It was definitely easier to do a low spend this year and was able to buy my own condo! It’ll help me save more as my living expenses are now lower so let’s see how this year goes ❤️ best wishes for everyone this year
Hair oil tip: I use a light food oil, like sunflower oil an just use a drop in my palm, rub hands together unti you don't think there is any left and just put through the ends. Works great in the winter when it's drier. Takes just the tiniest amount to make a huge difference. And you can use the oil for food prep. Plus no heavy fragrance. Enjoying your video and transparency.
For the phone that cracked since it's used for business you can get the screen fixed and write it off as a business expense. Just depends on your state.
This year i am trying a no spend year. I will continue funding my clothes sinking fund, for example, but i wont buy anything from it (i am allowing myself replacement things, for example if i need a new pair of gym shoes because i only use one pair at a time, but i am not buying anything new or unnecessary). I will also try to actually FINISH consumable products before buying a new one, i have a lot of skincare that needs to be used.
Fantastic! Congratulations! It's amazing how much changes when you cut right back, doesn't it! Good on you - I did the same thing with saving for personal spending and not purchasing it until I have saved for it. Well done
I think it’s all about priorities. For example, I pay less than 1K on rent and live in NYC with roommates. If I paid $1500 I could live on my own but that $500+ can instead be spent on small luxuries or items I like. I do agree though that completely spending mindlessly is not wise but some people can afford it depending on their individual circumstances. (Living at home with parents could defn save a lot of money as well)
Yes for sure! Saving on housing in HUGE and I know that can make a significant difference and I could see how it wouldn't feel so bad spending because of that!
I was really glad to listen to you on your no spend year. Since l have been involved with sinking funds and keeping a track of my bills l have improved my funds so much. Thank you for sharing.
Pretty amazing. I was listing to the part were you only paid $556 on student loans and thought she isn't going to come close to her $20,000 toward debt goal. Then you justified a few things that were not needs so I was more convinced. Then you got to the $6000 +cc and the $2000+ co-signed car and it's like you go girl justify $40 in parking all you want.
😂😂 I thought this was going to be a mean comment at first when I started reading it lol And I know at first it doesn't sound good especially with my living costs, but I'm throwing all extra income at this debt! Thank you!!
Wow! Seeing how much you saved is incredible. I'm doing a No Buy in 2021. We are only on Day 5 and I've already spent about $100. It was on gifts for important people and on things that support my mental health. I didn't factor in how much self-care is a priority for me. I will need to add an expense for that now. Best wishes
I have just discovered your channel and I love it! I'd love to start a No Spend Year 2022 but I fear to break it very soon, especially regarding the expenses for my 4-year-old son. He's my weakness ❤️ and I just love to buy presents for him. However, I think I can work on a reasonnable budget without totally sacrificing the purchases for him. Thanks for the inspiration, Leila!
Thank you for watching!! The best thing to do is plan out your spending for the year! This would include gifts for your son and anything else you want to still buy but limit. So it would be more of a low spend year 😊
Amazing, congratulations on such a great money journey! I completely support your approach to supporting ethical brands and purchasing second hand when able. I try to do the same as much as possible
You got my "like" at the sustainable purchases part (I just signed up for a zero-waste grocery store today). Would love to hear what you plan on buying this year. I think I will make 2021 a "low-spend" year. Looking forward to checking out more of your vids!
I don’t think I could do a no spend year like you did but I did change how I looked at money. Prior to 2020, I always set savings goals each month however this I adjusted it to be a spending goal - which meant that months where I had more income (i.e. work bonus, birthday, Christmas, and even when I won your contest) I didn’t use that as an excuse to spend more money, I kept the same budget so my savings increased.
I've started my no spend year, im gonna do it month by month as you can never know whats around the corner. Its the 5th so only 5 days in but no spend so far lol xx
I don't mean to sound dismissive of your accomplishments but you stated you were gifted many things. I appreciate the transparency but I feel this somewhat diminishes the purpose of the 'No Spend' efforts. Although you technically didn't make the purchases, it fulfills the want/need to have done so at no hit to your expenditures. This is a luxury the general populace is not afforded.
I agree but disagree if she's gifted that's not out of her income which I would see it as optional. She did not say she was punishing herself she said no spending as her own money or income. The Gifts can and could include many things trips, spending cards and whatever the givers decide to bless you with.
