10 Bad Money Habits That Were Keeping Me Broke
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- Опубликовано: 19 окт 2024
- In today's video, I'm sharing all the bad money habits and bad money mindsets that played a huge role in keeping me broke and stuck in a cycle of debt for way longer than I wanted to be. When I started to face some hard truths about myself, my habits and my mindset, that's when I started to build more confidence around my money and when things changed.
#moneyhabits #debtfree #personalfinancetips
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I am on my first no buy and what is helping me is the question "what are my options if I don't buy this thing?" And I keep finding an alternative.
Same here, week 1, wil go on till next summer. Had 7 things on a "need to buy" list, but 2 of them I already found in my own home so I scratched them 🙏🙌
That’s so good!
That's such a good idea thanks !
Yes!! Love this!! ❤
Thank you, that's such a very good question to spin your mind in another direction, away from mindless wanting and towards gratitude for what you already have and also towards creatively looking for a solution 💜
My biggest tip is adopting the mindset that “just because I love it, doesn’t mean I need to own it.” I can appreciate things without feeling the need to own it or control it, and Ive found that attitude shift to be lifechanging in more ways than just money. Just like I can love dogs without needing to own one, I can love a dress without needing to own it, and I can love a person without needing to have them in my life 24/7. I’m incredibly fortunate to have no debt aside from my mortgage (which, in the GTA, is no small amount) but I’m definitely susceptible to lifestyle creep and had to really have a serious talk with myself.
A wealthy colleague of mine often brings *hotdups* bags to parties, but because she is dressed in high-end jewelry from head to toe, no one would think her bags are fake!
GTA...like the game?
@@statehouse8432Greater Toronto Area
this is really helpful thank you!
Just discovered your channel and I love it! Funny thing is, I saw a girl on the subway last week wearing a New York Demerier midi and I totally fell in love with her. I want to buy a*jklux* .This will be my little birthday present. Thanks for your channel.
Something I've found that has been helping me with that online shopping dopamine is to put all the items I want in my cart, see how much it adds up to, and put that into savings. I get the excitement of spending and the sense that the money is gone, without actually losing the money.
i dont get the dopamine from the ordering online part unfortunately, only the unboxing bit lmao
True
lovely video, simple tips that def helped out so I’m keeping the timestamps of each topic:
1:12 Spending to save
2:10 Not being able to pass up the deal
3:34 Lifestyle creep
4:45 Fantasy self spending
6:57 Using credit card as a crutch
8:59 Not prioritizing investing
10:05 Not paying yourself first
11:41 Always prioritizing instant gratification
13:00 Saying yes to everything
14:04 When-centric thinking
Thank you for saving me some time.
I had a great friend in college who started teasing me about how I was so tight with my money. SHE was always in debt and had REALLY nice clothes, etc. I started loosening my grip on the very little money I had -- treating myself more often. Mind you, buying diet cokes at the student union I actually could not afford but I started doing that and similar other things. My advice -- don’t listen to what other people say. If you have to drink tap water, drink tap water unapologetically. You will eventually be in a better position to have more treats, clothes, trips whatever. Be grateful for what you DO have and remember, too, that being thrifty allows you to be more generous to others -- very gratifying to be in that position today at age 59.
Great advice.
I'm 47 and feeling that way too. It's so nice to be able to help other people and it really does make me feel MORE excited when I do that, than splurging on something silly for myself. Obviously I still shop and enjoy my life! But in general...thriftiness pays off in the long run for sure.
But at least FILTER that tap water in order to stay healthy and be healthy by the time you're rich 🙏
@@seltzermint5that's awesome. I'm 34 and currently feel lost. I love taking advice and listening to older women.
A wealthy colleague of mine often brings *hotdups* bags to parties, but because she is dressed in high-end jewelry from head to toe, no one would think her bags are fake!
I feel like the more that I save, the harder it is to spend because it hits home that the money is real and how much work it took to accumulate. Buying on credit is the easiest way to spend too much in an instant.
