Why I Stopped Spending Money
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- Опубликовано: 10 фев 2024
- As someone who is a minimalist and has been practicing frugal living for quite a while now, I get a lot of questions about how to stop spending money -- and why I don't spend money in the first place! This month, I'm doing a no-spend challenge and I thought I would take you along for a "clean with me" day and we could chat about financial minimalism and how I stopped wasting money and started SAVING money instead! I hope you enjoy this week's video and don't forget to add your best money-saving tips down in the comments below! :)
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I love minimalism but why do you look sad? The grandmothers here in Italy lived in minimalism everything was shiny clean and looked very happy
This book was my beginner too
I stopped spending money out of force. The utilities, food, gas, and tax increases have left me no choice. I don’t have any debt at all, which I am so grateful for. I continually declutter which is getting so much easier as I have stopped buying things.
I'm a retiree in the same situation! I find it liberating to declutter, donate, and repurpose. It was such a triumph to get out of debt (medical) and finally be free. We are blessed.
Yeah. When you stop the inward flow of things, there's less things to declutter through.
I am also blessed with children and grandchildren. They love giving me stuff! 😄 @@thebestwillow
I heard from RUclips Carla Project set that if you clean your refrigerator it results in a financial positive surprise.
I think I'm going to be cleaning my refrigerator daily.lol
I am 48, and have zero debt. I don't even own a single credit card! It is such a liberating feeling when you're not tied to constantly spending on this or that.
3 Tips.: Don't expose yourself to temptation. Do not go window-shopping or browse on-line, don't go into thriftstores or antique shops or the bazaars. There is Always something to catch your eye and often awakens The Wants.
Importantly, do Avoid going shopping with friends who have more money to speand than you.
Also, going ot to look around for gifts for others is always a trap,. So just be deliberate in what you give, such as make a decision before shopping and simply give that----orr make a donation to Their Favorite Charity in their name., or sew/make/bake something just for them.
Old lady from California, USA.
That last one gets me hard. TJ Maxx has me wrapped around their finger when it comes to gifts. Thanks for sharing your wisdom, old lady from CA!
I love the phrase you used “awaken the wants”. It’s so true!
I shy away from going to stores even when visiting friends and family. I offer to look after things or do other chores while they go. I don’t need temptation. I also don’t watch tv with commercials. It interrupts my peace.
The thrift stores are my weakness. There is always some little gem that I know I will not find anywhere else. Thanks for the tips.
Regarding gifts for others, given the glut of stuff most of us have, I am getting into the habit of either contributing to necessary expenses (I helped my husband buy tires for his birthday) or experiences (concerts, tours, etc). No more stuffs.
Look how clean and simple her home is. I don't care how much money you have. I don't want a bunch of stuff around. Stresses me out!
Yes I agree clean and simple, but can you tell me where is the warmth within the house?
I@@elsands9774 I personally think the paint colors are cold. Warmer colors better. Earth tones so much better.
I think the warmth comes from those living there, her family.
@@carried2500 , Very sweet though.
It’s way too Spartan for me, personally, particularly the walls. I need art and colour around me, but everyone has to do what’s right for them. I do like her philosophy of cutting out needless spending. When I think of the money I’ve wasted over the years, especially on clothes - most of which I don’t even have anymore - it makes me cringe. 😬
I almost bough some new unneeded clothes online this morning and then I watched this. Needless to say I didn’t buy. Thanks 😊
Bravo and happy to help 👏
My husband asked me if u needed clothes today and I thought he was talking about throwing in a load into the washer but he meant going to buy new clothes and I happily said,”no, I’m good actually!” It felt good to pass up mindless shopping at the mall.
