I also heard this from all 4 of my Grandparents, and my Great-Grandmother.! So, we did! MY WWII parents added "is this (car) trip necessary? to save on gas (which was strictly rationed) and to bunch up errands into one trip and plan a circular route and take other people with me and do things together! I still quilt using all our old clothes, make candles and soap (using my Grandmother's recipe) and bread. soups and stews and sauces are good ways to use up leftovers, refinish small wood furniture and make our own music, artwork and scrapbooks etc. never at a loss for something interesting and useful to do!
Absolutely right! I had a full wardrobe and I decided to wear it out before buying anything new. How long did I wait? Four years! FOUR years! I think three times before buying anything now; a very good experience. How much do I save every year? 2 salaries + 26%tax= CAD 10.000.
I started to put away £500 a month. I was planning on leaving my job as I was being bullied. Although I was earning quite a lot it gave me great satisfaction to say "I'm out of here. Do it yourself". I had been leading up to this for maybe 10 years. My health was declining due to workload etc. I also had 3 miscarriages whilst working. I decided to give my body a break and walked out. Everyone thought I was mad. However a year after I managed to have my son who is now 2 and I wouldn't want it any other way. Doing a no buy and pay yourself first was the best thing I have ever done for myself.
I love your story Tara, it really is amazing to be able to put your health first and leave if you can. I’m so sorry to read of your miscarriages though. I agree, paying yourself first is a really valuable strategy, something I hope to discuss in future videos. Thank you so much for sharing your story! X
Way to go!! Literally, lol. Enjoy your kid, they grow fast...long days and short years, somehow. Pick your battles. I focused on safety and morals...the rest works out(she's 25 and awesome). Buy clothes at thrifts, a lot of stuff is close to new...Kids grow fast. Ask your friends for hand-me-downs if their kid is bigger. And if at some point they wear their sandals on opposite feet...as long as they don't trip...don't trip, if they do it's safety... I'm in charge there...responsible for raising a decent human who contributes to society in someway. Positive vibes from New Hampshire, remember to be kind to each other and yourself during this pandemic and social crisis
@@tammystockley-loughlin7680 Aww thanks. You're right about the long days, and what seems like short nights. As fast as I get to sleep I get woken up for more 'learning and non stop getting everything out of a cupboard or draw that isn't empty already. Safety and morals. I think you're absolutely right, thank you. I'm already making him wear a 'high vis vest' to go over his coat if we go out for a walk at night - although if I know it will be super busy I will use reins. I wonder how old he will be before I hear "mum" and he won't do some of these safety things or wear a coat, warm hat etc. Lovely to hear about your 25 year old. She sounds fab and an absolute credit to you. You can be real proud. Positive vibes from the UK England. Take care, stay safe and best wishes
Hello Tara I am sad to hear that your job (workload & stress) took a toll on your health & you had miscarriages. That should not be happened. Nobody should suffer because of jobs. Jobs is for us to practice our skill & knowledge, to give our time for service and in return, we are paid salary. If it starts to be detrimental to our body, soul, hearts, then NO. It's good that now you are doing well. Live on your term. 👍
I bought one thing in an entire year. It was an indoor plant which was all I needed to keep me happy for an entire year! It did wonders in so many ways!
I did a 6-month no buy during Spring and Summer last year! My husband and I were, like you said, “aggressively saving,” which we called “financial lockdown.” We were able to pay off both of our cars, and we’re now basically debt-free, which feels amazing. We’ve loosened our budget a bit again, but not buying anything extra for a while has changed us, too!
Financial lockdown - love it! 😂 That’s amazing Keira, fantastic result and I can imagine it feels absolutely brilliant! It will be interesting to see what happens as lockdowns start to lift across the world. Some analysts are predicting a huge bounce back in spending and that lots will spend all their savings in some sort of mad spree - but I’m not so convinced. I think an awful lot of people, like you and I, will have recognised that we need a lot less and will continue to save regardless. Anyway, great to hear from you - being debt free is awesome! Xx
the thing is cars are stil very expensive, we got rid of our car 20 years ago and we walk, cycle and travel a lot, and it keeps us fit, having a car is an expensive luxury and it gets worse when they breakdown and ulez
Sometimes I just put stuff in my cart on Amazon when I feel like shopping. Leave it there. Then later on in the week I move it to save for later. If I haven’t needed it in a month it just stays there and I don’t buy anything impulsive anymore. I have been doing this for about 2 years. Saved a lot:-) hope this helps someone
Thanks for sharing! Yes I do similar now I have moved onto my low buy. Leave it in the cart and walk away to think it over for a few days to see if I really do need/want it. Most of the time I never return to complete the purchase - it really works! Great tip x
I did a no buy year and it was great! Saved a ton of money and changed my relationship with shopping for the better. Good job on saving so much of your income! 💪💪💪
That’s brilliant to hear. It’s so eye opening isn’t it? I wish there were more media messages about the virtues of saving and not shopping all the time, think it could transform some people’s lives! Xx