Right?! 😅 I had to realise though that it’s ok to have things
I really love your taste and style always so chic. My faves would be the*jklux* leather backpack and the Swarovski pave diamond ring so gorg. Thank you for your recommendations.
A trick I did, is if I want something I “pay double” that cost of the item plus saving the cost of that item.
That’s brilliant!
Sorry I don't get it. Can you give an example?
@@e.k8548i think she meant if she were to buy $50 pants, she would spend $50 to purchase it and $50 to savings account
@@e.k8548for example, if you buy a pair of shoes that costed 70 dollars, you should save 70 dollars more in your piggy bank, what means you end up spending a total of 140 dollars
@@e.k8548 For example : if you buy a 50€ item, at the same time you put 50€ in your savings account.
To me, it’s very important to have ‘fun-money’. I treat myself with 500 Danish each month (around 70 dollars), and that is it. Then I really have to prioritize, and that’s healthy
I do this too, but my amount is 300 USD. However out of that treat money I also buy things like running shoes and new bras or even an extra stylish pair of specs. So it's not JUST silly items.
@@seltzermint5 I totally get it :) I use my ‘fun-money’ to be with friends and family, going to the cinema, or grabbing a coffee. Not that it has to cost anything to be with friends and family but sometimes it’s nice to do so.
I have a different account for clothes for instance (I have a lot of accounts 😅)
"it's not a deal if you don't need it!" ❤
I am 70k in debt (not including my mortgage debt). It’s insane. Shopaholic for sure and I wish there was a rehab for this.
There is an organization called Debtors Anonymous.
Try generic CBT
It’s from the world we live in. They are constantly pushing us to buy stuff all the time!!
Debtors Anonymous. It’s a thing.
Find a good fried to hep you. You’re spending maybe because you’re not happy and you’re doing that to avoid the pain.. Love your self !
I’m debt free after a few hard years, but always on the verge of going back. I still struggle with my fantasy self and working very hard on the problem. Tracking your expenses is a game changer, you’re right, but I’m not always constant… Thank you for those useful reminders.❤ Your hair is growing so fast!!!!
I feel you on this. That damn fantasy self.
Congratualations🎉 please hold on you can do it. Wverytime you go through something though, just remember the (maybe) sleepless nights and or stress because of the dept(s). Im almost out of the rabit whole of deps and because im increasing my payments i always say to myself, if i feel like shopping, value your peace and look forward to some numbers on your bank account instead of red numbers….
@@caitlinryder898right. My fantasy self is in Italy right now but real life I'm here working to pay of debt 😂. I'm going to Italy one day.
I discovered you in February, right after coming to terms with my very poor financial situation. Too much credit card debt, the realization that I spent just to feel, compulsive behaviors due to mental health ussues and just the amount of stuff in my house were all driving me into a deep depression. Luckily, I have a supportive family and a great mental health professional, but your channel helps me with the real life activities needed to be intentional. Styling over shopping, pay yourself first, never saying no have all helped. Please know that you and your channel make a huge difference in people's lives. Your attitude, personality and honesty are so refreshing
I definitely agree with a wishlist! I have avoided buying new things with this method. Most of the time I forget that I put the item on my wishlist. If I keep thinking about the item, then I know it is a purchase that is worth it to me.
I'm transitioning from university to working life and this video came at the perfect time. There's so many things I need to buy and can't afford right now, but I don't want to "upgrade" my lifestyle the moment I get my first paycheck. Money can bring security and opportunities, but not if you spend it quicker than you earn it.
It’s so common to have more money when starting to work after Uni and spending more it’s very common! Good for you to try to not do that!
Being in debt was the one thing that kept me awake at night!
agreed! the worst anxiety i ever suffered was when i was unemployed and didnt have a steady income. i couldnt go a single night without waking up with my heart racing
@@RedPandaNinja6886currently on my debt free journey now.
I honestly wish my past self understood, this mindset. I am now my "future" self, in my early 60's and scrambling to pay off debt and save, while I will have to wait until my 70's to retire. Seriously, the future comes fast.