Thank you, this is very much on my mind right now as the costs of everything, food, utilities, etc are soaring in the UK right now. I’m having a lovely no spend Sunday right now. A walk in the forest with my family and Tilly our dog. Lunch at home, then I read my library book ( I came home with a stack of them yesterday and I’ve also been listening to free audiobooks from the library). Then I took the time, which I don’t always do , to teach my 11 year old daughter how to make a lasagna, so that she knows how to make her own food. Tonight we will have dinner and play a board game. A pretty good day and I haven’t spent a penny. That’s my money saving tip.
Sounds like a great day 😊
that sounds like a lovely day 💕
This sounds like my ideal Sunday ✨️💖
Sounds like a perfect day! 💕
Sounds nice but I go to church Sunday morning God Is Good
I’m using the concepts of “enough” and of gratitude. Enough is defined as: did I have food, clothing, and safe shelter today? It’s then noted daily in a journal followed by an octothorpe grateful. To that I curate what I watch on YT, deactivated my FB, got a library card, revised rest and nutrition among other cost-free things.
Love the simplicity and pace of the video.
Whoa 🤯 octothorpe - I have learned something today. #Thankyou
"Enough is defined as: did I have food, clothing, and safe shelter today? It’s then noted daily in a journal..." I love this, because on the other end of "splurging" is that sometimes we do have *genuine needs* that go unmet for too long, but they can be dismissed for too long because we don't take literal note of the real needs that consistently come up in our daily lives.
"Did I have enough X today?" is a great way to realise how often we *do* have enough, if we were jut grateful enough to notice, but also be realistic and "let" ourselves have things that we actually need, instead of forcing ourselves to "make do" with what we have, even if we could technically get it for ourselves.
And I might have to steal "octothorpe grateful" 😂.
I live in an apartment complex for older adults.
Our building has a giveaway area where residents place unwanted items for others to pick up.
So much fun!...and I save so many $$$$$ shopping the giveaway.
Love this
This is such a great idea to get something you like without wasting money
Present day economy makes living below your means seem impossible but it is still very feasible. Money is just a tool, use it to create the life you want
You're right on this one! It's just a tool. It doesn't matter your income bracket, if you don't use the tool effectively there will be no positive results
I don't want to come off as one of those people that complain so much about the economy, how does one do that in these present days ?!
Tips only work when taken into a personal perspective, what works for you may not apply for the next person.
1. Practice "selective spending" I don't think "no spend" works out that much
2. Scale of preference on goals and even bills.
3. Save, no matter how little the percentage and
Lastly invest; that's the only way to grow it without putting in the hours.
Hope this works for you
The last bit about investing drew me in; you appear to be knowledgeable; please provide more info
DYOR ( do your own research) read up about the stuff and get help from experts
Zero debt here for several years..about five. Happy to be able to donate to causes I feel need a little boost. People helped me out in the past and it feels good to do the same for others. Cannot remember the last time I ate out. Love cooking from scratch at home. It is a luxury not available to many, I know.
My number one saving tip: libraries. It saves a ton of space and money for buying and storing books, it gives us the opportunity to bond with our Kids over new interesting stories or topics we find on our tour through the Library and we are doing a Little familiy Trips every 4 weeks, where we dont have to spend money on a expensive Trip Like Zoo or something. Bonus: our Kids love books! There is so much to discover, so they Never get bored. Curiousity and interest in books is totally something I want to pass on to them.
When I have lost my job, I did stop spending and realize how many things I dont actualy even need. I keep it this way and I am happy that lesson was learned for a better life. 😇
Same here 😁🙌
We paid off our debts and home in 2021, but are trying to save up for early retirement at 55. I don't think we can quite get to that by 55. "Money is energy" is really apparent when you are looking at retirement.
The choices you make in your 20s and 30s will definitely affect your choices in your 50s and 60s.
Love no spend videos! Making food and coffee/tea at home is a huge money saver. Also, shopping your closet and restyling what you already have is fun. Often times, it means a different combo and wearing different accessories you already own and putting on blush! I also like to make sure there's enough groceries for a few days or the weekend, and enjoying the time at home if possible. The time and energy spent shopping is also money.