@@KirstyKirby Just talk to most people over 60, that was a way of life for majority of North Americans..... basics only. Large families and hand me downs. We lived basics unlike what those younger think living basics is today. Outhouse, gas lanterns, water pump outdoors, maybe not all the time, but try a year of that,..... with 7 children in a house and only a wood stove. It is amazing how one can live with basics. When I say basics, I mean toilet paper and a toilet in the house, running water, indoor plumbing, a good heat source, an electric stove, now that is a luxury and many times I forget what life was like for that one year when we were young, and then many years with below poverty level... Basics are sometimes leaving out butter, and no margarine, and no peanut butter. Having bread, fruit and veggies is enough. Meat is a luxury, but that did not hurt us because less meat is good. Watering down shampoo and dish soap. Watering down ketchup bottles to make it last. Absolutely no frills with food, and cosmetics were unheard of, other than the huge bottle of lotion or shampoo. Cheap brands. A huge honking bag of puffed wheat. Ah, the good ol days. :)
@@claudiazam-rod3362 hi Claudia, I will be back very shortly. I ended up actually achieving my goal and bought a house which I will cover on the channel. With the move and pressure at work due to Covid I found it quite challenging fitting in filming. Hoping things will start easing up and I can get on a regular schedule x
I'm a recovering "retail therapy" person myself. I've been impulsive and wanting to learn or do new hobbies and things, then the desire goes away and I have a ton of stuff I have no real knowledge or even time to use right. So, my no-buy year starts tomorrow (Monday reset day) & it's gonna be ALL about capitalizing on the things I've already bought, making great stuff, learning new instruments... all that stuff. And feeling more competent and in control will likely curb those depressive episodes that tend to lead to retail therapy. I have a library full of books to read and tubs of yarn to create things... not gonna be bored, that's for sure.
I saved 60% of our salary too this past year! The weird part is “surprise” money came our way too-it was like the universe noticed what we were doing and decided to play along…savings=feeling safer AND more opportunities-
Hello Lisa. I just want to share the truth in peace with you The universe does not do anything spiritually. It is indifferent to us just like a blade of grass or a drop of rain would would be! God is the Creator of the universe and will draw close to you when you draw close to Him. The only way to God is through His Son, Jesus x
Not everyone is religious and believes in an invisible person. It’s not a him/her , it’s a collective consciousness and yes the universe sends you what you set your intentions on. Namaste
@@ladymiss9134 So true. I set out to save $2700 for emergency fund this year and was short $1000. I really tried hard keeping a budget this year (first time) and working harder on my side hustle but it wasn't enough, then I got an unexpected check and some Christmas money and it added up to the $1000 I was short, so I am ending the year with exactly the amount of money I intended to save for my emergency fund. The universe aligned things for me. Namaste
The buzz one gets from seeing your bank balance grow far outweighs that momentary buzz from buying something that’s not entirely necessary. Well done for sharing your experience.
Time flies! We had a certain amount of money from our paychecks go straight into a secure investment account. We just forgot about it until after a few years when we noticed its growth. It was amazing. We were teachers with modest incomes, but since our jobs were secure we did well and lived happily since we loved our work. Today, in the US, teaching jobs usually are not enjoyable and secure. Jobs are insecure and treatment of employees seems brutal. I love this no buy movement. For one thing, it’s human nature to treat ourselves to a cheap purchase because we can’t afford what we really want or need and we’re impatient. We’re swimming in a commercial world. So we end up with a lot of junk. 😢
As I was decluttering my closet, I realized how many clothing items I bought but never wore. Some didn’t fit. I bought them because emotionally I wanted it but it served no purpose. This coming year, I will do a “no buy” and see how it will affect me. This video is very helpful! Thank you for sharing!
Thank you for watching! I too have found I owned clothing I had never worn, since really scrutinising my purchasing I’ve found little need to buy more clothes. I’m finding huge value in wearing what I already own, and that way it feels less wasteful.
That sounds so liberating! Since this video I have actually taken on a mortgage of my own (I really need to make more videos to update everyone!) But the no buy has been amazing in changing my shopping habits, so much so that I’ve managed to make several overpayments already. It feels good that doing so puts me in a much more secure position if anything should happen work wise. Xx
After mom died in 2014, her second house, she lost the first, she willed to me & my sister, I paid off last year, a month ago I got my pension I started in the early 80's. I am 65 & enjoy growing my savings.
Thank you! I have decided to do a No Buy year starting today and I came across your video. I hope to pay off my student loans and I will need all the encouragement I can get because I love to shop! So, I will be watching posts like this video to help me stay the course. Thank you for your honesty!
Hi Bianca, thanks for watching! Good Luck with it, it gets easier and easier as time goes along. Having such a big goal as paying off your loans will really help keep you on track. Even now when I look at things I might want to buy I ask myself if this money would be better saved towards other things, its sort of like a muscle that gets stronger over time!
I’m a die hard and we paid off my husbands student loans 12 years early. It truly is so freeing, and set my mind at ease during the lockdown. We were imagining how different life would have been if we’d still had to have been making those payments for that crazy year. It’s even a blessing to get those payments behind us. Good luck my friend! It’s doable! And you can do it!!
