7 Bad Money Habits I Wish I Broke Sooner

[@allisonanderson]

Thanks for watching! Has anyone else made these same mistakes? Thanks to Blinkist for sponsoring today's video - get a free week and 25% off a subscription: www.blinkist.com/allison

[@Cazz28]

Allison make more videos like this! :)

[@Klara_is_finding_herself]

Yes, I don't plan my meals and grocery shopping and I buy coffee to go too often. I'm not interested in personal finance as well 🤨

[@plasticsandcastles]

Do you have any suggestions for beginner "go to" books to start making personal finances a hobby? :) I NEED to make it a hobby - all of your mistakes plus more = ME.

[@petermcclinton6593]

The takeaway one is a killer for me 😬😄

[@rodneybrown5889]

As for subscription offers, I always, always, put the deadline less 2 days, in my calender on my daily driver phone, to ensure I cancel before it starts hitting my bank acct...;)

[@NancyPerez-ur8bh]

I love how your channel has evolved into a “being happier and getting my ish together cus I’m a grown up” channel. I AM HERE FOR IT cus same.

[@caitlinscott3325]

Allison is the older, intelligent sister we all need

[@ambersmeets6736]

But really!

[@mariajosegamarracarrasco9479]

Agree ✨

[@marialindell6533]

Bad money habit: Keeping clothes I didn't really like instead of returning them. Why? Because I kept telling myself that IF I EVER go on a trip somewhere or go on a fancy date those clothes would come in handy.

[@lexi_daniela]

Maria Lindell same girl and just like those clothes you keep because maybe you’ll be that size again😒

[@xohannahbananaa]

YES YES YES OMG 😩😩😩

[@caitlinscott3325]

Same girl! I'm starting to get better at it but for some reason I always feel inclined to keep something I went out of my way to buy

[@MelpoReads]

Yes!!! I moved to a year-round tropical place for the military and my instinct was to keep my warm weather apparel. WHY?! I don’t want any of it in 4-8 years!! I now do the turned-around hanger method for keeping and ridding myself of clothes. Because we’re season-less here, I just do it every 3-4 months.

[@candycorn8ice]

It's the worst feeling to find clothes with tags still on them! I buy things just because there's a sale and I think its cute then I never wear them.

[@georgie8292]

Could you do a video about investing money in stocks? Like a beginners guide? I have no idea where I would even start

[@sarahann4007]

Graham Stephen on KZbin. His videos give great advice!

[@markfukubayashi4062]

Most finance channels will recommend Index Funds for a head start

[@DD-d6d3]

@@markfukubayashi4062 I'm an old person and a broad indes fund like the US 5000 index is the way to start.

[@sa311energy]

Something I learned in my party days to save money and save my dignity was bringing only cash when going out drinking. Once you’re tapped out. You go home!

[@jessieaugust6]

I did this too, the only thing I overspent on was my taxi fare 😂 I always leave a 20 in my hall (but now we have a 24hr bus service! )

[@tattoosbysaoirsewells5204]

I have anxiety so I can’t do this without thinking I’ll be in an emergency situation and have no money on me.

[@MyCosmeticsworld]

Another great tip that I got from my Dad is to have cell phone (or email if that's your preference) notifications every time something gets charged on your debit/credit card. For instance, every time I purchase something at the store (or anywhere) I get a text message sent to my phone saying money has been deducted. Not only is this great for security purposes (in case someone gets hold of your card and start using it) but also it keeps you in check of what monthly recurring payments happen because you will receive a text message every time they charge so you are forced to remember these payments and not forget what you are subscribed to.

[@re3mai]

How do I enable this on my phone? Do banks have this option on the app?