I appreciate your creating videos even when you aren’t feeling your best. Thanks so much.
I stopped buying last year just to change my habits. i only bought PJ's in April and two pair of shoes in December last year!! That's from normally ordering several items for myself every month!!
Thank you, Marissa!
In 2022, I had 9 months of no spending, and the results were amazing!
1. I saved enough money to help a family member in a difficult and critical situation, which was returned to me the following year.
2. The most surprising thing was that I didn't feel like I was struggling. Vice versa. It was kinda fan, and I felt really great about myself at the time.
3. I'm going to do it again this year.
My extra tip is - If you regularly go shopping with your friends, stop it and find another way to spend time together and have fun in a more meaningful manner.
Wow money is energy. Immediately, you know it's true. I'm currently on a no spend challenge. This makes it so much More profound.
I just bought a (new to me) used car, I saved up most of my money last year for it. Now I'm back at saving for my next goal. Having a set amount helps a lot to get to that money goal, in a separate savings account.
I just had an epiphany the other day how I was really LOOKING for ways to spend money when I was analysing my boys' perfectly functional closet to see what bins I could buy to organize it better/prettier. And then I suddenly stopped and ask myself what I was doing! And I really was going around looking for "acceptable" ways to spend money for fun😅 I wonder how much of my debt could have been paid off if I wouldn't have made all these tiny "necessary purchases " to "improve" things!
I’m also guilty of trying to find ‘acceptable’ ways to spend money.
😂 Those bins can be tempting. My acceptable things are the old fancy thrift store finds with details.
I agree! Even while using thrift stores and estate sales, I realized that I had "updated" my home enough and needed to stop!
My husband always says "it's not saving money if it's money you weren't intending to spend." I wasn't a big spender before him (because I grew up without money to spend), but that's helped me avoid the trap of a "good deal" many a time. Avoiding shopping as much as possible also helps 😆
I have a picture in the US with a sign saying "Buy more, save more!" xD
Yess, no such thing as a sale, if you weren't going to buy it anyway.
The hardest part of frugal living, before you’re accustomed to it, is the FOMO-feeling you have. Since I decided to change careers and being a student again I’ve reduced my income to less than a fourth of my previous salary, and still being able to save money. It’s amazing to know how little money you actually need. Yes, eating out is a big no no right now and buying clothes isn’t to think about, but in the end it’s worth it! Knowing that I’ll get a new career with a good income - so I can save some to my future and paying off my mortgage makes it all worth it. (And you where a part of my decision to change my life and lifestyle. Thank you! ❤)
I loved this, money IS energy. I was browsing this morning for online things my home “needs” but we will be fine without it.
Watching videos like this helps keep me motivated to live intentionally and not spend frivolously!
More people need to approach life like you. Sadly, perspectives are so out of whack people don't even realize they're spending money unnecessarily.
I read the book you showed as an audio book in the video. Your money or your life and that started me on my minimalism journey over 20 years ago. At the time I was living paycheck to paycheck and in debt 10s of thousands of dollars. The year I read the book I did one of the steps they list to find out how much you have made in your entire life. It was easy with Social Security doing the work for me and that year We broke $1 million dollars. It was so shocking as we had almost nothing to show for it and were making $10-12/hr so low middle class. It was the wake up call needed to make serious changes. I retired at 46 and plan for my spouse to retire at 55.
How did you figure out how much you made in your life? That sounds interesting to look up.
@zeitgeist888 Could you Please let me know how you were able to earn enough money to retire. I am 60, earning $12 per hour, and not able to support myself.
P
Thank you, I so understand your realization that the so called savings from sales kept you from saving. I live in superficial Miami and seeing so many European expensive cars, and designer items flaunted made me realize not to compare. What makes me proud is to have security.
Spending as little as possible feels really good. Tbh, things I bought in the past, I rarely used them. Minimal lifestyle is wonderful.
