13 THINGS I DON'T BUY ANYMORE 💸 (How I Save Money By Not Spending On This!)

One of the biggest changes I made to help my finances was simplifying my lifestyle and taking a hard look at my spending and what I bought. There were so many places money was literally just flowing out of my accounts. So today I want to share some of the main things we used to wasted money on that we don’t anymore or things we cut way back on.
If you spend money on these things this is 100% not meant to shame you. These are all things I have spent money recklessly on, and still slip up on occasion. One of the most important steps to financial freedom is letting go of embarrassment for your current financial mistakes. That embarrassment makes it impossible for you to face them, tackle them, and beat them. So NO SHAME if you overspend in these categories, I hope instead it can inspire you to say “I can cut back there, too!”
How I meal Plan: • How I Create Weekly Me...
How we paid off $70k in debt: www.butfirstcoffeeblog.com/ho...
How we live debt free: • How I Live Completely ...
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Hi I'm Kallie Branciforte from But First, Coffee! I'm glad you found my video! I'm the content creator for the blog and KZbin channel But First, Coffee.
Get a ton more on THE BLOG: www.butfirstcoffeeblog.com
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》 》 》 》 DISCLAIMER
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Music by licensed by Epidemic Sound.

[@kristiw4986]

JUST PAID MY LAST HOUSE NOTE! I lost a husband to cancer in 1996. I had 2 kids and a house note, best advice my dying husband said was ‘Always pay more toward the mortgage, even if its $5’. I did and it’s now paid off.

[@joannaluca8495]

Congratulations!! That’s great 👏👏👏

[@joolzg1936]

Well done. That's a amazing. 🏠

[@chantalk2060]

🎉🎉🎉🎉🎉

[@anncarr6510]

Fantastic! God bless you!

[@annaeeee7516]

Congrats! 😄😄🎉🎉I can't wait for that moment myself 😄

[@luvzdogz]

I may have learned this "trick" from my mom and I find myself still doing it as an adult. If I find something I think I want (an unplanned clothes item while I'm at the store for a towel), I leave the impulse item on the rack or shelf and finish my shopping. When I'm ready to checkout, if i remember to go back for the item, I must really want it but if I forget then it probably wasn't really that important to me after all. Just a little psychological trick to test your level of interest which can help dissuade some of those impulse buys.

[@teriaverillta]

That's a great idea! I end up with clothes in my cart when I just went to a big box store for dry goods and I always end up putting at least half of the clothing purchases back because I KNOW they're impulse purchases, but that means half are still getting through! I'm going to try this!

[@patchouleigh_]

For online shopping, I hit the "share" button when I see something I really like, then I send it over to a pinterest board. That way I wont feel like it's gone forever if I dont buy it right then and there. Also gives me time to wait it out, or get it for a gift when I need a gift idea.

[@DannyF249]

Mine is that I ask myself "Will I die if I don't buy this?" Most of the time it's "Nope." Then i move on..

[@gutsguiltgreed639]

I also learnt this from my mum! I've passed it into a lot of friends over the years, best bit of shopping advice I've ever come across:)

[@lulu-dr4eh]

Love this! Gonna try.

[@Sophie-Aiyer]

That baby got more life advice in fourteen minutes, than my parents have taught me over my lifetime.

[@tinad4182]

Facts!!!

[@sheilamorton5352]

Me too! I am not domesticated

[@Loretta_C]

Word!

[@michellebilodeau3882]

If the pandemic taught me anything it's that you really don't need that many clothes.

[@alexa574]

Also learned I don't need ALOT of things I used to purchase mindlessly

[@TH-eb5ro]

My galpal started working from home & paid off her vehicle with just the money she had spent on hair/nails. No one noticed the difference on her Zoom workdays, She DIYed her hair/nails in way less time than going to those appointments. They also did not notice her repeat outfits/jewelry, lesson learned,

[@ashleym5696]

Omg Yes!!! 🤣❤️

[@selah7702]

Truth!! I’ve lost my diva status!!🤭😆

[@sommerlynn2260]

This!

[@emilykg]

Thanks for not being perfect!!!... As in... Perfect nails, perfect Instagram house, perfect anything. It's so nice to see a normal person helping normal people, sharing normal problems and tips to improve. Seriously!!! Thank you!!!

[@cecesonrisa9408]

Yassss 🙌🏾! So refreshing.

[@K119_]

As someone who used to LOVE getting my nails done, it’s something that I absolutely cannot afford. I do my own dip nails now at home, and it’s been such a great hobby. I only buy 1 neutral color for the season (this summer I have white - don’t come for me lol) but they are as hard as acrylic, last for weeks, way tougher then gel nails - which I’ve also used in the past, and more cost efficient. I love art so this also doubles as a hobby for me! I use revel nail dip powders. Check them out sometime if you are ever into that! They saved me SOOOOOOO MUCH $$$$ !!! I know for me I will wear a bun in my hair every day of the week but I like having nicer nails, makes a stay at home mom feel a little bit put together! (:

[@timbawangu3038]

Great comment @Emily G👌

[@ewag1088]

@@K119_

[@Kriistall7]

This is why I watch her, I don't feel completely inadequate

[@sowpar89]

1.Eating out 2.fast fashion 3.Accessories 4.one time purchase 5. Purchase on credit cards. 6.anything financed. 7.monthly subscription 8. Disposable razors 9. Second groceries trip 1p. Disorganised 11.living up to others expectations 12.buying out of boredom 13.buying based other person life

[@varshasingh7064]

Thanks for summary 😊

[@yvonnekilla3971]

The real mvp

[@JenniferGraceMartinez]

Thank you!! 😊

[@Dukkidan]

Thank you, I was scrolling and searching for this comment 😘

[@APTTMHYforever]

Thank you💞

[@sherryhass2203]

So, a trick my Mom would use to avoid the "2nd grocery trip" was to pick up milk only from the convenience store. Her logic was that everything there is generally overpriced, and she hated spending more on something that cost less elsewhere. But she said it was better than going to the grocery store and putting up with us wanting everything in the store. She figured the buck she spent extra on the milk saved her 20 bucks at the grocery. I hope this helps!

[@melissa4896]

clever

[@GenesisRose316]

Great idea thanks God bless you

[@ConnieTryon]

i was thinking the same thing 🎉🎉🎉

[@godjortall7177]

Very helpful tip! I'll be doing that from now on

[@yvonnepalmquist8676]

I've noticed a lot of drug stores don't really charge more for the full gallon, only the smaller sizes. Almost like an entice to bring you in, and these stores help to resist impulse buys, too. Walgreens comes to mind for my area. Their eggs are usually same price, too. And they actually put milk and eggs on sale regularly. The bread, however, is usually higher.

[@Ms.MD7]

You just saved me from spending $100+ on a fast fashion website. Everytime I get the itch to spend, I watch videos like this to slap me back to earth.