[@sarahann4007]

Reema Ismail I know most credit cards have the features and you set them in your account on their website. My credit card has ssooooo many options so I get alerts for charges over $100, when my card is charged and not present, when I get a credit added (returned items) when my balance exceeds a certain amount, and probably others I can’t remember. 😆

[@MyCosmeticsworld]

Reema Ismail I was able to do this on website of my bank. My bank has alert preferences for each account (master add, savings etc) and then I just clicked on alert preferences. I think it should be about similar for your bank but if not you can always give them a call ( I know that’s not always convenient)

[@kaylagaudynski3133]

1. Buying coffee in the morning rather than just making it myself 2. Wandering around a TJMaxx for an hour not needing anything but walking out with multiple things Quarantine has helped me seriously break these two habits 👏🏻👏🏻

[@sheylaalers4168]

I started not buying coffee 2 yrs ago! You can really save.

[@kodarayne7877]

Literally meee 😂

[@jessieaugust6]

Quarantine has been great for my finances, I think a lot of us are going to come out with much better financial literacy

[@delaneystates3708]

Omg I never leave Marshall’s/TJ empty handed everrrrrrrrrrr. So I just don’t go as often as I was.

[@TheAndrusko]

I've been going on Etsy to see different graphic designers work, purchasing a print for less than $5 then printing it out at my local print store on good paper for maybe $2 max. I've used either frames I already have or some from the Australian version of target for $8. That was I'm supporting two small businesses and can switch out the artwork after a little bit, putting them in a paper folder to protect them incase I want to use them again! It's my favourite way to update a room without being wasteful or breaking the bank! Loving these financial videos!

[@carielynn9530]

Mine has to be going to Starbucks too many times in one week! My husband actually created a speadsheet (insert eye roll lol) but he did it for what I spent at Starbucks in an entire year and I was shocked! I for sure love my coffee, but have gotten much better at just making it at home and taking it with me to work!

[@k8ster86]

Same!

[@melindaleander4748]

Girl, same.

[@Lifeissorich.]

We can all agree Bank of America is an awful bank. Personal finance is a top 2 hobby for me!

[@KrazyKrizzz]

Rezalion they’re horrible!

[@Josefina24_]

KrazyKrizzz I like it enough for a student account since I have no fees. But i am planning to switch I just don’t know where to :/

[@jenna08rae]

@@Josefina24_ BOA offers a ton of ways to avoid their account fees, you'll just have to look into it once you're out of student status :)

[@taylorturner6820]

Josefina H I would look into credit unions!! They usually have really great policies and low fees. Just be sure to research ones in your area

[@kpenn12]

I have a degree in accounting, but I never had a class in personal finance. Never was I offered one in college. Now that is criminal.

[@Ellenfromdownunder]

I'm one unit shy of a degree in Applied Finance and I'm in the exact same boat!

[@carahamelie]

Starbucks... how did I keep up that charade for so long... lol

[@alanat5816]

I add all subscriptions and trials to my google calendar as a monthly recurring event with a three day before reminder. That way, if I need to skip/cancel, I do it in time.

[@moneybee]

Recurring expenses can really hurt your budget! Especially when they make it so hard to cancel. This is such a great series, Allison! I love learning about people's financial journeys 😊

[@Monicablackard]

Please do a video on how to start investing in the stock market!

[@TaybearXD]

Yes, I’m totally clueless but would love to invest

[@heavythinker16]

Please make a podcast!!

[@audreannedallaire7436]

Thats actually an awesome idea! I would LOOOOOVE to listen to Allison talking for hourssssssss!

[@blobster91]

Yessss please and thank you!

[@MacyIG]

great idea. I so love listening to her. Alison can talk about anything - I am in! so informative and at the same time calming.

[@nataliabaage]

Love this. Excellent video! The one I relate to most is not meal planning. I always bought good groceries, but without a plan. So, like you said, a ton of xyz produce or grain or protein, but nothing to make a meal with it. I switched my thought process in January and I'm so glad! xx

[@KM-bl6pv]

When you mentioned the $100 Lululemon leggings and instead investing into the stock market, I was shocked cuz it felt like you were talking to my lululemon loving self. Great video! All of this advice is extremely useful!

[@shurikinz]

Please do a video on basic/intro to investments & your easy, simple, go-to meals that you cook instead of getting take out!