I'm glad you are feeling better and thank you for sharing this information...
Yaay new video! 🩷🚪Buying groceries at Aldi instead of Walmart, and having a meal plan.
🙏 ❤️
This really is crucial info that needs to be shared!
If our nation is ever to get back on track (and shift wealth away from the top 3%), we need to control our spending now!
America will never be the same
Your videos never fail to get me up off the couch and start tidying up 😅
This has been one of my favorite videos. I enjoyed the simplicity of it and it was so relaxing. Thank you. 😊
I love the calming and meditative vibe of this video.
It is true money is energy. I used to be terrible with spending my earned money when i was in my twenties. I just paid off the remainder of my $40K student loans. It took 10 years but I am proud to say we are debt free and looking to buy our first house. I am going to save the money I used to put towards my student loans to keep me from wasting it on non-essentials.
I'm on my 7th month of a clothing no-buy! Yay! It's been enlightening and easier than I thought it would be. I'm aiming for a year. I've been going on and off of a book no buy. That one has been a little harder for me to stick to when the library doesn't have certain books I want to read. This video helps me re-energize my efforts. I always love your videos. Thank you for making them!
I was so thankful for my aunt, when we came to USA, she said Don’t get a student loan. I didn’t understand then. Now I’m older, I’m so grateful, I didn’t. Another money saving tip that works for me, is to stay home. If I go to store to buy one thing, it won’t be just one 😂
I am already frugal and grateful, but Im sure theres always room to improve. I am actively gonna try immediately. Thank you ❤❤
Hope you feel better! I really liked the style of this video with the soft music, calm voice over and inspiring visuals and content. Thank you.
Thank you so much, it’s a lot different than my usual videos but I had lost my voice so I wanted to put something out! I’m just glad my voice came back in time to do the narration ☺️
Me too! It's really an, A to "Zen" 10 min vid. So calming and helpful. 😌
Quick tip..you don’t have to rinse dishes before you put them in the dishwasher just scrape the food scraps off. Think of the water you’ll save 😀
This is a pretty crappy dishwasher, unfortunately, but the idea is good 👍
I have a decent dishwasher, and I still wash the dishes before putting them in the dishwasher! Otherwise the dishes come out with food still stuck to them, and rewashing “clean” dishes is even more of a chore!
@@LFetterman7903 Oh no.. must be something wrong with it 😩
I saw a video from a dishwasher salesperson and he said not to rinse dishes before putting in dishwasher as the detergent is made to stick to the food to pull off and if the dishes are put in rinsed - they aren't as clean.
Dishes get much cleaner if you rinse first and you don’t have to clean the drain filter so often.
I’m retired now, our 6 children are independent….but when we were raising our tribe on one salary I was very careful with groceries and made all our food at home including bread. The book The Tightwad gazette was always close at hand and I used the principals in that book. You can find it in the library. We’ve been traveling quite a bit lately, and this past week we had a stay home and don’t go out in the car week….seems the minute we leave home money jumps out of our wallet! Great content Marissa….and you have a beautiful family❤
That is exactly what I said to my husband, whenever we leave home, we're spending money 😢😢😢
@@trudyhattendorf1821 I absolutely believe this too, but it applies most if you live in the city. As soon as you move to a nice rural area or near the forest, there's just so much stuff that's simply free. In the city it's an entrance fee for anything + obligatory coffee/drink for spending virtually any time indoors or going to the loo, not to mention all the parking fees, etc. So often I actually have snacks and food packed but it seems improper to eat them wherever we are and we end up purchasing stuff.
If you live more rural, there's not even that much to spend on. You go, the forest is free, the stream is free, the playground doesn't close and you didn't have to get there by car and pay for parking, you can bring your own meals and drinks and nobody will judge you etc etc.
Wow! I have Tightwad Gazettes from long before the book was even thought of!