It's very achievable.I loved shopping alot. But this year I had a goal.And I achieved it was no buying year and was the best decision I made in all my years. I tell you this each time I go out and I feel like buying anything which I actually do not need. But I just feel like buying it because it's beautiful 😍. I don't know how I managed to to do this. But I did it in the end. I am doing Same next year only spending on food, necessary items and necessary things my kids need.
I have done this as a single parent and bought myself nothing for two years - it was eye opening because when I did have a wage - stuff doesn’t didn’t interest me as much anymore although I did need a few things like socks , underware and rain coat and a hair cut as was 4 years by that stage 😂 but it really made me look at what I have and use what I had and what I REALLY needed . I now am trying to save for my first home as a single working mom 👊🏻👊🏻 No buy year for myself again and feels easier because if these lockdowns !
Hi Sarah I know exactly what you mean, doing a no buy has been incredibly eye opening as I too found that over time I was less interested in ‘stuff’. As you say there will always be things we need and I don’t think there’s anything wrong with having things you want - but I’ve found that when I sit back and wait, most of the things I find I’m not that bothered about having. Whilst I officially finished my no buy when filming this, I’ve not bought anything other than one thrifted dress! Good luck with your savings goals, I’ve massively found having this helped me really question if I wanted something. I am currently awaiting exchange on a property and being so close to achieving that goal makes all the ‘sacrifice’ feel completely worthwhile. Xx
Love!! Have you heard of Dave Ramsey? If not, I highly recommend checking out his book or podcast/TH-cam. Huge help for us in getting out of debt and building wealth! 💕✨
Yes I know of Dave Ramsey. I like some of this takes on things, don't completely agree with some. So happy to hear that it worked for you though, getting out of debt is awesome!
Buy hair cutting scissors...a great investment that’s saved me a small fortune over 3 years. And it’s great to freshen up my look when I want to...for no cost.
I have done more of a re-directing of my finances. Living in the heart of Phoenix, I would spend approximately $40 a day eating out my meals & coffee. A year ago, I decided to take that same money & make/eat homemade food. Obviously, I had an enormous amount of food I was purchasing. So I learned how to dehydrate, & can & freeze meals. I now have a fully stocked pantry, freezer, and long term supply for emergencies. Last year at this time, I had about 2 day’s of food in my house. Feels so good knowing it didn’t cost me any extra and now in an emergency, I will be fine for several months. Thanks for this video!!
I definitely need to do a no buy on clothes and shoes for a year or two. I admit I have been out of control with my shopping, but I will start my no buy for one year today!!!
Clothes was my Achilles heel with shopping for a long time, I don’t know if you’ve seen it, but I did a video about how I didn’t shop for clothes for two years. It’s been really helpful not to shop for clothes and wear what I have for an extended period of time, I’ve learnt what I wear most and this should hopefully help me to avoid shopping mistakes in the future.
I totally agree about the cutting out the social media. We may not notice it, but at times I do feel we compare ourselves to others. It was such a freeing experience being off social media the past year. I don’t think twice about it. ❤️
Absolutely, often you don’t even really know you are doing it and as they say comparison is the thief of joy. We are all so different and value different things anyway. X
The pandemic has really opened my eyes to the frivolous habits I'd developed over the last decades. My house is full of duplicate items purchased on a whim in the moment. No more of that. I've changed my perspective of what is priority. Thanks for your video, it offers clarity.
I found the pandemic eye opening in similar respects, prior to March 2020 I often would pop into shops to kill time between work appointments and make little purchases without really thinking, most of them relatively inexpensive. But like you, I found when I was trying to declutter before moving house I had so much stuff, and many duplicates!
I can so relate to everything you said. I found myself not wanting the things that I use to buy. I would ask myself if I need it. We actually made more money during the pandemic but those things didn’t matter to me anymore. I am definitely wanting to save money now.
I love this video! I started a no buy skin care and personal care products a little over a year ago… I thought it would be a few months, I’m still working my way through everything I previously purchased. 🤦♀️
Tell me about it! I previously hugely overspent and started with a no buy just on make up, and vowed to use it all up. I still have items still sealed three years later!!
@@KirstyKirby I hope you don’t have to go through what I went through, when I opened sealed jars of skin care and realized that it was smelling bad. All the money I had to throw in the trash, when I de cluttered all my cosmetics and skin care and makeup! And I still have enough stuff to last me at least 5 years!
@@1whitecottagelife770 sadly I have along the way found a few things I’ve had to throw out. Particularly things like body lotions, I was often gifted things like that and a few had split or smelt bad even though they had been sealed. I’m almost through everything like that though now and just buy what I need. If I want to try something new I wait until what I have is almost empty.
I did a low buy 2019-2021 and the results were amazing. I’m planning on stepping it up and doing a No Buy 2022. It won’t be hard because this year I barely bought anything. Christmas has been a struggle to spend for my kids because I just don’t find joy in spending anymore.
@@KirstyKirby yes the best thing to do is take small steps. I did a couple of years of low buy. Every year into it the buying got lesser and lesser. Now I’m on a No buy and things are going very well. My next step will be to declutter and reorganize my wardrobe. I noticed that in the past if I decluttered too soon I then have an urge to go out and shop and fill up the space again. So this time around I’m saving the decluttering for 2023. After I conquer the No buy 2022.