I’m still a work in progress but one thing I do when I’m thinking of making an online purchase is I will check my current credit card statements and ask myself do I really want to spend more. It’s a way to help me reality check myself. If I don’t feel comfortable with it, I don’t spend it. Because in reality, I’ve been just fine without the thing for the most part. Only the things that I feel are worth it, I don’t feel guilt over.
I have put myself on a clothes shopping ban, so that I actually wear what's already in my wardobe. My only exception last month was a Spice Girls tshirt for £8.40. Well worth it, the nostalgia helped me decide to buy. I know its something I'll cherish for a long time!
I was in a really good place, but then I had a baby. I started buying my baby anything I wanted because he's my baby. Then I needed clothes for my new body, but then I lost weight and needed other clothes, and then I realized my whole style changed because I have a new silhouette. Then the excuse was "I have a good job", or "I'm a hard working mom I deserve to buy myself some nice things". So now im clawing by my spending habits (its clothes. Clothes have a choke hold on me). I literally just unsubscribed from a bunch of promo emails while watching this. Thank you for the reminder!
Omg I'm like you right now 😅
Acknowledging the problem is the first step! 😊 I’m not a mom but I can definitely see the moms around me struggling to keep up with the latest parenting must-buys, maintaining appearance/style after having a baby, everything like that. Wishing you luck!
The best thing I ever did was to get rid of my credit card. If I don't have the actual money in my bank account right now & can't afford something by paying with my debit card then I just simply can't buy it. When I had a credit card years ago my brain almost treated the limit like a target to hit every month. My spending was ridiculous back then.
Same.
Excellent video! Although I am aware of all this, it is always a good reminder to hear it again in such a clear and structured way. Thank you for your great work🧡
Thrifting can be such a slippery slope. I used to shop at ThreadUP all the time because shopping secondhand is good for the environment and cost effective. However, I definitely shopped for my fantasy self and wound up with a closet full of clothes that did not suit me.
When I started pursuing lowering my consumption, I went back in my threadup orders and made a tally of the total number of items that I bought, how many I had declutterred, and how many I still had. I also calculated how much I had spent. It was very eye opening and humbling to see how much I had ultimately wasted. I highly recommend doing something like this with your wardrobe if you want a reality check! 💕
I only thrift shop in person, but I have started a rule for myself that if I'm not truly excited to wear or use the item in the next WEEK I won't buy it. The only exception to this for me is buying an out of season item like a fantastic sweater or coat in the summer, cute summer dress in December, etc. I have to love it. Too many times I would buy a cute enough top just because it was $6 but it didn't mean I would ever wear it.
I was unsuccessful with my no buy but it did help me and still does. I started writing down everything I was purchasing outside of food. It was incredibly eye opening just to see where the "extra" money went.
I love your advice with thrifting. Ugh. That is me 100%. I have really attempted to be strict and keep to the list.
When I sold my last house I offered my credit card companies to pay off my balance, excluding the interest of that ridiculous 19%pa or whatever, in one go. They had the choice of accepting me paying off everything at once or to keep getting small amounts each month as usual. ALL of them agreed to the payoff and dropped the interest demand. I cleared 5 major credit cards that way. Just went to show how little they actually need the interest.
I’m curious but definitely not following. Anyone can pay off a credit card in full at anytime without an agreement. What an I missing?
@@sweetpeace5 Yes, you can always pay off the complete amount but in my case it wasn't just the monthly spend on each but ca. 5.000 pounds per card...so thete' s interest on each card on top. They agreed for me to pay back the pure purchases, excluding their interest on them.
@@sweetpeace5I’d like to know too. Because if you pay it off, you avoid the interest 🤔
As in you offered to pay in full what you had purchased over time, but not all of the interest charges that had accumulated during that period?
@@aliciagoodwin2141 yesssss...that's it. And all credit card banks agreed to this, Barclays, MasterCard etc.