[@paulkoester9242]

Here.s how real poor people live. I never ever buy clothes. They are given to me as gifts. Or I only buy a new pair of jeans. When the old ones don't fit anymore. I buy one pair of track shoes a year. Period. My coats last 8 to 10 or more years. Or they were gifted to me. Never buy paper plates. Paper cups. Or plastic silverware. Wash your own real dishes. I never buy paper towel except to clean my toilet and bathroom floor. I don't go to hair salons. I cut my own hair. I do buy new socks and underwear. When I need to. My beauty routine. Grandma's lye soap. Lubridermlotion. Tooth paste. It.s amazing what youcanlive without if you have no money to buy extra things with. Tobegin with. People need to be taught to take care of their clothes. And other things. And everything lasts longer. I own not a single credit card and proud of it.

[@Eli-xp8wz]

As someone with ADHD I feel this. I never thought of watching videos like this to snap me out if it. Thanks for the healthy tip

[@sheilamorton5352]

My problem is shopping apps like facebook marketplace. I always think that I won't buy anything, just looking, then I always see something I can't live without lol. I am going to try not to even open any of them. Wish me luck 😀

[@sheilamorton5352]

Yeah me too!

[@amandaa7592]

Here's a tip about decor. Red party decor can morph for so many typical american holidays: Valentine's, Christmas, Memorial Day, 4th of July, Labor Day. It's bold, but if you buy plain pieces you can use them for YEARS.

[@uweschroeder]

... and if you don't do any of those holidays, you don't need to buy anything. Just saying... Actually we work on all holidays because it's double pay - so double bonus you get twice the money and save on not spending any for a holidy.

[@talkingfurkids]

I have red plates too! It always looks festive and inviting.

[@melodysoares7203]

Lol I have done the same thing .. u are so right .. I’ll use it ,even when having people over like with my polo dot plates black and white

[@artie1694]

^^^^^ this! I had went with red accents throughout my living room decor ages ago (not because of holidays but b/c I coincidentally decorated this way) and discovered how much I benefitted from this decor choice with the holidays.

[@lorelig]

Adding that saving your decor year to year helps! I have the same little Halloween chachkies I bring out every year. Maybe I'll add one new thing per year or so, but it's not often since I have all of my lil decor saved up

[@aprilhutchens2105]

Oh man the influence thing!! We will have our cars paid off next year and I was legit thinking about using the extra money to buy a bigger nicer newer home we don't need, just because of some KZbin Mamas with fancy cabinets! Thanks for the shot in the ass I needed to snap me out of those thoughts. I love my small simple house, and my tiny mortgage!!

[@KacangFamily]

Good job! We sold our big fancy house bc of job stuff and now feel better about not having that high mortgage. Next one will be cheaper

[@susie7336]

A bigger house is just more house to have to furnish, clean, and maintain.

[@aprilhutchens2105]

@@susie7336 and pay utilities on! Plus I like the idea of crowded family Christmas. Nobody can go hide with their cell phone!!!

[@AC-qi9wo]

And do any upgrades, that you would have used on a bigger home.

[@alanparsonsfan]

@@susie7336 Somewhere, Marie Kondo is applauding.

[@Boertje247]

Fast fashion comes from the thrift store, and when I’m tired of it, it gets washed and returned to the thrift store! Wardrobe basics like a great cashmere sweater on sale after Christmas, or black wool pants you can wear for any occasion are worth a little more especially if on sale. I have a cashmere loose sweater jacket I bought on sale at Saks Fifth Avenue for around $100. THIRTY-EIGHT years ago! I wear it from October through March. Total backbone piece. Another thing about clothes, I have FINALLY learned some wardrobe “rules” for myself and I never buy them because they do not, and never will, work for me. Things like white tops, tailored button shirts with no spandex, shorts, sleeveless…haha, certain colors that just don’t work for me! As I get older, I know what I can get away with, and the list grows shorter every year!

[@My_Secret_ArtSketchbook]

Thank you. Very interesting. I I recently brought white shirts n dresses. Blazer was different things I'm wearing on chilly nights out.

[@crazy4beatles]

I went through a period when I bought thrifted things that I ended up not using. I succumbed to the internal narrative of "but it's thrifted and only $3" - and those $3 pieces added up. So now I go in with the type of clothing I need - say if it's a blazer, no rummaging through the pants aisle. If it doesn't fully fit (because sometimes it'd be just a tad tight) or work with other pieces in my wardrobe I won't buy it. Even if it's only $3.

[@sparklej1142]

Such good advice. There is only so much room in my closet and everything I buy is a replacement piece. I find getting rid of thing so uncomfortable that I shop VERY carefully.

[@Boertje247]

@@crazy4beatles so true! I’m realistically not going to dye a blah color skirt, I’m probably not going to paint a funky dresser, or re-structure an overly bulky skirt! But I did buy a $10 alpaca coat that need a new lining. It WAS a project, but I’ve worn that coat for 15 years now. You do get to a point where you pick your projects very carefully!😜

[@caroleanne8529]

Great advice. My aunt used to say that her clothes were so old that they were made in the USA. When I worked and everyone had nice jewelry, I purchased a pair of diamond stud earrings - even fake diamonds would work as well. I wear them every day to every occasion. Those earrings have saved me tons of money and time, because I don't need any others.

[@kirabarley3619]

A tip shared to me by my coworker: When window shopping or going to a store to waste time, leave your wallet in the car! You are waaaaay less likely to actually buy things because it would require you to go out, get your wallet, and come back in. But, if you do find something you genuinely need, it is still available to you.

[@melissa4896]

I like that

[@kelseycoca]

I can't tell you how many times my own laziness has saved me money! make sure your wallet isn't in plain sight if you leave it outside, though!

[@yvonnepalmquist8676]

@@kelseycoca stick it in your trunk.

[@thecuppiecakesqueen2832]

Please dont leave your wallet in the car!! Car break ins are a big thing right now!! 😬

[@cecilyerker]

great way to get your wallet stolen if your car is broken into

[@mandimarie2379]

To save on that “just milk” grocery trip: only walk in the store with a $10 bill, no wallet, no purse.

[@clovergreenpearl2k302]

Yup! This right here!!⬆️⬆️⬆️⬆️. Only go in with the cash in hand, it stops me from buying EVERYTHING I see🤣🤣

[@elizamartinez4184]

That's a great idea!

[@jgirl345]

I tried this last week and literally went back out to the car to grab more money lol

[@tisharodriguez9541]

Yep that’s what I do cash only. Don’t put extra in the car.

[@asterix00]

Nice, yes 👍

[@rn2787]

Another tip is buy the highest quality product that you can afford. I just convinced my husband to stop buying cheap food choppers (small food processor). I have disabilities that stop me from using my hands a lot so it's a necessity, but cheap $15 choppers suck. I did my research and I convinced him to buy the Cuisinart one. You can buy replacement parts when you buy from reputable companies. You can repair your items if you buy from better companies. They last longer so you buy less when it comes from a reputable company. It's not only cheaper in the long run, but it's better for the environment. I don't regret it and I have no guilt because I knew it was worth every penny.