@@tippytoe1250 Good luck! I'm starting on the wardrobe declutter myself now, but am planning to do it over a relatively long period and to not buy anything until I really define my style.
At Thanksgiving I decided to do a year of not buying clothes, makeup, skincare.... The stuff that I impulse buy all the time. Well here we are only a month in it's really opened my eyes to how much I was not thinking about my purchases and how many impulse buys I was making. Some work to do around feelings for sure.
Impulse buys are so costly I found! I couldn’t believe it when I started seeing the difference in my savings. Now id much rather have something I REALLY want even if it’s more expensive and then leave all the cheap impulse buys in the store.
I’ve spent over 800$ in a day just on clothes and makeup a few years back….I didn’t even notice it until I got my credit card statement….That’s a CRAZY amount to spend in one day on things I didn’t even need 😩 We really can spend mindlessly, can we? 😒
I'm a very lonely person due to mental illness. I buy stuff (mainly fragrances) to make myself feel good. I've spent tons of money and......still feel lonely. I really need stop buying things I don't need. Thanks for this video, it has inspired me.
Same..I usually buy stuff when I need to feel happy. Lately I'm always stressed and sad and it feels like a non ending cycle. But not anymore!! From the next month I have a plan to save money and get my health back. We can do it 🥰
Hi Louise, I am so sorry I have only just seen this! I'm so sorry you feel lonely, it sounds silly, but without my dogs I think I would feel a lot more lonely too. I hope you are feeling a little better today, and you've inspired me to think about some content that perhaps covers some of the things I do now for entertainment etc now that I don't really shop often. I was surprised how much time I spent doing that once I stopped. xx
I’ll try this. I spent 2k this year on fast-food/take out for me and my husband. So this is something I want to reduce and stop buying things like cute little plants or cute things that are “cheap”.
Good luck! Yes I used to buy things that were ‘cheap’ and invariably they ended up being sent to the charity shop or binned eventually. I try to just buy only things I really want now, even if they are more expensive.
I sympathise on the take away costs. I looked at my bank statements and discovered I'd spent €427.65 JUST ON PIZZA in 3 months! 😳 Multiply that by 4, and it comes to €1710.60! 😱 For me, that's 3.5 months rent. 🙈
"When you don't concern yourself with what other people have and what other people are doing, then you're much more content with what you have and what you're doing; you don't need to compare yourself at all."
Sounds like you had a great experience. I did a no-buy 2019 and a low-buy 2020 & 2021. It has made a huge difference financially, especially with layoffs & lockdowns over the last 20 months!!
Sorry I missed this - well done! Yes I know so many friends who have been made redundant this last year or so, those with savings were in a much better position than those who were savers.
As long as you program yourself into looking for ways to save everyday, this will automatically click...here's an example ...you need a medal colander, for your pasta...dollar store has it for $ 1. 00...your neighbor, 4 streets away, has a yard sale, and even new stuff he has out for .25cents.. The metal colander is new at the neighbors, so you pay .25 for a new metal collander versus $ 1.00 at the!! dollar store
I scout charity shops for clothes, accessories and books now. Haven't bought new clothes, shoes, bags or accessories in two years. I feel good about it! I don't feel like I'm denying myself at all and I get a thrill if someone notices a new top and I proudly tell them it was £3!
There’s some amazing stuff for sale in charity shops or online, often brand new! I recently found a brand new Michael Kors dress for just £23 delivered and it is a print the Duchess of Cambridge was spotted in so a true rare find!
I spent more money at charity shops than I ever did at stores. For me, it was just as big of a problem! If you are disciplined it would be ok but I overbought because it was cheap. End result was the same for me, financial ruin.
Absolutely loveeeee this video! And I’m SO glad it appeared in my feed right before the new year and I will be challenging myself with this for 2022!! I agree with every single point you said in the video👏🏾 One saying that I came across and I remind myself is “comparison is the theft of joy”☺️
I, like you am happy to have come across this as well. Today is January 2 so I'm still excited and ready to put the "no spend year" into effect especially since I haven't spent anything yet 😂 I'm up for the challenge.
It's nice to know that there are others out there who are joining along. In my world, everyone thinks I'm nuts so it's nice to see that I'm not alone after all. I've been a vegan for 2 years so this just adds to my "strangeness". 2 days down - 363 to go.
Congratulations! The things you highlighted are so true! Over the years, I did make big mistakes but finally stick with a mantra of saving more than spending. I think it’s been a year or so that I keep a budget and still prefer to only spend minimally as a need arises. I continue to use what I have - it’s amazing how long things last when you just use them in a normal everyday life way. I started putting a sticker on for example my face cleanser when I opened it (started using) and it helped me see that I truly only need to buy a face cleanser twice a year so then I can buy two for the year if I see a good sale.
You are so right. When I initially did my makeup no buy I found it shocking how long things take to use up, I’m still using up things I bought 3 years ago! 🤦♀️ it’s so easy to fall into bad habits of ‘just’ buying this or that and can be so hard to get out of. I think we are often shopping to induce a certain feeling, yet there are just as great feelings that come from saving, like security, options, etc etc xx
Well done Kirsty. I have done something similar in the past, it is a bit like fasting, eventually one has to eat, but the fasting makes you appreciate food so much more! As long as one does a "no buy" cheerfully and has enough already to re-use and recycle, it is a great practice.