I too had a huge shopping addiction mainly after getting divorced I was really down and frankly just hating myself and the world and anyone in a "good" relationship. So I would shop to "help" myself feel better until surprise i was in debt with my credit card.. I have managed to stay debt free for 13 years now with a credit card and then I had student loan debt but, that is no longer an issue. It is actually a relief to not have any more debt. I can save, invest, and also plan for my daughters future. I also feel that I can breathe again. Thanks for this video.
Number 2 hit me where it hurts. Thrifting has become an avid past time of mine. You're so right, it doesn't cost much so it's easy to do but it does take up space at home. Also, just because it's a good deal doesn't mean I need it.
The combination of not wanting to miss a deal/sale and buying things for my fantasy self have kept me broke for years 😢😢
Great video Christina! ❤
I feel this
I have been guilty of spending to feel. It's that quick hit of gratification and then the inevitable come down and the ensuing feeling of guilt. I realised that I could get a buzz out of putting that money into my savings and gamifying it - watching that money earning even teeny bits of interest is an amazing feeling and finding new ways to cut costs has been challenging but fun. Your videos and infectious energy has helped so much. When I feel myself slipping I come back and rewatch what's inspired me in the past and read through the comments. Brilliant support network so thank you and thank you to your fans too! Keep up the amazing work. x
One major problem that I have with budgeting is : I can never get it right. Like not the regular bills or stuff like that, but every time I tried to budget, I realized that I had some important spendings I didn't count (like birthday and Christmas presents. With my family alone I have 11 presents to give in a three months time. If I don't budget for it those three months are brutal. And no, gifting some "homemade free stuff" is not an option). But when I tried to REALLY budget and count EVERYTHING I got so overwhelmed. The thing you said about your everyday life VS luxuries really resonated with me here so thank you for that ❤️
Talk to your family about gifts and expectations. Get everyone on the same page about spending a nice family dinner or time together instead of spending on unnecessary gifts. My kids haven’t asked for gifts since they were maybe 9 years old. They get things as they need them or want them throughout the year. It’s normal for them. They now think gift giving is wasteful, which it is… why buy something because it’s December 25th, instead of buying something because you NEED it.
@@Raec123 I appreciate the sanity of this but, as I said homemade stuff are off the table, I guess you can imagine that having a sit down with my family and revise the whole way we do celebrations is not an option either 😅
Furthermore my problem is more on the planning, where I consistently forget some expenses (which gift giving was just an exemple of, however frustrating that one may be 😅). I get confident that I plan all my expenses and needs, so I think that I can afford something, but then I remember that I have something to buy and it throws my whole plan out the window 😓
Have been on a rollercoaster ride of paying off debt the past few years. As a mother, it always seems like just when things are paid off another big expense comes out of nowhere for my kids. Lately I have been sticking to a weekly plan of first paying every bill budgeted for that week, then buying groceries, and last putting every extra dollar to credit card debt. It makes for a broke week, but it has helped me from impulse buying because I'm literally forcing myself to be broke, so nothing is there to waste on nonessentials. In combination, deleting credit card numbers from websites, no e-wallets AND freezing all of my cards. I would have to go thru a multi step process to use a CC, and that has really helped me from impulse buying with one.
❤
Oh, freezing your card is a great idea!!! I am gonna try that. Good luck to you 🩷🩷🩷
@@josshl5064 it has really helped, and you can always unfreeze it when you have an emergency need. Good luck to you too! 💞
We’re debt free but we do still spend more money than we should on stuff we really don’t need. Need to keep it in check.
Please keep your eyes, ears feet and your whole body on it not to go back into dept, wishing you and your spouse the best❤
I'm here to remind myself that it's best to use my money for my retirement fund or going to the dentist, than buying on sale just because it's on sale. Don't get me wrong I buyed some boots and stockings because mine needed to be replaced but I don't need a new blazer when I have ten. Thank you for your content 😊
When I got raises I would increase my 401k contribution by that much so I wouldn’t miss it, still hoping to reach the max I can contribute.
Such a smart thought!
I’ve done that for decades….now looking forward to a comfortable (I hope!) retirement in the near future!