[@mercedesrodriguez9991]

This was good. Thank you. The subscription thing is so common, that's probably why they do it! I have Alexa remind me to cancel my free trials and I have her remind me like four times in the two days before the subscription TRIAL ends, that really helps. I'm so glad you brought up meal planning. Don't wander down aisles. Definitely keep staples like pasta and frozen and fresh veggies...but plan AT VERY LEAST 3 meals a week , buy only the ingredients in the recipes. that way when you have leftovers you toss them in with the pasta and some vegetables and voila! there's another meal, you DEFINITELY save money ( and time!) doing this. Buying random food without a plan ends up in spoiled food just make a habit of making at least three large meals a week with the recipes pre-planned, whether it's vegan or meat you can make a beet loaf or meatloaf that can be sandwiches the next day or thrown in by a salad you can roast a chicken and throw the extras in in a pasta the next day same with pork loin just plan a very nice meal three of them and you will probably end up eating very nicely for at least five to six nights and lunches that week which makes that one dinner out more justifiable. Bank of America is a horrible bank, before you were born an ATMs were born they actually decided to charge you if you went in and used a teller well I lived in San Francisco and people were coming into work actually black and blue and I would ask them what on Earth happened and they would say they got mugged at the ATM so basically that bank was causing people to get mugged! they always charge a monthly fee they never cut you a break and they never cut me a break on any overdraft and I quit them forever after being with them way too long and I still know people that for some reason have a devotion to that bank- I have no understanding why-- almost any other bank in existence has better monthly packages and better offers than Bank of America... As per art, I have noticed that way too many millennials and minimalists do not have genuine art hanging on their walls. if you study art a little and find a period and an artist that you like and you actually have money, it is definitely an investment to buy a piece or two and a lithographs can be very affordable, and they are art, they are numbered. They're not inexpensive but if you have money if you can afford thousands of dollars worth of cameras, you can invest in a couple of $1,500 lithographs by a genuine artist and display real art rather than what they call "wall art" in your living space. Just a lithograph near a sculpture can add such taste, grace and sophistication to your decor. That is pure opinion and it's only valuable if art is valuable to you. Thank you, again! I subscribed, your content is very helpful!

[@elysemelon]

Ugh I feel the cycle of buying inappropriate groceries and then buying takeout down to my bones. It's a little bit on the expensive side but we started getting hellofresh. Less than takeout but with the feeling of variety that takeout gives you. We're still saving by it!

[@MissGinger1123]

Yes why is meal planning and grocery shopping so hard lol

[@RaqMor13]

Because every meal takes up so much work and time. You have to plan,shop,prepare,cook,clean,eat,clean. Way easier to buy out.

[@julialouisetutt]

I loved this video but I thought the sponsored content didn't quite fit just because you had just mentioned subscriptions you forgot about- and I have a feeling blinklist would be something people would forget about and keep paying for. Would love to see you review some finance /adulting / self help audio books instead!

[@XEveryoneLovesEmilyX]

hahaha i thought the same thing😂😂 Funny how they let her put that in the video 😂

[@skylarsutton5315]

It’s all about a happy middle ground for me. Each month I put $25 in my Dunkin’ app and that’s all I get for the month. It’s something that brings me joy so I wasn’t going to stop completely 😂

[@OnTheGoWithCarson]

Your finance videos help me so much! I'm in a place where my finances are fluctuating a lot so it's nice to have these tips to keep me grounded and looking for the future. Keep them coming!

[@SeanLei]

BofA hit me with an overdraft fee, so I called them asking if I could have it waived for being a "long term customer". They actually waived! Doesn't hurt to ask. Might just close my BofA account though, been enjoying Charles Schwab much more especially with their world-wide atm reimbursements (great for travel!)

[@cynthiaann675]

I used to buy too much makeup, clothes & accessories. I would also not care if I had debt.

[@mariazak37]

love this kind of video because I can realize how many mistakes I did too. Same for paid subscriptions, bank accounts, buy water, personal investment. Love your corner with green plants and candle ♥

[@candymindt]

Allison these videos are the best! I feel like your videos are some of the best content I’ve seen in years.