Yesss! I find the more you do it the easier it gets too. For example, I really fancied some new Chanel Nail Polish, which is obviously pricey, but after not buying anything for a year I was tempted when I saw an offer on. I decided to just sit on it for a day or two as i really don't NEED anymore. I have several colours, and it's not like I'm running out, but I could afford it no problem if I decided to buy. I forgot about it and the offer passed and I don't feel like I've missed out at all. Not buying things almost becomes the predominant habit and now I can't imagine being so frivolous again! xx
@@KirstyKirby Oh yes! Been there with those tempting make up offers! But as you say, it passes and you don't feel that you have missed out! Sitting on it for a few days is really good advice.
@@Yasamin-zn4pu I find offers are terrible for getting you to buy things you wouldn’t buy in any other circumstances too. I often say to myself - if you wouldn’t buy it at full price you don’t actually want/need it.
I did a no buy for a year and a half and was able to save money for a downpayment for a whose. Now, knowing how much houses are here in Canada a small simple house in some parts of Ontario now goes for 400k and over. And that's a small house. I even hand washed my own laundry just so that I could save on using the machine. My clothes even came out cleaner than the machine. I felt so fulfilled knowing that I don't need much to live and be happy.
This is why so many Ontarians are moving west for the affordable housing. Met a couple from Orillia this summer who drove all the way to BC looking at real estate along the way and they settled in a small town in Saskatchewan and love it here! He can work from home so is still employed with his company based in Ontario.
Perfect timing. My husband and I are trimming down purchasing items that we don’t need or have use for. Going lean as were telling each other. Thanks for sharing your experience.
Good luck! I’ve found after doing this is massively changed my relationship with ‘things’ - I only want to have things I truly want or need, not just due to money but clutter too. Thanks for watching!
Thank you, Kirsty.... and to all of you for your comments. I’m starting a “No-Buy Year” tomorrow (January 1, 2022).... And I am SO excited and relieved to have this as an avenue for Imagine ... a year of aggressive and purposeful saving for security and peace, as opposed to a continuation of ‘aggressively and purposeless buying for reckless reasoning and impulse satisfaction. You video Kirsty has inspired me... and all of you offering comments and perspective have encouraged me. Damn. This idea is so pure and peaceful. Thanks to everyone here.
Sorry only just seen this! Good Luck with it - it was a difficult yet really valuable experience for me. After a while saving gives you similar good feelings to shopping!
watching this in 2022. Thank you so much for sharing this is amazing and I am planning on doing a year of no buying. I definitely bought way too much last year and have always probably spent most of my money on things that are not necessary. In the recent months I’ve just realized that I am really not happy with my financial life and I want to make a change for the better so that I can start investing my money in things that matter. Again thank you so much for sharing and you have helped me on my journey, wish me luck.
This is really lovely as are you! This year I took on a seasonal job that got me working in the woods - no phone, no signal, no shops. My relationship with shopping has definitely changed. I mean, I save every month anyway and I'm relatively careful with buying now but simultaneously it's mad to think my savings would probably last a year if for some reason I became completely unemployed!
Ah that’s really kind of you to say. You never know when those savings might come in handy, I found myself unemployed and then took a job that was a massive pay cut just to keep the wolf from the door whilst I looked for something appropriate - it’s been awful but made so much easier by having savings. I don’t think I’d have gotten through it without. Thankfully I’m back in a job that pays reasonably well but things could have been so much worse without large savings. X
I have always disliked shopping and only go to town when I absolutely have to and have a shopping list I go by. Never grocery shop if you are hungry, eat something first. Get out of debt, always pay off credit card when due and set up an emergency fund. I was able to retire at 60 with almost a million saved up and very low living expenses as I live on a ranch and raise most of my own food. Love it!
I’m working towards growing more of my own food. I had to use containers previously due to being in a rented property but hoping to have a better set up in my own place. I love the idea of being more self sufficient. Thanks for watching!
I just saw this video...decided to go into my purchases from 3 online accounts...just in 2021 as of today....OMG I am ashamed to say this....just on impulse purchases from $1.50 to $50.... I have spent a total of $1,087.67.... OMFG!!! WTF IS WRONG WITH ME!!!😭😭😭😭😭😭😭😭 I know 2021 has been my most challenging year in 9 yrs but that does not justify this much irresponsibility....NO MORE! Thank you for sharing this video 🐾
The impulse purchases are a killer!! I was shocked when I realised how much they were costing me. Most of it is tat that eventually ends up in the bin too!
I really enjoyed your no buy video. I’m not going to lie. The stress from the pander has catapulted me into an Amazon addiction. I absolutely need to get ahold of it and cut way back. Thanks for showing us it’s possible and all the benefits it offers. I do have one no buy I am consistent and proud of: I don’t buy any animal products for myself. Being vegan has also allowed me to self cure my high cholesterol, triglycerides, overweight and elevated blood pressure. I don’t know how much money I have saved by only buying fruit, vegetables, nut, grains and seeds as they’re expensive especially the organic ones, but I don’t have the medical bills and problems I would have if I still ate animal products. I also cut out junk food which has been a huge help physically and financially.