I understand what you mean, however, the bulk of the things I received were not things I would have necessarily chosen to purchase on my own. I also am not someone who has millions of followers, so I probably only received a few hundred to $1000 in free products. I also have been creating content for years and the option to put yourself out there to do that IS available to most people.
p.s There is still a lot you could cut out. If you have a landline you don't need a mobile phone. Sometimes it's even good for your mental health to switch off. You are probably staying home anyway. Spotify not necessary- there is youtube for music. Car : you can bike or take public transport instead. Beauty products: aim to restrict it to one small make up bag. 17cmx24cm. I've been watching a lot of these american low spend - no spend videos for inspiration and seriously there is so much excess still after they declutter or reduce spending. One american woman I saw has 2 drawers of makeup! It should just fit in one bag because you are not going to wear it all at once nor finish it in one year. Plus it all should be fully portable for moving house and travel etc.
@@PersonalFinancewithLeila I think you can get a better deal for the mobile phone. Maybe half that. Also $100 is still a lot for a music service. That could be the difference between you eating and not eating for 2-3 weeks if things went really pear shaped. That could go in your emergency fund or towards any debts instead. Also people don't need more merch. They can save money that way. Helping the planet and ourselves means we need to stop consuming 1st hand goods and buy 2nd hand (which is cheaper anyway and often in good nick) essentially joining the circular market. There is probably enough clothing in the closets of the UK and America etc to reclothe each other's nations thrice over lol. Just saying....your topic is afterall money saving and the reduction of consumption. Consider this constructive feedback :)
Healthcare here is absurdly expensive. My insurance is over $500 a month for just myself. And most people have to pay a monthly premium but still get bills for being seen. Staying healthy is a must here if you want to save.
@@PersonalFinancewithLeila I agree being healthy and able to work is essential. I'm actually just coming out of shielding for my vulnerable family members (they got the vaccine) so I am starting to job hunt after a year without work and on benefits. No shame whatsoever. But I have a brother who lives in the US. I just don't understand why he would choose to live there when he can work for the same international company and get free healthcare here. He would save so much money as you say.
It was definitely easier to do a low spend this year and was able to buy my own condo! It’ll help me save more as my living expenses are now lower so let’s see how this year goes ❤️ best wishes for everyone this year
Congrats on buying a home!! Lower living expenses is huge so I'm sure it will help a ton!
Hair oil tip: I use a light food oil, like sunflower oil an just use a drop in my palm, rub hands together unti you don't think there is any left and just put through the ends. Works great in the winter when it's drier. Takes just the tiniest amount to make a huge difference. And you can use the oil for food prep. Plus no heavy fragrance. Enjoying your video and transparency.
Congrats on such a successful no spend year! Paying off $20K in debt is incredible. 👏🏽
Thank you! 😊
This is awesome! I have never tried a no (low) spend year but I have started 2021 with a plan for that. Thank you for doing this.
Yay!! Good luck!
For the phone that cracked since it's used for business you can get the screen fixed and write it off as a business expense. Just depends on your state.
Hmmm, this is genius. I can't believe I didn't think of that, thank you!
This year i am trying a no spend year. I will continue funding my clothes sinking fund, for example, but i wont buy anything from it (i am allowing myself replacement things, for example if i need a new pair of gym shoes because i only use one pair at a time, but i am not buying anything new or unnecessary). I will also try to actually FINISH consumable products before buying a new one, i have a lot of skincare that needs to be used.
Yay!! That's amazing, good luck!
I started doing that with skin care/beauty products too and it saves so much!
Fantastic! Congratulations! It's amazing how much changes when you cut right back, doesn't it! Good on you - I did the same thing with saving for personal spending and not purchasing it until I have saved for it. Well done
Thank you Nichola! 😊
I think it’s all about priorities. For example, I pay less than 1K on rent and live in NYC with roommates. If I paid $1500 I could live on my own but that $500+ can instead be spent on small luxuries or items I like. I do agree though that completely spending mindlessly is not wise but some people can afford it depending on their individual circumstances. (Living at home with parents could defn save a lot of money as well)
Yes for sure!
Saving on housing in HUGE and I know that can make a significant difference and I could see how it wouldn't feel so bad spending because of that!
I was really glad to listen to you on your no spend year. Since l have been involved with sinking funds and keeping a track of my bills l have improved my funds so much. Thank you for sharing.
That's amazing! Sinking funds are so helpful.