[@sweetness371]

My worst money habit was following too many KZbinrs and Influencers and letting them talk me into spending money on things I didn't need! Lol. Had to cut out a lot of beauty channels and fashion bloggers over the years. It's too tempting when you're constantly bombarded by the latest trends and the need for more stuff. I'm glad haul videos have kind of become a thing of the past. Now I just need to really be careful around sales and thinking I'm getting a good deal on things I don't need.

[@claricemurray926]

How about a wall crotchet hanger for the back. You’re into neutral colors and that’s something that could go into any season. My bad bad bad habit was buying coffee at larger companies and always feeling like I needed to buy the latest coffee cup and water bottle because they just released it instead of thinking about things like I have cups at home or I don’t need the water bottle. It was “because it was cute” many unnecessary things got added to my cart and now I’m being more resourceful.

[@jen19lyn]

Loved the video- would love to hear more about your investments / investing strategy / apps you like etc

[@catie4536]

I loveee how honest you are abt all this

[@HolisticMoney]

These habits can definitely get out of hand if you aren't paying attention to them! Especially eating out! Also, love the candle! I think a piece of art would look great back there.

[@nicoleselfe2126]

You’re brave for sharing! We’ve all made these mistakes, thanks for teaching others of these mistakes

[@courtgoescrazy]

Not only make meal plans and grocery list. But then write how much each item will cost Next to it. Add it up. Then when shopping as I mark off the list I put the actual cost. And you can see if you are under or over budget 👍

[@rheavals]

For me, buying luxury handbags! 🤦🏻‍♀️ and now my madewell totes/bags are my favorite because of its good quality yet it’s not so expensive that I wouldn’t mind throwing around.. and also buying too much clothes, shoes and other contemporary designer bags that i just ended up giving away to my cousins.

[@inea-fijourney22]

Awesome vid. We all have done money mistakes, the most important thing is notice them and stop doing them.

[@eyyalex]

There’s no reason to pay for a checking account. It’s fairly easy to get a checking account without the monthly maintenance fee. However, as someone who works in banking and has to deal with this frequently, it’s imperative that people look at their accounts regularly, at least when the statement generates. If there’s fees you don’t agree with, find out how to avoid them, and if you can’t it might be best to switch banks. We see so many people that haven’t looked at their account in like 6 months, and it’s hard to help at that point. Some banks definitely go overboard with the fees, but we also all have to take personal responsibility. Also, if you do get hit with a fee, ask if they can refund a fee as a one time exception. Worse case scenario, they say no, but it’s worth a shot.

[@jenna08rae]

Agreed. Banks are corporations, not non-for-profits. We can't expect all banks to offer free accounts! Lol. There are numerous ways to get free banking services with all the big banks, we just have to do our research. Again, these companies are not in business just to hold our money, develop an app, source ATMs, etc, for free.

[@ayo_k32]

I love how the thumbnail says "I WASTED MONEY". Story of my life lol

[@ElizabethGilbert2]

I like your background a lot as it is! It's calm and minimal, and the candle makes some good variety and movement

[@runwaychick7]

Girl, we have a very similar history! Before corona, I read a few inspirational personal finance books and was so ready to save and invest- and then my job got cut to half time.....

[@BubblyBrunette7]

Love the new background! Thank you for making personal finance videos - not everyone is open to discussing money and it’s so important!

[@racheltodorovich2080]

Bad money habit: not checking your bank statement Gone are the days of balancing your checkbook.. everything is as easy as a quick swipe of plastic which can make things add up fast without us knowing. Even though everyone probably has their bank accounts on their phones, I still still we are guilty of not always checking the as often as we should (I know I’m guilty). I was kinda surprised that wasn’t listed as one of yours.. maybe it wasn’t a bad habit and you did check them but when you talked about subscriptions adding up, I thought to myself “weren’t you checking your statements every month to see what’ charges you’ve incurred?” I still struggle with checking mine prior to my statement coming out so I’ve started to set my accounts to send me texts when there are transactions to keep things visible!