A lot of people I know spent more throughout the pandemic as a way of trying to deal with the stress and feelings of being out of control. You certainly are not alone. Every day is a new day to make a different choice if that’s what you want to do 😊
I’m glad I found your video, I’m currently not working due to mental health reasons so a no buy year would be very helpful. I do have savings and if they can last a bit longer that would certainly take some pressure off. Medical bills aren’t going anywhere for sometime. So me thinks this starts now. Wish me luck 🤞🏻🤞🏻🤞🏻🤞🏻
This is so helpful! I am moving into my van this year and I am going to try doing a no buy year so that I can save to travel. I love hearing that you saved 60%!! That is an INSANE number! Congratulations! I am so excited to do this.
Wow van life! I bet that will be such an interesting life experience. I never would have thought I could have saved so much before I did this, it was actually mind boggling!
my dad went into hospital some years ago and i had to take changes of clothes for him. i discovered his underwear were full of holes 🙄. i had to chuck them out as they were grubby beyond repair 🤣. i knew dad was always stressing out my extravagance, or being ocd about every drop of water used in the kitchen! recently, my dad needed help with his finances and i was totally shocked at his savings! despite his meagre income, he had managed to save a decent pot through years of penny pinching! i guess dad’s attitude was because he couldn’t control his income, then he would control his expenses.
This video was so timely. I want to teach my teenagers better about impulse buying and saving money for a rainy day- I can’t tell you how perfectly this little video resonated with me! ThankYou so much for putting into such few words, such big meaningful concepts🙏🏻
I did that for 2 years once (a long time ago) and it was really eye opening how much you can save. It’s hard to do although the rewards was worth it back then.
You’re absolutely right, it’s not easy (I think in a weird way lockdown helped as I wasn’t putting temptation in my way much) but as you say it’s mind boggling how much you can save when you put your mind to it.
I haven’t done a no buy, but over the last year I’ve been very careful what I buy. I’ve stopped buying clothes as I don’t need anymore. I’ve given away a lot of items I don’t wear or don’t need. I feel much happier in myself as before I’d just be looking for items that caught my eye. Thank you and well done. 😊
I want to say “Cheers to you! “ Well done on being proactive and acting personally responsible and minding your finances. Thank you for sharing and I’m going to move forward similarly . I often shop because I’m bored and while I love the things I buy, it seems unhealthy.
Thank you for watching! Yes I know I used to shop when bored in the past and it’s not a good thing, and certainly not the best use of my funds, especially as I’m far from rich!
I'm very very very bad at saving and within 2 days of my pay day I'm left with nothing. I have to clear my debt asap. I seriously need help. I will try to do this now. Thanks for sharing!!!
Hi Manisha, I promise it’s worth it to clear debt. Freeing yourself from that really is a powerful feeling. One tip from experience is, it’s hard at first, but almost like working out, gets easier as you go along. Also setting little goals each month to pay off x amount can give you the same satisfaction as shopping can xx
I appreciate hearing how much better you feel not getting pulled into comparisons with others. I work at Homegoods and seeing all the mass consumption, same customers every day is making me insane. I felt something was wrong with me that I don’t get excited for new stuff all the time like my customers. I dont need to feed my feelings anymore, its too expensive!
Seeing that must put a new slant on things. I don’t understand some of my friends who redecorate constantly and spend a fortune on new decor items each time - I still have most of the furniture I bought over ten years ago and I still like it and is in good condition!
Oh my, I love what you said "Things cannot be fixed with things." That just struck me. Lol as I am guilty of emotional shopping from time to time. Thank you for sharing!
Thank you for watching! You aren't alone, so many people have shared they have partaken in emotional shopping from time to time. But sadly it rarely works more than momentarily. x
Over the past 18 months, I've only bought exactly what I needed, and have managed to save quite a bit. When you cut out things like clothes, hair, mani/pedi, gasoline, etc. it's amazing how much you can save!
I’m absolutely considering this for 2022 particularly after watching your video. And I’ve not purchased anything YET this year so I’m already four days successful!
Hi Danielle, thank you for watching. I’ve found I can dip in and out of social media now without it affecting me too much but I’m super careful about who I follow. Overall though, I think not being on it regularly is really helpful to avoid comparison to other people’s highlight reels xx
OMGosh I need to do this but I’ll admit I’m scared to. I love antiquing, thrift store and flea markets but they too can be expensive when adding up purchases. I know me and the part about buying things to “replace” feelings at the moment with small things can REALLY add up! I bought an historic late 1700’s home in upstate NY but I really need to do a major restoration and this seems like a great solution. Great video!!!
Doing the work yourself which ever you can will safe you a lot of money. And YT is the place to learn. Best of all, you can sell any tools you buy later on for the next person to use.
@@angeladesilva5256 ha ha each to their own Angela 😊 I have very good reasons for doing one though, it’s taken me a lot nearer to a dream home which is worth every sacrifice 🤞🏡
@@kristinemancillas8242 So many started shopping more in the pandemic, a few of my friends have talked about this recently. I found it eye opening and have continued spending very differently!