A good blender pulverized adult food into baby food. Diaper service was best option. Traded jams for car repairs. 🥰
Marisa glad you are feeling better, love your videos, as I always learn
Something new from you❤
Thanks so much for watching!
I love watching this program and my yip is about making money. I have a friend who is making a lot of money every month by being part of a mock jury ...something I've never tried.
I'm always inspired by your videos! Thanks Marissa.
Thank you Marissa for this video. It was so peaceful and calming to watch! And you've inspired me to think about a no spend month next month. I did one before and honestly was counting the days until it ended. But looking back I can see now my mindset was all wrong around it. Now I plan to go in with it being a fun challenge and a way to value what I already have and take a step back before purchasing! Money saving tips - pack your own lunch, make your own good coffee instead of buying everyday, plan your grocery shopping list and shop it online in one shop. Going into shops makes you much more likely to buy off list and the more shops you go to, even if they're budget shops, the more you'll likely end up spending.
What a beautifully presented video. Thank you so much for sharing it.
I'm on what I call a budget journey and I'm currently re-evaluating how I spend, and have just started my own debt paydown programme.. x
Keep feeling better 💕 thanks for video 🌷
Hey Marisa- I'm saving for a big trip with family by seriously keeping with budget.
This is great because it provides a frame for why we shouldn’t spend money frivolously, rather than just a directive to do it or a vague reason- like “ because you shouldn’t”. Correlating what one makes per hour, for instance, with the price of the object, or seeing it as energy instead of just paper, are very tangible concepts. When money became digital- well, that changed things, too. It’s like it’s not really there! I will rethink my purchases more after this. I’ve stopped a lot of this type of spending, but I do fall into my old habits quite easily. Thank you!!❤
As an almost-minimalist, I love window-shopping. I can be at any store for hours and bring home nothing. My biggest tip is to “shop” at home first and if possible use alternatives that you already have. It does get out of hand sometimes because disdain for bringing in new things often causes me to put off buying things that may not be a necessity but extremely convenient.
Interesting, one of my favourite things about embracing minimalism is freedom from any form of shopping, not a criticism of you but I am surprised a minimalist enjoys window shopping, also credit to your enormous willpower!
Loved the feel of this video. It was peaceful. ❤
More videos in this format, please! This was particularly lovely to watch.
As for money-saving tips, last month I went through my bank statements and realized just how much money I was wasting on subscriptions that I didn't use often, or worse yet, compleley forgot about. Needless to say, I canceled all of these subscriptions, and have an extra $100 back to myself.
That’s amazing… good job !!!!👏 💕🇨🇦
I really enjoyed the style of this video, thank you 😊 I'm doing a no spend month to save for a holiday, I'll look out for the book you recommended
No debt except what is remaining on our home- we are working towards a certain amount of savings (about 6 months’ worth of expenses) for big emergencies or in the case of a job loss or relocation. Maybe by the end of this year 🙏🏻 thank you for another inspirational video!
One of the ways I save money is by not buying Apple, but going the Android way instead. When you buy a cell phone from Apple you're paying extra for the glitz and the glamour. Android costs a lot less and has all the same functionality, or at least it's similar enough to not bother me much.
I’m saving for new tires (gosh they are expensive!), my third (and last) child’s college, and a crafting armoire for my hobby storage. I’m trying to move the same amount of money I would have spent into savings each time I avoid an impulse/unnecessary spend! Great video ❤
This video style is awesome 😊. I'm thoroughly enjoying it ❤
Im gonna start a no spending goal tomorrow..Thank you Ill keep you posted 🎉🎉🎉❤❤
Your house looks so easy to keep tidy! I’m working on minimizing my keeping of pretties but will probably have way more than you forever!
i was wondering what she was using to clean the kitchen counters!
Love the video. You have a calming voice .😊
One of my financial goals is to max out my Roth IRA this year. I'm really good at giving and I'm spending money this year on some home upgrades, but my saving and investing game could use a lot of improvement. Love the video! The music really adds to the peaceful tone.