[@whosallyanyway]

I actually love the minimal background :) Think you've got just enough going on that I can focus on you and not the background "stuff" :)

[@MacyIG]

I liked the deep green background you used to have! There was something soothing about it, as if you were outdoors sitting in the forest surrounded with trees!

[@AdamJBell]

Something the same color as your desk would be a cool touch to the decor 👏 Related to a lot of these points my self !

[@Userhme]

Yes, I would get an incidental or sick leave often and with the quarantine and working from home I discovered that I was sacrificing almost 2000 pounds of my currency which is a huge amount per month. I also used to go online shopping from abroad and in my country you pay 51% of the total invoice when received you can imagine the amount I lost, i started now to plan my purchases especially that many international stores are now opened in my country. i also used to buy whatever cosmetics and beauty products I find in my way sometimes I would go to the store and buy for 3000 pounds and then what happens, they all go bad, dry, or expire. Now I started to put on a certain plan for the products I use and buy only what I need and never buy two products at the same time

[@britaneelilly8147]

Local credit unions are my favorite.

[@vegahw]

🙌🏼

[@jaimieriffle9816]

Water bottle My husband and I usually drank from the sink, city water. I have a couple reusable water bottles. But it’s tastes so much like pool water we had to buy a case of water. The home decor I don’t buy home decor. I have a couple store bought shelves but I have shelves I made out of cigar boxes and I enjoy painting, so the only things hanging is what I have made, pictures or what someone else of the family has made me.

[@g.fortin3228]

Buying coffee out everyday.. now about once every couple/few weeks. AND water.. best investment is a good quality filter and a good size bottle ! And your home brew coffee tastes BEST with that same filtered water :- )

[@TheQUBANQT]

*My current money waster is Food Part #1 Uber Eats: I have such a habbit of ordering take out bc I absolutely hate cooking. Part #2 I randomly do grocery shopping in hopes I'll actually cook & end up with massive amounts of food waste.* Suggestion: Add more plants or art as a background. Relatable: That same situation you had with BOA I had recently on an account with them. I ended up -$13 on an account I could've sworn I closed October 2019. It really upset me bc I intentionally closed all my traditional bricks & mortar bank accounts last year to avoid monthly charges & low intrest rates.

[@abigailwinn4700]

Treating my credit card like a debit card. My score took a big hit recently and my next paycheck is almost all going to pay off that debt. I'll be returning to the grocery/meal planning down to the penny!

[@kenzienettleton6184]

How do you meal plan when you don’t have a lot of money? I don’t have much money but find that I always go over in the grocery store .

[@abigailwinn4700]

@@kenzienettleton6184 I buy dry goods in bulk at cheaper stores like WinCo or Walmart. I try to add to my spice/seasoning collection when budget allows so I can make more things at home. I make my own sandwich breads. But honestly the thing that helps me the most is having a budget and pre-determined amount of money. I use my phone calculator to add up costs, especially costs that change depending on weight (think produce, meat, etc.).

[@Josefina24_]

I needed this now 😭 this couldn’t have come at a better time

[@PlaninProgress]

Mea culpa! I paid bank fees for TWELVE years being forever disappointed that I had not managed to keep the $3k minimum. The minimum increased to $4k and this is the first year I’ve been able to leave that buffer in place to avoid the fees.

[@bge1234]

The bank my family used when I was growing up started charging fees for previously free checking accounts after they got bought out by a larger bank when I was around 16 (with my own account). I wrote them an angry letter and the response was that all banks did it so I just had to accept it. I ended up switching to US Bank where the checking accounts were free with no minimum balance!

[@brookemurray]

I noticed the candle right away 😆 I remember you mentioning in a newer video that you don’t burn them anymore. I love a good smelling space, it doesn’t have to be a bath and body works one for me but it sets the tone for me :) I loved this video!! Could you please do a video on how you meal prep and be smarter when grocery shopping. We go to the grocery store too often and I wanna change that habit 🙋‍♀️

[@juliegross6889]

To all my fellow Canadians...I HIGHLY recommend banking with Tangerine! I switched to them a few years ago and couldn't be happier. I NEVER pay any fees, cheques are free (my old bank charged my $50) and I have a money back Mastercard with them!