[@SarahYoung-sv4iy]

Me too! We have so many “adaptive” tools, especially in the kitchen.

[@sarad2083]

Yes or buy one expensive kitchen gadget that does 10 things vs 10 cheap kitchen gadgets. I bought a ninja blender a few years back for 250 but it does everything and came with several attachments and blenders. Also have a ninja foodie that was about 200 or so can't remember.. but it's a pressure cooker, slow cooker, air fryer and dehydrator all in one plus more. That's how I justify big purchases.. can it do more than one thing? Then it's worth it. But say 250 for a single-intended use item.. then it's not worth it.

[@l4dy0c3]

I feel this way about blenders now. I always thought it was crazy to spend so much money on a Vitamix blender as a teen, but now that we have a big Ninja, two NutraBullets, and two off brand mini blenders.... it's safe to say that saving for the Vitamix would've been the smarter, less cluttered move. ^^'

[@slhilliard]

I read a saying somewhere on youtube... "we are too poor to buy cheap things..." if only vendors would make all items high-quality...

[@chaoticallysay2625]

I’d rather shop for multivitamins rather than individually purpose ones. I don’t get them at Costco because who is gonna need that much for a yr or so that before spoiling. I’d rather look for sales on them.

[@tracyperry309]

My mother always taught me to ask myself "is it a want or a need?" before buying something. I admit I'm not near as good at it as she is, but the older I get, the more it's becoming a habit because my values are changing.

[@donnajones9621]

"Do I really need it? No." Then I don't buy it. It's worked for me for years.

[@michellebobier-groves7821]

My mother taught me that when I was about 5 yo. So when my dad took me to the store, my go-to line was "Please Daddy. I neeeed it". Big blue eyes and a trembling lip did the trick every time. I taught my girls that when they started shopping for themselves! Hope this made you 😊. Have a great day!

[@becci8099]

I also ask: do I already own something I could use with a small tweek

[@cassandrabreit5029]

My mom taught me that it's ok to grab myself a treat every time I go to the store. The difference is, she bought groceries once or twice a month and I do once or twice a week. Thanks mom 😂

[@dfinite4089]

My tip about not getting takeout is that I cook in advance, when I can. And when I do cook at mealtime, I cook enough for two meals instead of one, at least. Often, needing takeout/eating out is because we don’t have any “ready to eat” foods in the fridge, and don’t feel up to cooking at mealtimes. It’s so much easier when the food is made in advance. It’s healthier, too. That way, when we do go out to eat, it’s purely for the pleasure; instead of convenience.

[@Karmelia6]

Same! Me and my partner do our meals for two days, the night before. This way, we have time in the morning and free one evening. We eat take out very rarely, as we prefer to go out when we have time, just like a little celebration. We usually plan it a few days or a week earlier and even our moods get lifted when we discuss what kind of food we might get!

[@ckee8437]

Yep, and I keep one freezer stovetop meal for emergencies when I've run out of something or am tired of what I just had

[@Juleesuz]

My brother gifted us an Instant Pot and it has been a game changer!

[@semekiizuio]

Yup i cook breakfast and lunch in the morning, lunch and dinner i can just sit down and eat the same thing

[@katherinec2759]

My husband and I would make enough on Monday-Thursday that we could eat leftovers Friday-Sunday. It was a nice break for the weekends. Doesn't work quite as well now that we have an 11-month old and one recipe doesn't QUITE cover two full meals anymore, but we still try to have a similar principle.

[@thetipsyrabbit5758]

here's my tip bout shopping out of boredom...when that temptation hits me...I find something I own that I don't really need and I list it on ebay, or poshmark or mercari. It takes some time and makes you feel like you accomplished something. Plus, $$ coming my way!

[@My_Secret_ArtSketchbook]

Done that too thankyou for mentioning this.

[@damatriarch06]

Actually..this is a fun idea! Imma try it. Thanks!

[@andratoilee]

Actually excellent. Also the effort of doing this will make me question if I want to replace the space I just created

[@betteryourlife865]

I like to go to the library for impulse shopping feeling. You get to take something home and it’s free,

[@Juleesuz]

That's a great idea!

[@pjdowell2]

You are so right about these tips. My husband and I have been married for 55 years and more than 40 years ago we started to get serious about spending and saving. We have led a productive and fun filled life, have a large family with kids and grandkids and are debt free. We can spend when we need/want to and not fear the next catastrophe. We are not rich at all, but we are comfortable and happy leading a simple life without money worries.

[@carolyndamico8313]

I started having milk delivered because that's exactly what would happen to me and I couldn't be happier. I'm supporting a local business, the milk is so good and sometimes I don't go to the grocery store for weeks. In fact, I won't even touch grocery store milk anymore. Nothing beats farm fresh.

[@My_Secret_ArtSketchbook]

Hmm considering buying a goat. N chickens

[@kenzzom.2922]

The milk man still exists?? Or are you using a delivery app.

[@carolyndamico8313]

@@kenzzom.2922 The milkman still exists in NE Colorado.

[@kelseycoca]

in the Seattle area we have one!

[@amykyns15]

My daughter who lives in Colorado gets her milk delivered and when I visit I get to enjoy it. So true, farm fresh is SO delicious!! (and it’s delivered in glass jars which I love)

[@auntpurl5325]

My daughter is a fashion design and merchandising major in college, and she NEVER buys fast fashion (and won't let me buy it for her either). Instead she thrifts and tailors things to fit. She looks smashing and creates really interesting, always changing looks. I'm super proud. I should really adopt the cash only habit. My husband's tip is to never do auto pay online. He wants to "feel the pain" of writing that check and seeing the balance take the hit. It helps us keep it in my mind. We are completely debt free, but that doesn't mean I always make the best choices. I'm super guilty of many things on this list. Great tips.

[@meisjeViv]

My partner does the never auto paying as well but for me that adds so much stress because then I need to remember to pay. I guess I don't have that many monthly payments anyway :)

[@gailmpintos7232]

I was watching an organization video and the person suggested "shop your house first" for containers, baskets and decor items. I thought that is a good suggestion for any purchases. I often stock up on sales when I have a few extra dollars. I have also been given craft supplies, and other items I kept. So if I run out of something or think I need to buy an item, I shop my house first. I usually find I have more or something that will due. It has definitely put more dollars back in my pocket.

[@leahpyykkonen1645]

Thanks for the advice. I never thought of it that way before.

[@SugarMamma]

Lockdown really got me to revaluate what is completely necessary for spending. My grocery list has definitely changed to add more wholefoods and I'm using cheaper but responsibly sourced makeup!

[@debracole3699]

Where do you find your make-up? Thanks!

[@iwouldbechelsea]

Also curious about the makeup you use! :D

[@dutchgirl7947]

Good for you and I am sure you look just as beautiful!