Thank you very much for this video! This video was so wonderful and calming my soul! In a few days I will completely pay off my car.
Money saving tip: budgeting is key. If you don't know what you have, you don't know how much you wasted instead of saving it.
Some people think budgeting is a dirty word. I just say it is a plan where I'm telling my money where to go.
First I have seen your video and a great one. Cutting expenses where we can this Friday all credit card debt gone! Now we have the vehicle and house to finish paying off.
Thank you. I stumbled across your channel. I love your lifestyle. Simple.
I am trying to save for a house, as well. In California, that’s a tall order. I need to remind myself to be patient.
It depends on where in California you will choose to live.
@@Joce123 Southern California, Inland Empire close to Orange County, where my family is. Very expensive market.
I enjoyed your new style of video!! The music was beautiful, not too overbearing. Loved seeing the Koala.
Thanks for my weekly education. You're awesome Marissa!!
Thanks so much for watching! Koalas 🐨 are my youngest son’s favorite, glad you enjoyed his cameo 😂
Girl!! Check into laundry sheets instead of laundry liquid. They're little flat sheets that fit into a tiny packet and you can get 90 wash loads out of a packet the size of an iPad. They take up next to no room, clean just as well as the liquid, there's no plastic waste to deal with when the container is empty; the container, a paper packet, is recyclable. I've been using them for about a year now and also discovered dishwasher sheets and toilet bowl sheets.
yes, there actually IS plastic in those laundry sheets. it's listed as an ingredient called polyvinyl alcohol OR glyceryl cocoate.
Whats not to Love? Valentines Day is my Birth Day and Your Teachings my Present !😊❤
Happy early birthday! ❤️
I don't use scent boosters and softener in the washing machine.when I wash towels I use distilled vinegar (white vinegar some countries call it ) right from tiny when my children were given money they had a spend half safe half rule
Im looking forward to more videos from your channel.
Thank you ❤
get well soon Marissa - love your videos
Thanks so much, I’m feeling much better now! 🙏❤️
This style is relaxing 💚
My wife and I are about to undertake building our home. It's probably going to cost us the equivalent of US 300,000 (but in 🇯🇲)
We limit our eating out to once a month and have stay-at- home dinner dates
NIce video, was very relaxing and pleasant to watch, all with an important message!
I love the format of this video!
I love to watch your movies every sunday! ❤ My relaxing moment witch you and coffie❤😊
I’m glad we get to share a cozy Sunday! 😁
Very very interesting and enlightening!!! Thank you so much for sharing this. Sara...your new fan from ITALY
Thanks so much for watching, Sara, and happy to have you here 🙌
Hi love ur videos! I am 61 recently separated. I need an emergency & a divorce fund. I’m on fixed income. Not easy.Every thing an emergency. I cut back on eating out,cut cable,&don’t turn on electric heat unless very cold. Seems to be keeping my bills down
You can do this! Everything moving forward is for your betterment. Small victories, small steps lead to a goal WE set for ourselves. 🎉
Thanks for supporting me
The book ‘Your Money or Your Life’ written by Vicki Robin and Joe Dominguez is a good read. They approach money and spending as you explained. ❤
That’s the one I showed you in the video! Relistening to it after over a decade 😂
That’s so funny! Was just listening to you while I was getting ready for church. I didn’t see that! 🤪🤪🤗🤗
I love that money is energy
I love your glass cups, they’re so pretty!
Lovely! Your voice is so well modulated that with yhe background music I just about went to sleep sitting up. Not that I don't need a nap, but I vote no for background music
So far I haven't purchased *anything* in February! (other than groceries) I do believe I've *finally* broken the urge to shop! Not going to lie, it's taken years!