[@mayvel1537]

Ya I went from Tangerine from BMO and best decision yet. No more monthly fee too

[@potato-kitten4181]

The BOA situation happened to me as well. They had changed to wafed. I was so mad. They took $400 without me realizing and I had to pay a overdraft fee as well... capital one has 0 fees and 0 minimums

[@tattoosbysaoirsewells5204]

I still love getting a Starbucks when I’m out running errands but learned to make my everyday coffee at home. But I don’t think I’ll ever fully rid myself of iced lattes from Starbucks 😋

[@arthurtheaardvark13]

I LOVE these finance videos! Thanks girl, keep them coming!

[@madeleine6749]

Allison I can’t say how much I appreciate these videos. There are so so so many channels similar to this but I don’t have to connection I do with yours after following for so long. I’m a 22 year old business student but am nervous about how little I know about personal finance right as I’m about to enter adulthood under such shakey economic circumstances. Please keep this up - also what would be your recommended bank for a checking/savings account with the 1% interest that doesn’t charge you for keeping an account?

[@carolineweeks2660]

You should check out Ally bank! No fees and great customer service!

[@lifeofthesanjuans]

I learned so much just by listening, reading and watching Dave Ramsey stuff. Stuff I cant believe i should have started at the age of 18

[@vegahw]

Mine is still Starbucks... I can make it chai or coffee at home but it’s just not the same. Also, online shopping lately with quarantine. 😩😅

[@isabellerodrigue7836]

Have you ever red The wealthy barber? I did when I was really young and it explains some important basic tricks on saving in a simple and fun way! In my opinion it's a must read :)

[@cassandrafortin4684]

I really like your content lately. So informative and different! Thank you Allison. x

[@johanna4456]

I actually never had issues with grocery shopping and cooking. But I do love to go to restaurants especially for the service part 😁 but it’s always a treat for me

[@inspirekathryn]

Maybe put a photo of a place you’re planning on visiting next for the background? Like a visualization/vision board vibe.

[@taylorcarter2857]

Wells fargo charges a fee for a checking account unless you have direct deposit of at least $500 a month and/or you use your card 10 times a month. I know a lot of people dislike that bank but I never had an issue ever.

[@kyliee3685]

Love that not cancelling subscriptions you didn’t use was something you regretted. Which was literally straight before your ad for a subscription service. 😂

[@natatttttack]

I love your money videos!! I find them so useful and insightful.

[@ashwan9416]

Thank you so much for posting videos like this! I love these so so much 😊

[@susanvelez6534]

Im so happy to see how you have grown so much. I was hysterical with the candles from BBW. Some of the you tubers were nuts lol, it was a sin not to have one in the back lol . Excellent points Allison, so proud of you darling!

[@Sassy28311]

Same here lol. I try to stick with one candle at a time now because if I don't it's easy to slip back into the frenzy lol

[@tennesseemaria1698]

Can you please do a video on stocks? I’m so interested and love seeing/ reading different perspectives. I’m not invested in any personally but maybe soon. Thank you for this video! :)

[@laurennoe1301]

Love that you do these videos!

[@kaitlinlaw8808]

Just FYI - most banks will charge you a fee in your checking account if you don't have a certain amount of $$ in there normally. So I wouldn't say this is necessarily a bad thing if you keep $1K in your checking account at all times...which if you are paying bills from your checking account, theoretically that shouldn't be an issue.

[@notinusediana4991]

I'm so picky that if I saw a weird withdrawal for subscription I'd go crazy haha. I like to cook and love food A LOT! So I'm not saving when going to restaurants because I think it's an investement when going with a friend or your partner - it's an experience and time well spent! :)

[@estherdarling6509]

I used to have food delivered for every dinner time meal. It cost me a fortune and I only realised how stupid I’d been when I gave it up and started using the cooker at the start of this year 😩

[@meid9158]

i'm kind of glad i never spent excessive amounts of $$ on starbucks. occasionally i would get one of their special summer drinks but other than that not too much. i always thought that it was a waste of money to spend $6 on a coffee drink when i could make the exact same (even better) drink at home.