This was really useful to me. While I am not in debit ( though I do owe a bit of money on my VISA) I am not good with money and spend too freely. I think what traps me in the instant gratification you mention (and you are so right, it is way too easy to spend nowadays) is the excitement of receiving a parcel and that “you’re item has been shipped” buzz. It’s like receiving presents, except you’re paying for them. While I am not cured (I do have a few parcels on the way) I am better. I have unfollowed all the influencers I used to watch as I realised it was really dictating my shopping habits. I put money every month into savings and have three separate pension pots for my future. I just need to be more disciplined with that “buy now” button.
Its helpful to remember that most brands have a sale every holiday, even on small or non-commercial holidays. You don't need to buy it now - think about for a while and the sale will surely come again.
Great tips! I'm guilty of buying to "save" whenever I see a deal. I fall for it a lot. I'll have to remember this. thank you!
I pay myself weekly. I get paid every Friday and do a saving challenge sheet that I color in that states the fixed amount I want to save and I color in the numbers that I’ve saved so far. It’s super motivating to do and it’s become such a habit to save that I don’t even think about it.
Such great advice for anyone. Especially in your 20’s. I’m currently over my head in rent and trying to find a way around it
The advice on not buying for you fantasized self is suuuch a great advice !
Although this was not the topic this video started me thinking about continuing to add to my investment account even though I am retired. I have a simple lifestyle and could probably save more without hardship.
Thank you for your candid advice. I have always had a bad relationship with money. I have overcome the guilt and been able to create a good budget. I still miserably fail to budget on those things that are not a specific amount every month, like groceries. I also buy too much stuff - you are right I like the deal and the way it makes me feel. I have had some health and mobility issues in the last couple of years so that leads me to my go to of "buying stuff to make me feel better about myself" - which of course has the opposite affect. I am at this moment "my future self" as far as just turning 65, and am in no position to be able to retire. I just wish I would have realized this so much earlier in my life. I am very good about passing this advice along to my son, so that he doesn't end up like me, with not enough money for my future self to retire anytime soon. I don't mean to sound like a Debbie Downer because I have made great strides with saving money, but I struggle with the budgeting.
My goal this year is to completely pay off my student loan. It's completely achievable if I go ham on all these little bad money habits. This video is so useful! Thank you so much!
Just started a brand new job where I am making $20k more than I have ever. So today set up 401k and did the max contribution that I can. Will set up auto savings this week. The one thing I need to do/want to do is to budget and track. Thanks for the tips 🎉
I really struggle with saying no to things and scarcity mindset. I’m trying to work on making a wish list of TYPES of things I want, and it can get brand specific, but where I get caught is when I’m actively browsing the web for things, and it’s tied to taking breaks from doing focused tasks for dopamine hits. I know what brands I like and assume they’ll continue to offer whatever I’m looking for in the future, but it’s hard to shake the “it’s available now so I should grab it before it’s out of stock” feeling. I have an over-abundance of clothes and debt / travel / health goals that are looming, but this issue with scarcity outshines all of that so strongly on a daily basis
I totally feel you!
Something that helps me, and yeah its kind of morbid, but I think “when I am on my deathbed will this matter at all?”
Also, have you watched any of Hannah Louise Poston? She recently did a challenge about this exact behaviour. And she substituted this break time scrolling with reading or letting herself be bored. I’ve been trying to stare out windows more and daydream, and its really nice when I remember to do it!
I bookmark everything I want to buy and periodically go back to look at the bookmarks. More times than not, I don’t even like the item after a period of time, or it’s no longer available and I don’t care about it anymore, or I forget I even saw it in the first place! But if I keep going back to the bookmarks and still loving the item (and hopefully finding it on sale at this later point), then I can consider actually purchasing it. This has saved me from tons of impulse purchases over the years!
I learned something new today! Fantasy self. I’m unaware that I’m doing this a lot. Wow.
I got a really good tip from my cousin. We went shopping, and I wasn't sure whether I should buy a piece of clothing, and she said that I just need to sleep on it. If the next day I still believed I needed that thing, then it was worth it.