Good luck with it Sunshine! There’s loads of ways to socialise without spending - I like to just visit friends at home or spend time in nature. Good luck!
my nana used to say when I was young, money should no give you happiness should give you freedom, you save up for rainy days or simply for say " do it by yourself" when you have a bad job, I did applied her advice asking me always "I need it or I want it", so thinking in how you use your money and save is very good, very good video, love it.
Yes, I’m on a Low Buy, quit my job last August, I am starting my business, decluttering my home, living below my means, changing my life. I love this topic. It’s a great way to completely reset your mindset on life, needs and wants, being intentional with life purpose.
I appreciate your video and I am going to try this. One thing I spend a lot of money on is eating out and ordering delivery meals. I am going to try to limit that to once a month this coming year. Also, I tend to thrift store shop, which seems to be smart, but I tend to buy things I really don't need. So, this coming year I can only buy things that I absolutely need when I thrift. No more buying vintage jewelry just because it is pretty and is only $4. No more buying another winter scarf because it is cashmere and only $2.99 (I have a whole closet full of scarves and tend to wear the same two or three and none of the others. I think I will be surprised when I count up the savings at the end of the year. Thanks for the idea. This inspired me.
I did something very similar when saving for a family visit from N Z to the U K. My strategy was to never buy on the day I saw an item but to tell myself I would buy it tomorrow. Needless to say the item was not purchased. The savings in a year that was frugal were amazing. We had our trip and I developed a mindset that said to question myself before spending. Great outcome
Thank you so much for sharing your story Sharron! Yes I relate to that so much, in fact a similar tip of ‘sleep on it’ will be in an upcoming video of how I managed to stick with the no buy. I agree with you, once you start being purposely frugal, especially on things that aren’t really important to you, the savings are amazing. I found I almost enjoyed the challenge of seeing if I could save more and more each month.
I thoroughly enjoyed your video. I did a No Buy from Amazon December 2021 and it was great but not long enough. I'm going to see if I can save 60 percent of my take-home as well. Thank you the inspiration. I don't shop to distract myself but I do the "This doesn't cost much" thing and that can kill a budget. "Watch out for your pennies and your dollars will take care of themselves."
Yes absolutely true. I was shocked at how much I must have been spending on little ‘bargain’ items. I’d already stopped purchasing clothing and cosmetics etc etc so to find these additional savings was startling.
So inspiring !! I will start a no buy year right now. I am so tired of feeling stressed by the money and to spend so much. Your video was the little push I needed. Could you please do a tips video ?
Just stumbled across your channel, so refreshing to hear this stuff from a Yorkshire lass! I'm about to start a no-buy year in January, so I'll be looking back at your videos for hints, tips and general encouragement. Thanks!
Good video and advice. Four years ago I moved and really cleaned out a lot of stuff. For a while I was making a conscious effort to not buy things but the clutter is starting to come in again. Need to work on this because you are right it will not make you happy and it’s expensive.
Moving house can really focus the mind for sure. I’ve recently moved and seeing so much stuff (even though I’d been decluttering slowly for about two years) was eye opening. I hate the idea of regularly buying things to only declutter at a later date. I think we all have to work on it consistently so you are not alone.
Yes! Moving is so overwhelming- and then you add the clutter that you have to pack up and take with you, or donate, or throw into the landfill. Oh man. My sweet mom passed away suddenly two years ago and my sibs and I have just recently gone through her stuff and I’m having such an interesting insight. Stuff is just stuff. My mom didn’t use all kinds of things, and now it’s up to me use them, donate them or throw them out. I sometimes just look around me and see all of this stuff that she didn’t even know she had- that is now my stuff. I don’t know what to do with it all.
If I had heeded this 25 years ago I would now be semi retired instead of gritting my teeth for another couple of years. Oh, the money I've wasted, all for the sorts of reasons you've outlined! Dunno if I will manage it but I am gonna go for no spend in 2023. I've subscribed as I really like your delivery!
Thanks so much for watching! Oh and I’m not by any means perfect, I look back and often wish I’d done things differently when younger when it comes to finances. The beauty of hindsight I guess!
Very good video! I have been doing this for decades and it is VERY liberating. I have everything I want and I rarely buy anything other than food or tools for job. Every toy I've ever wanted I have and am now looking to start down sizing my "stuff" to a bare minimum. Thanks for posting, it was nice to see so much wisdom from one so young.
Thank you for your video and helping me realize how my spending needs to change big time. I am going to do the no buy and stay away from constant social media stuff. Hoping for a better 2022 all around!
This is so motivating! Starting my first no-buy year NOW! I think I am more excited to see how much time I free up as I've discovered I waste a lot of time browsing.
Hi Kirsty, a 50 % savings rate is great! I did no-buy years before and it allowed me to finance travel later on and pay off debt. Now I am starting out on my journey to save for a down payment too. I can manage to save the amount I need in three years If I do the whole time no-bye years. I am really motivated right now, hopefully, I can keep it up. I would love to hear from you, how you kept yourself motivated during that time, especially when everyone else around you is spending, thank you! :)
I ended up saving 60% so even smashed my own goal! :) I intend on making more videos shortly - I've been away as I actually finally reached my goal of buying a home!