[@marysmith8220]

I agree!

[@elsaromero4743]

What makeup brand do you use? Please share. I've been looking, I only do the bronzer mascara and lip ☺️sometimes BB cream

[@elisabethlasalle3529]

Great advice, something I wished I'd learned years ago. Now that I'm decluttering, I have totally lost interest in shopping...just gives me a "yucky" feeling, (not sure if it has a name) but all I can think of is why would I want to buy all this stuff , just to have to turn around and donate it?

[@thatbee3585]

Same here

[@kimberlyjeffreys7834]

I get disgusted 😒 I can't believe I ever felt I needed so many clothes wth was wrong with me 😩

[@vickyharris5244]

@@kimberlyjeffreys7834 Be kind to yourself! Just think of the changes you' HAVE made, and of all the years to come!

[@ameliakat9982]

Same here. Now everything has to be practical and hopefully multi purpose

[@sct4040]

Lost interest to even go into woman's clothing stores. I only wear my classic pieces now, don't care about trends anymore. The fewer things I have, the less I have to take care of.

[@jessicabruno1316]

Having powdered milk on hand can really save you from the "second grocery trip." They put that milk at the back of the store for a reason! ;)

[@My_Secret_ArtSketchbook]

Oh my Gosh powdered milk on my list. For emergencies.

[@karentucker2161]

Yeah, not doing that.....regular milk is better to meand the one thing I would go back to the store for. I don't have time for nasty powder molk.

[@Cynthia1990]

Makes sense.

[@sheilamilne4275]

‘Long life’ (liquid) milk better. (Always have in emergency store cupboard)

[@monicayoung42]

You can freeze milk. Hsve a couple frozen. Or long life milk

[@janereinhardt4715]

The last subscription that I had was for "Glamour" magazine in the 1980s! I don't have cable t.v, & don't even own a t.v set. My couch is 29 years old & still looks brand new. My bedroom furniture is also 30 years old. I don't drink coffee or any alcohol, no chewing gum- I could go on & on. I retired at a young age. I have never paid interest on anything. Things are expensive enough without paying more for interest!

[@ms.krueger2660]

I am 57 years old. I window shop. I wish shop. I don’t purchase. I take pictures. Before phones I wrote descriptions of things I liked. Sometimes did little drawings of things I liked. Sounds stupid I know. Go home and look at them. 9.999999 out of 10 I do not buy the stuff. I really think hard about things before I buy. If it’s sold out when I go back, I guess it was not meant to be and I did not really need it. I do not impulse buy!! I had massive credit card debt when I was younger. I also taught myself how to shop or how not to shop!! Lol. This works for me.

[@klattin1501]

Big question..... how do i successfully STOP buying chocolate AND peanut m and ms? I know i don't need it, my weight goes up, but i cannot resist when it comes on sale. HELP

[@silverstar8199]

I love this! I feel like this is how I use Pinterest, all the things I love, but can't afford or have no actual use for. Just pretty pictures to look at whenever I want.

[@aprilhutchens2105]

@@klattin1501 buy a huge bag of them and make yourself eat all of them. That'll do it!

[@KacangFamily]

This is a great idea!

[@rmo8267]

I love to window shop too. It's one of my hobbies. Most of the time I don't buy anything, but I just like to look at all the pretty things.

[@Lilacs4]

My tip is always save your receipt and buy from places with good return policies! Y'all let's be real, no one is perfect and we all buy something we don't need sometimes, but keeping it is just solidifying the mistake. Two wrongs don't make a right! There's no shame in swinging by that store the next time you're passing by and returning those unopened items you feel buyer's remorse over. This has really helped me save money and also helps combat that sense of shame over mistakes in shopping because it gives realistic perspective - no biggie, just return it and undo the mistaken impulse buy, problem solved. I hope this helps!

[@0h0h0h0]

And/or, if you tend to lose the receipts like I do, take a photo of the receipt immediately with your phone :) That way you still can return the items even if you've lost the receipt.

[@friedpicklechips]

Some years ago I was shopping at a big box store. I took my loaded cart up to the front to see a HUGE line. I looked at the items in my cart. Was there anything in my cart that I really needed? Nope. Was there anything in my cart I actually came in to buy? Nope. I walked away from my cart and out the door. It was that moment I realized I could look at neat things, but I didn’t have to take them home. Like a museum - you can look, appreciate, but leave it there.

[@charlottekey8856]

And it gave the employees something to do putting your not-purchased items back, ensuring their job and making them more useful.

[@Kriistall7]

@@charlottekey8856...that's what you got from that? I'm guessing you're a boomer

[@Dexy83]

I discovered a subscription that I thought I canceled. 8 months in, I was annoyed with myself and thought that $ was gone. I contacted the vendor and they were able to see that I hadn't used their service. I was pleasantly surprised they refunded the money. Not sure how many companies would have done that, but it was worth it to send a simple, polite, tweet to get that $64 refunded. 😊

[@alisonschooley5459]

Absolutely, we never used to go over our statements until we found this kind of thing-those unused subscriptions do add up.

[@Veromoi4]

That happened to me with audible premium- no clue how I got signed up but I never used the service and I was refunded $90 Or something

[@dianemalek436]

@@Veromoi4 Sometimes you have to actually opt out of something or they automatically sign you up. Glad you got money refunded!

[@dianemalek436]

Something like this happened to my daughter and she was able to get refunded the money, even though it was about a year. Glad you got the refund!

[@jillwagner1823]

I remember seeing an app or website that would find things that you weren’t using and then with just a click or it would show you a list would i Unsubscribe you from them. But for the life of me I can’t think of what it is called?

[@l.medina6251]

As a single mom I HAD to be frugal. I had 1 income coming in so I rarely got new store bought clothes. But I learned to sew & always had something "new" if I wanted it! 😊 I often joked my house was decorated "a la Goodwill"! And I have never been insecure about whether or not friends like my home. It is MY home after all. Were anyone to criticize or pressure me--they would no longer be welcome!!!

[@CassieDavis613]

IMO, thrift decor is better. No matchy matchy

[@sherbear2016]

Good job there! Wait a go!

[@kgluodenis8685]

I’ve learned that ordering my groceries on line and picking them up saves me so much money. I don’t impulse buy anymore.

[@joycebrewer4150]

Avoid delivery charges if you can, they add $10.00 to every order I make online for that.

[@subrattaghosh]

Avoid buying stuff. In installments. If we can’t buy in full-price right now, don’t buy….. I really love this idea. Another point, don’t feel guilt if you already made some financial mistake in past , try to work on it now. I really live these suggestions, I may not remember exact wording of your video, but really like your suggestions.