Thank for sharing. Really good idea of "buy the product rather than the deal". I never thought about that. But now I think about it, yes, a lot of time I feel happiest when I just bought the product. Then the happy feeling gone quickly. Maybe I need to wait before I buy anything!
So good to hear this when I'm about to start my first no-buy month, thank you!
You’ll fail probably 😂
good luck!! you can do it 😊
Come across this video randomly and I watched HIDUPZ . OMG your closet is every women’s dream! Love your voice and the way you talk
That’s so true about the illusion of saving on different deals and sales
girl you ate this up! i am so grateful i passed by this video i learned a ton thank you so much!!
Thanks for all of these tips. A bit off topic, but love your hair length. White blazer is great as well : )
Completely in love with your videos! THANK YOU! I needed this 🫠
Fantastic video Christina. I tend to buy for my Fanatsy life. I am retired in a small town but shop for stylish city outfits I rarely wear.
These are pearls! I wish my younger self has known and practiced this.
I find it hard not to be trendy. It feels like everything at certain points in time is about all you can find and goes together. Like a tunic top doesn’t go with high waisted wide leg pants. Finding cohesiveness between all these colors and cuts is tricky.
Thanks, very helpful!
Buying to save can be useful. I always by toiletries on sale, toilet pater, laundry detergent, canned or frozen food. I will use TP in the future, I will need to do laundry. The twist is I keep extra on hand so I can wait for the next discount at one of the retailers I visit weekly.
I cannot be more frugal. I have all ways been very good with money. Your tips are great. I agree. My executive team needs redirection and a more strategic mind set. Role out the red carpet leading in a professional lucrative destination. The staff is running on empty and needs refueling.
I’m currently borderline drowning in my savings and I’m tired of it. So this video couldn’t have been a better recommendation!
honestly what helps me the most is as simple as "do you WANT it or do you NEED it?"
Out of topic but you are so pretty. Looks so classy and elegant. Love your vibe so much. ❤
I have never heard of 'spending money on my fantasy self' - but omg this is such a trap I fell into, especially with buying clothing! Thank you for educating 🙏🏻✨️
@11:45 That‘s a good one! And oh man, my former future self, which is obviously me right now, is pretty pissed at myself 😂
Love HIDUPZ the way you show it! You really focus on showing off the bag. I don't think any other RUclipsr can show off bags in as much detail as you.
This is one of the best videos I’ve EVER seen breaking down the mindset of (over)spending! Incredible job!!!
Instant gratification also includes quantity-over-quality-thinking, or maybe that's a different point. Sometimes waiting and spending on a quality item will save money in the long run (in regards to replacement/repair costs, and also related costs like energy or water consumption of houshold appliances)
10 Bad Money Habits
1.Spending to save
2.When you can't passed up the deal
3. Lifestyle Creep
4.Fantasy self spending
5.Using a credit card as a crutch
6.Not prioritizing investing
7.Not paying yourself first
8.Always prioritizing instant gratification
9.Saying YES to everything
10.When centric-thinking
Hey Christina, love your channel 😍 Could you do a video on how to start investing for the girlies who want to start but are feeling too dumb / intimidated & overwhelmed?
One of my fav tips whilw browsing: If you see something in the shop or online take a picture/screenshot - you can always find it again if you REALLY need it - most likely you’ll forget about it, at least that happens to me haha :)
Great video. I also like your hair length😊. The wishlist has really helped me this past few years. Also I track all my shopping purchases every month so I can see what I am spending money on ( I thrift most of my clothes … but have become so much more of a curator of my wardrobe and am very selective about what I add to my closet $2 dollars or $200 I am very picky. “ if it’s not a hell yes than it’s a no.” $2 or not.” This last year I realized I was eating out too much so I started a year goal of healthy eating plan where I only eat out ideally 2 times a week. This has helped tremendously, healthier eating and saving money and losing weight too.
This is so helpful; especially the tip you gave about not using credit cards so easily and often. Thank you for this!