[@jennyzhang7332]

LOVE your videos on personal finance

[@srey_p]

Bank of America is the worst!!! When we moved to the east coast from the mid west we just picked a bank since they were everywhere so they must be good right? Needless to say we shared a similar situation like you. Horrible customer service as well 😡

[@ReeceCaruso]

Great suggestions this is such an important topic to be discussing right now. I really enjoyed the video!

[@nikkipavisic]

Just went through and cancelled some open subscriptions. I had no idea I was even paying for Apple TV. Thanks for this reminder! Love this content. Maybe next video can be on best books/websites/articles you turn to for personal finance education?

[@Remilovescoffee]

Loving these finance videos!!!

[@albinaahmedi3457]

You can put a push pin world map, and you can pin places you've visited or plan to visit!

[@myfairladybug621]

YES! Bank of America charged me so much in fees between my checking and savings. It was so frustrating.

[@mim1457]

I actually JUST cancelled a bunch of subscriptions. They seriously drain so much money if you don’t pay attention to what you’re actually using!

[@MostlyMeg]

I am here for ALL the finance talk!

[@janetrichardson2644]

We’ve all made some of these mistakes. I think we all need to re-evaluate how we spend money frequently. Little changes can reap big rewards. I never fell into the trap of buying coffee out but that’s mainly because I’m a tea drinker. The thought of paying $3 for a cup of hot water with a 10 cent tea bag hurts me to my core. We had a bad experience with a large bank when we bought our second home. They discounted the initial interest rate by half of one percent (this was when interest rates were double digits) so that seemed like a good deal until all the checking account fees and other crazy fees ate up the savings within a year. We ended up refinancing with a mortgages broker that with another bank. Six months later the mortgage was sold back to the same bank we had original bank but at least with different more reasonable terms. Lesson learned - always evaluate the true cost of a loan and have a plan to pay off early and further limit any finance fees.

[@SarahSWeber]

Who the hell dislikes this video??? I enjoy your latest videos so so much. And I like the content. PS: my first thought after seeing the candle in the background was "oh, just like back in the day" 😂

[@Frea_]

People working for the Bank of America maybe? Lol

[@meagan4306]

Your finance videos are my favourite 😍

[@sarasbeautyblog]

I have been keeping a document with details of what I have been spending money on. I break it down into different categories to see where my problem areas are. Something that I did notice - don't take husband grocery shopping. I let him convince me to buy all this extra stuff that I don't need and that we don't eat.

[@kjlinger23]

Pro tip - put a reminder in your calendar a week before your free subscription ends so you have enough time to cancel and avoid those charges!

[@rejoyce2121]

I love these videos of yours Allison! Thank you!!!

[@Andrea102295]

Thank you sooo much for these videosss ♥️♥️♥️

[@parisabbagh2766]

I really enjoy your videos. They are so inspiring. I've recently started to live like a minimalist. It made me so relaxed and peaceful. So when I need to buy something, I do so much research, and try to don't waste money for the things that are cheap and have bad quality. But I really need help to know about brands that are sustainable and I can have them forever. That would be a good idea if someone can tell us about sustainable brands.

[@charline5775]

Hi, I know some good brands. I started to replace my old cheap clothes by some which are more sustainable (Everlane, Organic Basics, Kotn, Tentree). If you have some time, go to check this channel : @asmallwardrobe. It is really interesting :)

[@amelipalm]

You have to check out kajsa walin art. She has a lot of prints that would suit you. Nature, travel, minimalist. Her work is so beautiful!!!

[@taresy6789pp]

Compulsive outgoings in buying results in depreciation to value of asset greater restriction will result in greater financial security!

[@admirbarucija2018]

I’m excited to hear your tips, your videos on finance have helped me shape up my financial habits quite a bit! 💗