[@elainecasper713]

I am SO HAPPY you mentioned fast fashion oh my gosh!! 😁 I worked in retail for about 7 years and it was no biggie for me to buy an absurd amount of clothes, even when they were on clearance. I have really taken a step back these past few years though and created a capsule wardrobe with staple pieces that I truly enjoy. I get compliments on my clothes all the time and I truly enjoy thrifting at local second hand shops! Not only has this minimalistic approach been applied to my wardrobe but also my home decor. It's less to tidy and helps ease much mind while at home. While my own family and friends aren't really keen on it, I feel like what I am doing is best. 😊

[@lindadavidson2237]

I love using curbside pickup to cut out impulse buys.

[@Veromoi4]

Excellent tip!

[@mrs.martin3158]

Clever!

[@lindadavidson2237]

@@mrs.martin3158 Plus I just don't really enjoy shopping anymore! :)

[@mrs.martin3158]

@@lindadavidson2237 I never really have, but I'm really bad about buying something I think will make a great gift for someone, putting it in my gift closet, then completely forgetting I have it.

[@LaShumbraBates]

Absolutely! I try doing that from time to time. And it helps.

[@stephaniesandoval1246]

I invested in an Epilator! Instead of razors, the epilator plugs into an outlet and last forever as long as you take-care of it. It hurts like heck at first, but like waxing the hairs grow out so slowly with time!

[@erika-mills]

oh my god same I originally bought one because I have really bad razor burn but saved so much money on razors. you’re so right about it hurting like hell tho 😂

[@chandanaveeraneni6753]

I use an epilator too, but first use the shaving head and then the epilator to get rid of the small stubborn ones. Takes more time but saves a lot of pain.

[@Livingingratitudeforever]

I agree with everything! The only thing I do differently is that I use a credit card for everything to get the cash back rewards and I never, ever carry a balance. Not even for a week. I've never had an interest charge payment. I only spend it if I have the money to immediately pay it off. So, kind of like cash (because I won't spend it if I don't have it to transfer over immediately) but on my Cash Rewards card for the cash back. That way, you're making money off the bank!

[@AReineyMay]

My number one bad shopping habit is SHOPPING for clothes. I constantly change weight and I’m never comfortable in my clothes 😩

[@kellyclark3961]

I have a similar problem and started thrifting. I have found so many items that have only been worn once or even new with tags. Helps save money when your size changes or if you feel like getting some new clothes without the big $$ spent.

[@asterix00]

@@kellyclark3961 I do the same 🤗🤗🤗🤗

[@samanthafedor6005]

I change weight often because I am in the child bearing stage of life. I try my best to keep only clothes that fit my body both ways. Things that are flattering to my body during pregnancy and beyond. I am currently pregnant and bought 3 maternity items second hand but aside from that am using my normal wardrobe that will still fit when baby comes and I loose weight.

[@giannab2302]

Shop at Thrift stores. You’ll save so much money and it helps the environment. There are many high quality garments donated by people like us who fluctuate in weight.

[@jackiem9460]

The grocery store gets me. All the new items!

[@reginam8570]

I bought so much on-line out of not being able to sleep at night 😒 finally, I would just put stuff in my cart (that I thought I needed, more like WANTED) and would decide in the morning when having my coffee, if I wanted to purchase the stuff in my cart. 90 percent of the time I never did 😉. Thanks for your videos! They have helped 😊

[@Tracymmo]

Yes, I do that or just play with favorite lists.

[@Lifeisgood1883]

Omgoodness me too

[@itselizabash]

I do that too, but I wait 24 hours at least, because I'll usually completely forget that I wanted it in the first place.

[@akreeger7742]

I do something like this. I noticed that a lot of times I would buy late at night because I was bored. Now, I can't buy anything after a certain time. I need to wait, and more often than not I end up not buying what is in my cart or save for later list. It's really helped kick a bad habit

[@yourstruly7009]

As a shopaholic that caught myself spending out of bordem i found instead if just spending money on random temporarily highs that i questioned later what purpose they serve. I found it helpful to invest in a new craft or hobby. Not collecting things as a hobby but something to use your hands to make stuff expecially if your interested in crocheting or something that can be inexpensive to buy supplies. Its helpful so your not bored but also next time you go to the store you can buy a new skein of yarn or some jewelry findings that will become part of a scheduled shopping instead if random things you wanted in the moment. (Stay away from resin its a very expensive craft) ive done alot if different kinds so i hope this helps

[@christinamunoz4687]

you on point gurl! "being disorganize" is where i waste my $

[@christinelagrone2459]

Same!

[@michelekallus5752]

Thank you! About to over haul my life by selling my house, getting out of debt and starting the budget over!! Divorced and still learning but with accts like yours, hope is alive! I may may mistakes, but I can fix them!!

[@rjsluxcollection2611]

We’re cheering for you!

[@natipena2677]

I live on a fixed income, so I learned how to upcycle and recycle clothes and furniture. Weddings can be expensive for the couple and the guests as well. Girl, I wore the same Little Black Dress to 4 different weddings, I just accessorized differently. Don't ask, don't tell. Thanks for the great tips. Keep safe ♡ ♥💕❤😘

[@KacangFamily]

I wear the same fancy dresses a few times. Mostly because my hubs won’t let me part with them.

[@ywLDSforever]

When I got married last year, I simply asked that the guys wore dark blue or purple ties, and the gals wore dark blue and/or purple dresses. While those options are still rather narrow, I wasn't about to ask that everybody matches perfectly. Far as I know, most of them didn't need to buy anything new. (my mom did for fun, though).

[@joycebrewer4150]

My mom eventually realized, she had worn the same favorite dress for a dozen years, decided she'd gotten her money's worth out of it.

[@yesiownfrodo]

What the pandemic taught me was that having an organized surplus is a fabulous luxury that I can give myself. All that extra stuff hanging out in closets and cabinets can really be helpful during hard times. It also helped me see what I had and what I needed more of. I do not need any more makeup or hair products of any kind. But I use more paper towels than I thought (my washing machine isn't always reliable). Hard work but worthwhile. I gathered it all KonMari style, organized it and assessed it. Well worth my time.

[@neusperis5336]

You know a video is good when you know that you’ve seen it before but still want to watch it again! Great tips!! 🤗🤗

[@wanderingsoul2931]

The problem with today’s society is people live above their means

[@womanofacertainage5892]

I agree some middle and upper-income folks live above their means, for sure. And also -- In the US, we are the only developed nation without a universal health insurance program. People are going bankrupt from medical debt, more so than consumer debt or drinking too much Starbucks. And this is even if they have insurance... with high deductibles and co--pays, it's still far too expensive for all but upper-income folks. We are also the only developed nation without paid maternity and/or paternity leave. Add to that a $7.25 federal minimum wage and schools in poorer areas being poorly funded -- and it's no wonder some folks live "above their means." Their "means" simply aren't enough to have a decent, basic life. So absolutely, if you earn enough to pay the rent and buy the bare basics, and you are pissing away money instead, then you have a problem. But many folks in the US simply don't earn enough and with the state of child and health care -- it's very difficult to ever get ahead. It's expensive to be poor.