Thank you for watching!! ❤️
This is so incredible! I would love to do a no spend year. I’m definitely planning to incorporate some no spend weeks/months throughout 2021!
Yay!! It's definitely worth it!
Pretty amazing. I was listing to the part were you only paid $556 on student loans and thought she isn't going to come close to her $20,000 toward debt goal. Then you justified a few things that were not needs so I was more convinced. Then you got to the $6000 +cc and the $2000+ co-signed car and it's like you go girl justify $40 in parking all you want.
😂😂 I thought this was going to be a mean comment at first when I started reading it lol
And I know at first it doesn't sound good especially with my living costs, but I'm throwing all extra income at this debt! Thank you!!
No spend 2021 for me starts today! So excited 💕
Yay!! Good luck and please keep me updated!
I have started mine as well! Good luck!
You should be very proud of yourself! This is very impressive!
Thank you so much!
Hi Leila. Great job 👍
I'm struggling with saving right now.
Thanks for sharing this video.
Greetings from Brazil
Thank you Flavio!
Wow! Seeing how much you saved is incredible. I'm doing a No Buy in 2021. We are only on Day 5 and I've already spent about $100. It was on gifts for important people and on things that support my mental health. I didn't factor in how much self-care is a priority for me. I will need to add an expense for that now. Best wishes
Yay good luck!!
I still budgeted for gifts and yes definitely make room for the things that actually make you happy!
I have just discovered your channel and I love it! I'd love to start a No Spend Year 2022 but I fear to break it very soon, especially regarding the expenses for my 4-year-old son. He's my weakness ❤️ and I just love to buy presents for him. However, I think I can work on a reasonnable budget without totally sacrificing the purchases for him. Thanks for the inspiration, Leila!
Thank you for watching!!
The best thing to do is plan out your spending for the year! This would include gifts for your son and anything else you want to still buy but limit.
So it would be more of a low spend year 😊
Wow, you did amazing! The stun gun and pepper spray were definitely essential to me though. Staying safe is so important. 😊
Thank you!!
And yes I agree, I feel much better walking alone with my little self-defense items! lol
I’m doing no spend January! So this video is timely.
I had a similar experience on my no buy year. I have to put my video up this year. Congrats on your journey.
I see it's going up in just a few minutes 👏🏻
@@PersonalFinancewithLeila it is 👍
I’m really tempted by doing a low buy year! Wishing you all the best for 2021!
Do it. it's worth it!!
Amazing, congratulations on such a great money journey! I completely support your approach to supporting ethical brands and purchasing second hand when able. I try to do the same as much as possible
Thank you so much! I'm excited to see what I can find and hopefully help the world a little bit
You got my "like" at the sustainable purchases part (I just signed up for a zero-waste grocery store today). Would love to hear what you plan on buying this year. I think I will make 2021 a "low-spend" year. Looking forward to checking out more of your vids!
Found this in 2023 and I am taking on the challenge!
Yay! I'm doing another Low spend for 2023 as well 😊
I don’t think I could do a no spend year like you did but I did change how I looked at money. Prior to 2020, I always set savings goals each month however this I adjusted it to be a spending goal - which meant that months where I had more income (i.e. work bonus, birthday, Christmas, and even when I won your contest) I didn’t use that as an excuse to spend more money, I kept the same budget so my savings increased.
That is so important though! You're avoiding lifestyle creep (in a a way) which so many people can't do or don't even realize they're doing.
I'm a Georgia tech student so I know how expensive it can be in Atlanta. I'm doing a low spend year and this definitely inspired me :)
Aw that's awesome!! I went to Georgia State 😊
Thank you for watching!!
Well done! I don't think I can go without buying even for a month but I'm trying to limit what I buy now.
Thank you!!
Thank you for including the numbers! Subscribed!
Yay thank you!!
I'm starting Low Spend tomorrow!
Yay!! Good luck and keep me updated 😊
This is realy interesting, thank you so much for sharing it! I'm doing a No Spend 2021. Now I'm off to watch your tips video!
We love seeing this progress!! Congrats Leila on a very successful year
Thank you so much!!
That’s great!! I definitely need to do this!
Thank you Amy! Try it out, it's an amazing experience!
Thanks for mentioning your experience with guilt v relatable
Really great video!! So concise and helpful!
Thank you Nicole!
This is so inspiring!!!
