with the current ones they play with.
3rd: done using my credit cards as well. . Unless it’s an emergency & I need a little extra.
Good luck to you & Happy New Year ❤️
When I go out I make sure I have filling snacks in my vehicle. I have three kiddos so eating out adds up!!! I will even go so far as to pack a small cooler with cheese sticks etc.
I also try to stick to A grocery day. So if we run out of something before the next grocery day, we make do and add that item to the grocery list for next time.
I also have been returning to making many things myself. So it's not overwhelming, I wait until we run out of some before I start making it. For example, we just ran out of laundry soap, so I am now making my own.
With kids, I keep powdered milk in the house and use that in recipes that call for milk. We save the jugs of fresh milk for drinking and cereal.
I too make a lot of stuff myself, cleaning sprays, shoe polish, laundry powder toilet disinfectant, dishcloths etc. I love making stuff, and creativity is a way to curb spending for me. So much more gratifying!
@@pdk9903 It is also empowering for me to not contribute as much to Walmart or Amazon's overall profits.
@meegankainady6136 absolutely!!!
I am going to be making stuff as well from bread, to mayo, and anything else that will shorten the grocery bill. We are also thinking about cutting back on meat, it will aid in health and saving money.
@sunnyt264 adding lentils or oats to ground meat will stretch it too.
I’m selling my Louis Vuitton it’s hard to think about but no sense being in debt and carrying designer unless it’s a gift
I do this every year from January until my birthday in May. Stay out of Target 😂 only do drive up!! You'll save yourself tons of money. Actually you can do drive up for most stores. Good luck Sis🤩
This is plan this year especially with Target..I need to stick with the basic necessities and nothing extra.
I love your video! I have placed myself on a challenge for 2025 as well. But, I really want to try for the full year. So we'll see how it goes. Need to start living below my means, a more minimalist lifestyle to save more for retirement and invest more. As well, my plan is to give away things I no longer need. Take Care!
For your restock rule, I highly suggest keeping track of the items you used up along the way. I started that Jan 2024 and now my list at the end of the year is 98 items used up! This helped me stay accountable to using up the products that I already have instead of buying more.
I’m glad I found this because I had committed not to buy unnecessary stuff.
There’s been a lot of life happening and not enough numbers lol joining you on a no spend in January. Looking forward to your budgeting and debt payoff videos! You got this
Haha I like how you phrased that 😂. We’re going to get back right in January though 💪🏼
These are really helpful tips. I'm going to do the challenge with you I've been watching the video daily so I won't forget. I like your rules I would just add to them the things I said in previous comments.
Wow I can relate to all of this! I am going to be doing this as well! Good luck to you. Will be waiting on an update 😊
Good luck to you too!! Let’s do this! 💪
I think I want to try this challenge with you.
The more the merrier! 😁
Good for you to know you are in debt . Living paycheck to paycheck is terrible. One major crisis away from major debt. Interest rates on those cards….have a look at what you are paying! Blessings ❤️
So glad I came across your content. New subscriber!! 🎉
Welcome!! 👋🏼
Thank you for your honestly and your video!! I am also going to do a no buy “challenge”
I already go to the second hand store first for anything I need, but def use this as retail therapy. Trying to work out instead
Thrifting is a great idea! In the past, I wasn’t really patient enough to search for what I needed, but I need to do better moving forward.
I am practicing some of your new rules this year, however I will increase my rules as well. Thank you for sharing this information🙏🏼
I LOVE your authenticity!! Subscribing for sure! I'm also going to do a no buy challenge at the beginning of the year, too 🎉. Glad that I won't be alone.
P.S. I defo know about the desire to buy everything all at once with a new place#BeenThereDoneThat😢. Soo excited for your debt journey. Keep us updated😊
In doing a no buy year too in 2025. I think I will also first concentrate on the first three months to see how it goes
I really just love your videos! I have a goal of saving well and having no buy “seasons” 🤣 and I like how realistic your no buy challenge sounds!
I needed this. I have to do better. 😂 My don't need and overbuying spending is ridiculous. Thank You!
It happens to the best of us 😂🫠
I haven’t bought anything other than groceries for 6 months now. It’s still challenging but I have saved so much money and realize how frivolously I was spending. If I can’t pay cash for something then I don’t buy it. That’s on groceries and necessities. Good luck.
loved the video. i am following suit. I just watched your visioning board video from 11 months ago. It would be so cool to see you go over what ended up coming to fruition for you in 2024. Just an idea no pressure.
Girl I am praying that it goes so fabulous for you! And I know that it can be a lot but document how you feel during you're no buy. Another channel that I really loved was Hannah Louise poston she documented her journey of doing a no buy at it inspired me to do one a couple of years in a row. As a matter of fact I am going to do a no buy for the entire year in terms of hobbies. I did clothes for myself last year And it really helped me to what was in my closet that I was just neglecting. But I know you can do this girl!!!
A fried egg on toast for supper when I don’t feel like cooking is one of my fav things and it’s fast and easy.