[@sherylporter9557]

@@womanofacertainage5892 I live in Australia and have always been shocked to think the U.S. don't have a national health care scheme. 😟

[@womanofacertainage5892]

@@sherylporter9557 I wish more Americans were shocked and demanded better and only voted for representatives and senators who wanted a universal, single-payer system. We are the only developed nation where you can lose everything you have over medical debt. In the wealthiest nation on earth. It's plain greed.

[@centeredclayworks4571]

People have always lived above their means, it's just more evident today b/c of social media. It's hard to be a young person, just starting out, and having to do without all the things you grew up with at your parents. Social media puts all that in their faces and makes it hard to say no. Young people, and all people, need encouragement and understanding to do hard things.

[@womanofacertainage5892]

@@centeredclayworks4571 Sure, people always have. AND -- college has never been this expensive, the min wage has never been this low compared to the cost of living, and health care has never been more unaffordable. Ditto childcare. It's the perfect storm to impoverish folks.

[@lunadianrose5357]

Me and my husband decided to cut on some things to save for a house purchase, we move in next week!

[@KacangFamily]

Congrats! We got our first condo by cutting back a lot on food costs for 2 years.

[@allisonbuettner3934]

How exciting! Congratulations!

[@lunadianrose5357]

Thanks!

[@natipena2677]

That is awesome. Congrats

[@Missy-Missy1111]

CONGRATS‼👍

[@janicenorris8726]

Great video and advice. As I find myself getting older, seeing my parents and grandparents aging I am realizing that the stuff I accumulated when I was younger doesn't mean so much now. And I look at the stuff and I'm like I really didn't need that and look at all the wasted money. Yes I did enjoy the things that I had and always loved finding that special thing, but now I know that I need to downsize and I need other people to enjoy the things that I have. Some things are very hard to let go of especially if it has a memory attached to it but you have the memory and that's what counts. Thank you so much for sharing your story.

[@susannaknobloch4601]

Thank you for your inspiring videos! 😀👍 In order to stay away from unnecessary (impulse-)purchases it could be helpful to calculate how many hours you have to work for it, in many cases the items feel instantly much less attractive.

[@4it4k]

1. Eating out and take out. 2. Fast fashion. 3. Accessories. 4. One time purchases. 5. Purchasing on credit cards. 6. Anything with interests. 7. Monthly subscriptions. 8. Disposable razors. 9. The "second grocery trips". 10. Being disorganized. 11. Living up to others' expectations. 12. Buying out of boredom. 13. Buying based on other people's lives.

[@amt7877]

Thank you,

[@magn0lia_tree655]

Thank you 🙏

[@sherbear2016]

Thank you very much for listing these!

[@deborahwalton-blanchard5817]

Thank you for the list

[@rachelkivarkis1801]

Ur bundle of joy, is so patient. She knew, mom is busy, so she is waiting for her turn. Beautiful tips, thank u. ❤️🙏👏🌟☘️🌹👍

[@lindawarden-burglund9603]

All such useful tips! They used to call it "keeping up with the Joneses"! My Mom and Dad taught us this lesson, along with avoiding impulse buying, extra trips to the grocery store, paying cash and limiting time payments, etc. growing up in the 50s and 60s. They grew up in the Depression, so it was second nature to them. You are a wise young woman!

[@CleaningwithKim]

Probably the best thumbnail ever on KZbin. I’m so here for this! Side note: that hair on sweet baby! 😍

[@teriaverillta]

I have listened to so many videos and read so many articles about saving money but this is literally the first one that has ever made sense to me and more importantly, didn't make me feel bad about myself. Thank you!! I'm sharing this with my 19 year old son as I think it's a great way for him to start his financial life, simple, practical and still allows him to be human!

[@michellemahadeo2365]

I love that ending statement. What works for others and their families may not work for you and that's totally okay. I say this all the time. I pretty much live by it. Everyone does things their way...doesn't mean your way is wrong. ❤

[@thewayofroses]

Thank you for bringing up that buying all organic food & new sustainably made clothing is not always accessible or affordable for people! A lot of times, “sustainable” clothing is expensive and that’s not always something people want to have to spend their budget on. I’m a believer that it’s okay to shop at Old Navy or Target, just don’t over spend and over indulge just because it is cheaper. Especially when it comes to kids’ clothing, I know a lot of people who don’t want to spend tons of money on their kids’ clothes because they know they’ll quickly outgrow it.

[@brendakrause5639]

I buy red paper plates also. Great with green for Christmas, with blue 4th of July. With yellow for spring. With orange for fall.

[@teresabarrett4706]

How miserable!

[@leilacamuslamnaouar]

Living the cash life is the best! Last year we paid off our house too and it is the best feeling. Good luck with tackling that goal!

[@MelindaMc]

Watch out because the department of motor vehicles would not accept cash to pay for my license, so glad I had my only card on me!

[@leilacamuslamnaouar]

@@MelindaMc I have a debit card that I use typically. I still consider that cash since it's not credit. But definitely good to know!

[@TheChemist418]

Getting take out is my big problem…it’s mostly due to being really depressed and unable to cook. I’m fending for myself out here, I don’t have any real friends or a partner to help and I work a lot, so my energy is zapped most days. Any of the food I make just doesn’t taste good, even if I follow the recipe to a T. I don’t understand what I’m doing wrong. Like I’ve gone to having ramen if I don’t get DoorDash or go to the cafeteria, because at least I can’t mess that up. Everything else, I really don’t spend money on. It’s all food. Sittin on the struggle bus here.

[@Tracymmo]

I'm in the same boat. I know it's tough. I try to buy easy things that are good for me, like prewashed greens and easy toppings like nuts, dried cranberries and crumbled feta. I can microwave a sweet potato. I eat a lot of oatmeal bevause it's a comfort food but cheap and healthy. Some frozen meals are really good, and I watch for sales on the pricier ones. I want to get back to cooking a dinner dish for the week on Sundays.

[@juniperbrooke3883]

One magical word. Crockpot ;)

[@My_Secret_ArtSketchbook]

When I got married I didn't know how to cook everything by scratch but learnt it. I am learning to cook many meals again because of memory loss

[@marykennedysherin3330]

Depression is common these days, just remember God loves you and will help you ,just ask Him! Also try to get those boxes of organic mixed salad greens to supplement your meals so you can get some easy micronutrients. If we don't get proper nutrition it can make us depressed! Read the Food Babe way be Vani Hari. Excellent book to help get on the right track and feeling better. God bless you , hang in there!

[@zehraatique8495]

You can join a cooking class to learn to cook food is far more important than any thing in life as commercially cooked food is not according to one’s needs and health be passionate about food

[@bokesnmokes]

I had a friend that started wearing essential oil back in the 90s. One time he asked me how I liked it, and got mad when I told him he smelled like a swimming pool. 🤣

[@carolannnoble3981]

I love it ... “own up to the stupid things we’ve bought” .... ahh so true, sadly sooo true😱

[@belindacrump8567]

A good tip for that “second shopping trip” if I just need to get 2 things, I look up online how much it will cost and I walk in with that exact money amount. I leave my other cards and money at home so I am not tempted and I only have enough to buy the 2 things I needed.