I've started my no spend year, im gonna do it month by month as you can never know whats around the corner. Its the 5th so only 5 days in but no spend so far lol xx
Yay!! You've got this!
Amazing! I decided to do a year-long retail detox too, and I'm already half way through!
I haven't bought clothes in so long it's crazy!
Good for you!!
Great video. I plan to no spend for a month and then maybe a year.
Thank you! Definitely try it out, it's worth it!
Looming forward to your next no spend year and decluttering videos!
Thank you!
I am trying to do 20 no spend a month to start then for 2022 have a no spend year
That's a good idea!! I'm sure that will still help you save a lot of money!
Amazing job Leila 👏
Thank you!
Beautiful ♥️👌 happy New year 2021✨✨✨✨
Very informative video and very inspiring.
Thank you!
Im going try this for 2021 exept for giving expense that i will allow.
Yay!! Good luck 😊
This is great. I’m doing a no buy year 2021 😊
Good luck!! Please keep me updated! 😊
Going to start my no spend year but before I do, where'd you get that cute shirt?
😅 it was a gift from my mom, the brand is called Life Is Good!
Wow what a planing how you manage these
I don't mean to sound dismissive of your accomplishments but you stated you were gifted many things. I appreciate the transparency but I feel this somewhat diminishes the purpose of the 'No Spend' efforts. Although you technically didn't make the purchases, it fulfills the want/need to have done so at no hit to your expenditures. This is a luxury the general populace is not afforded.
I agree but disagree if she's gifted that's not out of her income which I would see it as optional. She did not say she was punishing herself she said no spending as her own money or income. The Gifts can and could include many things trips, spending cards and whatever the givers decide to bless you with.
Thank you ❤️❤️
I understand what you mean, however, the bulk of the things I received were not things I would have necessarily chosen to purchase on my own. I also am not someone who has millions of followers, so I probably only received a few hundred to $1000 in free products.
I also have been creating content for years and the option to put yourself out there to do that IS available to most people.
Wow ❤
Nice content
20k on debt--yikes
There is nothing yikes about that but sure
p.s There is still a lot you could cut out. If you have a landline you don't need a mobile phone. Sometimes it's even good for your mental health to switch off. You are probably staying home anyway. Spotify not necessary- there is youtube for music. Car : you can bike or take public transport instead. Beauty products: aim to restrict it to one small make up bag. 17cmx24cm. I've been watching a lot of these american low spend - no spend videos for inspiration and seriously there is so much excess still after they declutter or reduce spending. One american woman I saw has 2 drawers of makeup! It should just fit in one bag because you are not going to wear it all at once nor finish it in one year. Plus it all should be fully portable for moving house and travel etc.
I think my expenses are pretty reasonable.
I wouldn't want to go out at all without a cellphone and my bill is
@@PersonalFinancewithLeila I think you can get a better deal for the mobile phone. Maybe half that. Also $100 is still a lot for a music service. That could be the difference between you eating and not eating for 2-3 weeks if things went really pear shaped. That could go in your emergency fund or towards any debts instead. Also people don't need more merch. They can save money that way. Helping the planet and ourselves means we need to stop consuming 1st hand goods and buy 2nd hand (which is cheaper anyway and often in good nick) essentially joining the circular market. There is probably enough clothing in the closets of the UK and America etc to reclothe each other's nations thrice over lol. Just saying....your topic is afterall money saving and the reduction of consumption. Consider this constructive feedback :)
I guess I am off to milk some cows and start a garden, no groceries 🙃
Why no groceries?
Mam you are so beautiful 😍😍😍 keep upload we are help you to achieve a big millstone stone
What books do u readdddd we wanna know. We. Wanna. KNOW lol 😂
Another part of no spend is not living in America. Healthcare should be free. It is a basic human right. Long Live the NHS :)
Healthcare here is absurdly expensive. My insurance is over $500 a month for just myself. And most people have to pay a monthly premium but still get bills for being seen.
Staying healthy is a must here if you want to save.
@@PersonalFinancewithLeila I agree being healthy and able to work is essential. I'm actually just coming out of shielding for my vulnerable family members (they got the vaccine) so I am starting to job hunt after a year without work and on benefits. No shame whatsoever. But I have a brother who lives in the US. I just don't understand why he would choose to live there when he can work for the same international company and get free healthcare here. He would save so much money as you say.
😊👍🏽
So beautiful 💯❤️😍
Leila, marry me?