That’s amazing, well done 👏
I am glad you got your voice back and have been feeling a bit better. Your koala friend helping you out in this video was cute. I love the uniformed look of your dishes. I have a couple miss matched ones in my collection, because the ones I have owned for twenty years. . .a few have broken from just long wear (and getting chipped or cracking in the sink) and then I buy a replacement that is random haha. One day maybe I'll have a nice matching set again.
Interesting about "money is energy." I have never heard of that. I have heard, "money is a tool," "Money is power," or "Money is the root of all evil."
I had so many special occasions to go out and celebrate this past month because we had SO many family birthdays!
No spend challenges are so fun and definitely hard to do. It is easy to just go ahead and spend whatever. I hope you are able to buy yourselves a home soon. I know you have been renters a long time like us.
We were out of debt for a long time but I gave birth and owed 11k after insurance payments. We have 3k left (he is 8 months old). It feels gross to owe money to anyone or anywhere. We then will be saving for a house too, though it will take time. Houses are so expensive and we live in the third most expensive state.
Happy no-spending to you!
Pay off your debts as soon as possible, would be my best money tip. And please spend it on stuff that you need: demand driven, instead of supply driven.
I've never been in debt but most of my life I was very poor, I still think it's better that way 🙏
Get better soon Marissa 😊
It's great! You make Home making look fresh and enjoyable.
The tip I got, from else where, was "pay your self first". The idea being you put money into your savings account on payday rather than seeing what is left at the end of the month. I have been doing that for years.
I joined in with your "Frugal Feb" and it has helped me cut back on those just buy stuff moments. While I have budgeted for years this is the first year, in quite a while, I have started tracking actual spending again. I plan to keep it up all year and see how close my initial budget was to reality.
My saving goal is retiring at 55; we will see how saving over the next four years go...
AH when you opened up your dishwasher and all the plates were white that made me squeal in happiness. it just feels so clean!! :D
This comment might get lost, might not. But it was very very nice to come across your video. It felt like the money talk I never got from my mom and it's just comforting in some way... thank you
Thanks for watching 🤗
My last day to work ( retiring) is Friday, I have never been great with money but I’m about to put some serious effort into figuring it out, my company is closing my current location ( offered all of us jobs at the main location about 50 minutes away) but I decided to retire, I will receive my severance pay in 1 month, I can pay off all of my bills and have a small nest egg so if I am careful I will be ok😊looking forward to the freedom of retirement and going to the beach at the Great Lakes this summer (2 hours away) and definitely looking forward to reading some great books 📚 😊😊😊
I hope you will feel better, soon!
Much better now, thank you 🙏
i am inspired ! I started out this year with intention of no spend challenge but only made it 2 weeks ... I have kept on track with depositing 10% of my income in a savings account, so far this is going well ! baby steps are better than no steps 🎉
I love your glass cup 😍
I am buying a new vehicle this year. I live in a small town and work out of town so a good reliable vehicle is essential. The longer I can hold on to my current car (without spending too much on repairs) the more time I have to save a good sized down payment!
I don't think any family discussed money when we were kids growing up. I was oldest born in late 40's, all we were ever told when we were kids is "we can't afford it". Something should have been explained to us as to why. (Not necessarily into deep explaination) I had bookeeping in HS so that helped a little in when I i got married in the management of money. There should be a class in school just incase you never learned at home. Boy it could make a difference. Glad you are here to give helpful information to those who need it.
Your video makes a lot of sense. New subscriber here ☺️
Thank you Marisa ❤xxx
We are saving for some summer home improvement projects. We are having a no spend Febuary . So far we have only spent money on essentials. I.E. Bills and Groceries. We take care of my Fiances Elderly mother. So our only spening we have done is Every Weds she likes to get her hair done(she is 94 and wheel chair bound so she doesnt get out much ) and go out for lunch. But so far we havent spent outside of that.
We are close to retirement and want to spend less so we have no buy months at least twice a year. Great video.
Thanks so much for watching! ❤️