I began budgeting this summer. I figured out how much I was getting paid, made sure to take some of that money and move it immediately into my savings account, and then I began allocating certain amounts of money for certain things. From my paycheck, I'll move a percentage into my savings, then I'll pay off bills/payments, then I told myself I should only spend $_ on this, $_ on that, etc. The extra money left over is just to increase the amount of money I have in that one account.
Loved this video, as always, very resonant -- do you think you'd be able to do a separate video entirely on investing, specifically geared towards those who are new to investing? Maybe with some resources that helped you learn more when you were getting started on your journey?
Living within my means and unsubscribing to influencers that only influence to buy anything and everything.
Thank you for this reminder. Let me go return those 3 pairs of shorts I just bought because they were “on sale”. I was going to get rid of my old ones, but they work just fine and I need to remember when I actually NEED something.
Your advice is so real and doable!! Thank you!
Excellent video!
Thanks for the tips! I’m 14 and have been working on my familys foodtruck/now restuarant since I was about 12 and have been making very good money for my age. I’ve always struggled with saving and learning how to spend my money. I’ll make sure to keep these tips in mind the next time i’m about to spend.
Off topic but I really like the audio quality. It is so clear and nice to listen :D
My habit that I adopted to change my issue since Covid is to slow down and eventually lower what I usually stocked during discount or the scarcity technique that marketing strategy tends to trick you into buying. I live by the rule of if that’s discount but I don’t need to stock them because there will always something else that could be better and even cheaper.
Great video!! And your hair is looking better and better every video❤
I love your videos, they shifted so much for me
Christina please do more investing videos!
Clothes buying and plant hobby clutter are my issues. I do wear about 40-50% of my seasonal wardrobe (not my dressy closet) regularly now which is up from about 20%. But it just becomes an endless cycle of one-in/one-out.
Luckily I’m not #1. I see that trait with my parents. The fantasy self one is one of my struggles. Doesn’t help that I’m not my normal weight right now, too. Most of what I’ve been shopping for is related to our home. Home organization has been a game changer for me -organizing the home to be accessible and having clear bins in the pantry, etc…it’s just been adding on. The credit card is also killing me. I have student loan debt and health bills to pay off 😢
Thanks for motivating me to get on with paying the bills!
Thank you.. you are always so authentic.
Christina, please talk about how /where you go about investing small
You kinda give off that Miranda Hobbes vibe. Helpful video, btw😊
Good video!! Well delivered and well spoken.
Well, I’ve always been scratching my head about LYXBAGobsession with school bags and their practicality, but this video is adorable! Congratulations.
I realized I was shopping for my fantasy self…. so I moved to a city where it was not a fantasy.
It actually fixed a lot other issues in my life because my lifestyle was making me miserable
So before discounting the fantasy self… you should be honest with yourself on whether your lifestyle is an issue. If you’re shopping for a more outdoorsy life but spend 3 hours a day sitting in traffic on your way to work… it’s not necessarily the shopping that needs to change
I was never a spender, I learned fast, when I was 22 (I'm 58), I max out my visa at 1400 Can, my father was a wise guy and landed me the money, but I had to reimburse him without interest. I realized if I had paid the minimum, I will have be stuck forever! Sometimes I spend a big amount on my credit card, and it's ok because I have the money in my banking account, I am making interest for a month and not them making money at my expense. So I always saved and put money aside and be able to quit a job that I hated at 54.
The Fantasy self shopped is definitely a issue of mine 🤦🏽♀️
Another GREAT video!!
Your approach is simple, to the point, and so relatable!!! 👏🏻👏🏻👏🏻
My favorite tip is to remember my VALUES (authenticity, environmental responsibility, security, and peace)
When making money decisions, I ask myself 'does this align with my values'? This question answers things quickly and helps me stay on track while minimizing money regrets.
Wow that mic made a huge difference! Love your videos as always 🫶🏼
Being in debt was absolutely stressful😅
Appreciate your practical insights and frankness! GBY ♥
love how u explain things. 💯