[@brindmusicnerd]

That’s a great tip 👌

[@therealmissglamBAM]

As many have mentioned below, thrifting for clothes has been amazing! Saving money while helping the planet, and you're able to switch out items more frequently if you want since you spent less to begin with and can just donate back. Can become a slippery slope though since you can get so much for so cheap. That and Poshmark if you're looking for a specific piece. Love your videos as always! Yes, the subscriptions I see ads for are ridiculous nowadays. Congrats on your successful finance journey and making so many wise decisions!

[@bridgethannah2933]

I’d rather have a high-quality used piece than a new lower quality item anytime.

[@therealmissglamBAM]

@@bridgethannah2933 exactly!

[@narcissisticabuseawareness3607]

@@bridgethannah2933 I agree

[@mr.a.]

Omg! Your a gem. I genuinely was thinking of how much I spend on subscriptions. I noticed it was $150! Monthly and my partner easily spends $200. Ouch!!!! Time to cut back.

[@lisab9541]

Hearing that you have made some less than smart purchase decisions in the past or lost things in the house and bought again for disorganization makes me feel so much better about myself. I tend to feel shame for everything and it causes such anxiety and hard to then correct mistakes.

[@azeezahgoodwin918]

I totally feel you, ordering take out feels like treating yourself especially when you’re overwhelmed, one thing that has helped me is ordering fewer items, maybe getting a burger and then not ordering fries, but rating a baked potato I made myself. That way I spend less and don’t feel like I’m depriving myself.

[@leeorbronis6239]

I would disagree a bit about using credit cards. Credit cards with a great points system will actually reward you with more cash by simply using your credit card. Of course you need to make sure you pay off your bill completely each month and keep tabs on all if your purchases. By paying it off completely each month you’ll build up your credit and get the points on purchase which can help pay for vacations or groceries etc.

[@MarielaMerino]

yeah i get cash back too. its nice to get something back for things you are going to buy like groceries!

[@gwenthomas1549]

I agree with using credit cards with cash back rewards. I pay the balance in full every month, always have. I use the rewards for things like buying joint supplements for my dog, iron supplements for my anemia or an occasional gift for me on my wish list.

[@padfoot122597]

Something I do for that is only use my credit card if I have the money to pay it off in my checking account. And then I pay it off immediately. Also if points are involved, I buy with my credit card what was already planned in my budget (groceries, gas, etc). So I’m all for point but I think it’s important to only buy with a credit card if you have the cash for it

[@veronica112234]

I used to agree with the credit card thing. It gif really easy for me swipe my card away at any number. Though I do pay back in full, it took a hit at my savings that I just did not need

[@rebeccacarlson9166]

I can't stand buying things in cash and then tallying a chking account every month with hundreds of purchases. Credit cards give you cash back

[@vejlin]

The transition from talking about how subscriptions bleed us dry..... to advertising a subscription service. Priceless.

[@amylewis7563]

I find a great hack for eating out is only drinking water and share everything. Restaurants charge up to $3.50 for tea and soda. Ridiculous! Maybe get 1 app and 1 entree, or 1 entree and 1 dessert. If 2 people share it, u still save. These are all great suggestions. I have cancelled all of my subscriptions and am getting ready to cancel my cable. My car is paid for and I have no credit card debt. It feels great. Good luck everyone! 😁😁

[@nissi0507Z]

Awesome! We’ve been “trying “ to get out of debt for about 5 years now 🙃 We start to budget.. but NEVER stick to it. I need to look at myself and NOT at my spouse first, and acknowledge that we are both responsible for this mess. We will get there! Hopefully sooner than later. Blessings! Kristina

[@brindmusicnerd]

Good luck! 🙂

[@ameliakat9982]

The Dave ramsey method helped me, but I also liked Fun cheap or free. She makes the break down easy. Dave ramsey is tough love

[@Juleesuz]

You will! Do one step at a time! You can do it! It takes time and patience. I have been there.

[@mariadasilva1341]

Write everything down Make lists Grocery $$$ Hydro $$$$ Phones $$$$ Clothes $$$ Reassess constantly You all get there!!!

[@Laure__Line]

I never stick to budget either so I found another method : instead of planning in advance, I count everything at the end of the month so it shows me instantly where I spent to much and where it was actually fine. That way I can keep track and improve month after month. My banker has actually complemented me because I knew exactly where my money was going and how to improve, and I don’t feel the pressure of budgeting and losing the battle every month anymore.

[@makulewahine]

I'm 80 years old and this is the best advice I've seen yet. Well balanced and real. I can certainly use some of these tips....especially the buying from boredom. I'm talking to YOU Amazon! LOL Thanks.

[@kellycraig1144]

Amazon is so dangerous!!!!

[@nataliegarcia73]

We keep powdered milk on hand and mostly use milk in recipes, never thought about it as avoiding the second grocery trip but glad it helps me save cash money! I also have to be careful with thrifting, it can be great to find stuff on a deal when you were going to buy it anyway but buying for the deal is a rabbit hole

[@auntiegliz737]

Yes, my dad used to say, "I can't afford to save that much money." :)

[@kimu.6227]

All our friends have redone their kitchens. Big awesome modern kitchens. When we bought our house, the question was “What are you going to do with that ugly 80s kitchen?” Nothing. Everything works. It isn’t modern but we have what we need. It’s been 4 years and a friend recently told us how she kinda loves how we’ve just embraced the house as it is. And that our kitchen is homey and “vintage.” Haha. 80s is vintage now. Anyway, no need to blow a bunch of money on something that functional and well kept. 😊

[@annagarnet1232]

Great tips Kallie. I SO agree with the “no browsing” in stores. Even if you must go in there - get what you need and get out! I liked what you said about being influenced by others. When I discovered essential oils I suddenly had to buy heaps of them instead of just starting with one or two. I do the same with make up when I find a lipstick I like. I need to buy all the colours. Slow down girl! 😆

[@makeupartistrybymuskan]

Impulse buys at grocery store, so relatable!💯

[@jillpolino6273]

I am currently doing the 30-day minimalism game and this is bringing me to make other decisions like spend for only what I need (clothes) and buy less but buy quality.

[@OmadLCNS]

For grocery, I do the other way around. I look at what's on sale that week in the grocery store I go regularly and make my menu around what's on sale.

[@rachaelerin1]

Wowww you really came at me in this video lol “Stop spending money based on other people’s lifestyles.” I really needed to hear that.

[@sunflowerrosem.8651]

We just sold our 21 year old van that we bought new when our kids were babies. Going to use that cash to get recessed lights in the kitchen - something we've been wanting for years! Feels good to reward ourselves in this way!

[@K119_]

And you increased the value of your home by doing so!

[@christineashby4003]

I really appreciate the "owning up without shaming" thing! Makes you reflect on it, but without the overwhelming guilt 😊

[@Jbridge621]

You will be so happy once you pay off that mortgage you can’t imagine the freedom from that big payment every month

[@alliemay6076]

My biggest savings have come from deleting apps. I used to have apps like Lush and Sephora that are just made for you to shop. If I was bored I would browse through to see if there was anything new and interesting. I also had to unfollow a few KZbin channels that were too focused around hauls

[@KacangFamily]

Yes!

[@sheilamorton5352]

Wow! You are so wise! I have watched some of your posts and you changed my life. I was never taught how to do domestic things. My mom and grandmother did everything so I had to figure it out, which is not that good lol. This post is so helpful. You said the things that will help, because it's things I don't really think about. I am going to share your post to help others like me who are not good at keeping a house organized and running.

[@Ouija1385]

Wish I had been this smart when I was your age!! I’m no longer in debt but it was a long and rocky road getting there. And kudos to you for powering through when your baby wasn’t cooperating with your schedule!!

[@user-lx7sr]

The girls in my family do a monthly spa day at home together. We do each others hair, mani, pedi, and skin care. Its fun, cheap, and you still technically have someone else doing it for you, it just might be your mom or your sister lol

[@mrs.martin3158]

That is such a good idea. That could also count as a frugal "Girls Night Out".

[@angieharris9744]

I love this idea ! tfs

[@lydia6372]

That sounds like so much fun!!

[@rosajaneiro1396]

Ditto!!

[@susie7336]

Can I be in your family??? 😬 😂

[@katkat2340]

Perfect points ! I just finished cleaning out a house of a relatives whole life’s stuff. Oh I’m going to become a minimalist or at least bare basics n favorites. Those gift stores are the devil.

[@sunflowerrosem.8651]

Same! And when you realize that old things aren't really worth anything to anyone else but the person who bought them in the first place, it makes you realize how silly it is to waste money on things that collect dust.

[@rebekahburcham3178]

In 2021, I helped with setting up for four baby showers. One thing I found helpful was asking close family and friends to bring one thing. Most people don't mind bringing drinks or paper products and it helps spread the expenses out between everyone. Also, she is so right about how there are so many subscriptions/memberships out there! I try to avoid them because they add up 🙃

[@daisybuchanan5378]

Callie, your video clip inserts are hysterical. We saved by buying our cars used, with as low miles as possible, and then driving them as long as possible after we’ve paid them off.

[@jaimib.4368]

I died at the “slippery slope” one and the guy sliding down the driveway 😂

[@peggypeggy4137]

@@jaimib.4368With the shoes flyng off his feet? I was thinking of that exact clip when I read Daisy's comment. So funny.

[@kdorko]

LOVE this! I am very anti-debt and, my parents ways taught me not to spend more than you have. I won't finance or use credit cards either.

[@samibuff1991]

Feeling awkward discussing money with friends - sometimes feel like you can't say no to people and then you end up spending so much more than you thought! Happened to me last month which inevitably lead to me being short this month. Lesson learned

[@heatherhawkins7808]

Keeping some frozen milk in the freezer is a great way to avoid that 2nd grocery run.

[@yvonnewilliams3329]

Thank you, I need to cut back. I shop because I'm bored and have those monthly subscriptions that I need to cancel. So thanks again for the tips

[@mamadahling]

Reminds me of my mother saying,”if your friend jumps off a bridge, are you also jumping?”

[@brendamcelyea1246]

Hahahaha! Heard that often!!!

[@jillwagner1823]

My Dad always said “ Keeping up with the Jones”

[@KacangFamily]

I’ve never heard that but my mom practiced shopping therapy

[@cerealkillerrxD]

Amazing video! You’re so realistic. I love how nothing here was sponsored, it makes your video more authentic. And you know how sometimes it’s hard to say no to certain things. I noticed I already did some of these things because I am lazy and don’t like going out shopping but a lot of things I needed to do like cutting back on groceries/ take out and also being more organized ☺️

[@roopz10]

I know this video is a year old but I really love how you tackled the idea of overspending, connected it to your life and changed, and still didn't shame people who were trying their best or just trying to get out of the cycle of overspending. Love the way you framed things!!

[@annaescobar5104]

I'm a stressed out mother to a toddler watching this. I'm also in school so I'm broke, and this kinda made me feel better!

[@clairewillow6475]

You can do it! I went back to school when my son was one and it was hard but definitely worth it xx

[@lovewhitey2027]

Go on amazon and get student discount on your prime membership Signed retired educator

[@KacangFamily]

You can got it Mama!!

[@susie7336]

So so proud of you! You got this!

[@suzbartos1439]

Going to also throw this out there: using a menstrual cup is sooooo worth it! Small up front cost, huge savings later on. Plus so convenient once you figure it out!

[@choosnau]

While also avoiding Bleach, chemicals, and dyes in tampons and pads

[@SouthernBelleReviews]

If you figure it out...

[@suzbartos1439]

Most helpful tip for me was to just cut the stem off ✂️ So much more comfortable!

[@shilpiray992]

U sound so much realistic.. someone so much like us, someone who changed herself from where we are now!! Ur tips sound easy to follow and not out of the world.

[@tlaoltjenbruns9580]

I love this kind of material! I am strongly thinking about going minimalist (or at least the broader end of minimalism) because my health is just not letting me clean and be as productive as I want to be. I'm tired and regularly in physical pain, but things need to get done. Your content really inspires me to get my life in shape before I do the marriage, kids, and mortgage dance. Going into that without a plan is not good for me, my spouse, and any children I have.

[@mcana1435]

Love this! I overhauled my life in this way about 5 years ago. Then I read a book called “Love your life, not theirs” but Rachel Cruze. Game changer! Love this video!

[@StFrancis9]

Biweekly payments take off about 7 years from the mortgage !!! :)

[@ShellL]

Only if the money is coming in Bi weekly. If you get paid weekly, fortnightly or monthly then that’s when you should pay. Decide how much bi weekly you want to pay. Let’s say $300. As soon as you are paid pay the loan: PAID: weekly pay $600, fortnightly pay $1200 but paid monthly $600 x 52 divide by 13 & that’s the amount you need to pay. This way the full amount comes of debt the same day you receive it.

[@StFrancis9]

@@ShellL i got paid biweekly. It’s very common. You end up with an extra monthly payment yearly to the principle

[@melissarocha9072]

I didn't know this. Calling Wells Fargo tomorrow

[@giannab2302]

You hit everything spot-on. We live debt free also. It took a few years of small changes. It gets easier and easier over time and then becomes a way of life. I am able to do more now and enjoy it more because there is no stress of ‘how am I going to afford this” moments. I save for big ticket items and pay cash! Such a great feeling. I use my cards for points and pay them off every month!