I am going to give it ago, even though my husband and I are both retired, but still spend too much on items we don't need or want. I must admit my husband is better than me about spending.
I have never done a ‘no buy’ but I have scrutinized all purchases for years. I listened to Suzie airman and learned the quote ‘ it’s a want or need’. Most of my shopping is on necessary needs!!
Yes it’s an easy question to ask oneself - is this a want or a need? That said I’m not about saving at the expense of all things, just about using money in the best way, so that it isn’t wasted on things that don’t offer value.
Very good stuff! I did a Three-S (screens, spending, and sugar) fast in January--had no idea how much money I absolutely throw away, how much sugar I was eating, and how often I was looking at a screen!!! Now, for February, I am only spending for other people, and that after a few day's consideration-patience is a huge help here! So, for instance, in noting my 27-year-old daughter spending her money on ballet shoes while her boots are looking a little ratty, I chewed on that for a few days and then found the perfect pair for her and ordered them. I used money I was considering putting toward skincare. So glad I've opted to make do with homemade skincare (have been doing so for several months) and put that money into shoes for my child. MUCH MORE FUN!
Man that second lesson hit home. I went into big debt a few years ago because of it. Then realized that nothing I bought changed the situation 🤦🏾♀️ I had to get over that. I’m working on controlling impulses and so far so good!
I think that’s what started me on the journey of both buying less and saving. A few years ago I realised I was unhappy despite having many of the things that in theory should have made me happy. What was the point in all this stuff, if it brought no value, no joy past the point of purchase? Well done on making changes!
I think that’s what started me on the journey of both buying less and saving. A few years ago I realised I was unhappy despite having many of the things that in theory should have made me happy. What was the point in all this stuff, if it brought no value, no joy past the point of purchase? Well done on making changes!
Thats amazing well done. I would love to do this. Sadly with the lockdowns I've spent more buying the kids stuff to play with in the garden and things because we couldn't get out as much. I'm definitely going to try be more mindful of what I'm spending. Thank you 😊
It’s definitely not been an easy year and I probably would have found it much more difficult to do this if I had children. I totally understand needing to try and keep them entertained especially when you can’t get out and about. I won’t be buying nothing this next twelve months I don’t think, but I’m definitely going to keep up with thinking about what I buy and asking myself if I really need it as it’s crazy the amount of money that can be saved with just little changes xx
No shame in enriching your kids lives with outdoor education. No buy helps save money and addresses feelings but it has no intrinsic moral value. Your kids will appreciate your care for them. ❤
Did something similar not by a plan but due to the fact that I started this online budgeting app called YNAB one year ago. It's funny how when I was watching my money closely and knowing I wanted to pay off bills, I lost the urge to spend money as a hobby - gardening center, clothes, Home Goods and even my grocery bill went waaaaay down. I am just completing one year and it was lovely to hear what you did and why you did it. Some of why you did it was similar - but I had debt and a rental where I was renting out rooms in a house across country, i was working a w2 contract job which was only temporary, and I was self-employed in an industry that was hit hard by rising interest rates. I had fear myself and my life was a bit too complicated with finances. Thanks for posting. Definitely true that it was life changing.
Been tracking how much I spend daily and was only buying essentials. Last month I was shocked by how much I was actually left with to pay off one of my credit cards: a whopping 2k dollars for someone who barely makes 4k dollars a month. As much as I never liked the idea. It’s really paying off. From owing 14k in debt to now 5k within 6months. Lowered my bills. Cancelled all subscriptions except Apple Music and Netflix. Keeps me preoccupied. I’d say consistency is key. As time goes by you become unstoppable.
@@Lifewith_charlotte_ that’s amazing! I agree, I don’t live this way permanently but it was shocking to me how much I was spending somewhat absentmindedly-and I was fairly frugal in comparison to some of my peers. Paying down debt is just brilliant 🤩
Great message Kirsty, I’m amazed that you did it. Means I can do it too. 💪This is my first year living in a new place and I just realized I spent lots of my income for buying things that I don’t really need. I glad that I saw your video before 2022. This will be my 2022 goal.
I just found your video! I have set myself a goal of no spending every other month this year and in the alternate “spend” months it will be based on my budgeted allowance! My allowance will be cash only so if I find something that I really want that is bigger than what I have in my cash envelope, I will have to save for it!!
Thankyou for this inspiration for 2022 and beyond. I have some planning to do but this makes me feel motivated to Want! To save. I want to start by consolidating what I have (as in personal items at home across categories like furniture, makeup and clothing to then sell off or donate what I don’t need ( or fit into etc ). I think having a goal is important to keep you focussed. After coming through the last few years of ill health, I want to focus on my wellbeing in many areas to increase my enjoyment of life. Apart from food and personal care items, I don’t need for any extras. I want to start my own small business with minimal overheads that I can run from home, and extra savings will come in handy. Have a great year ahead, hope you keep healthy and safe. Philippa 💐
Need to do that for sure … you hit nail on the head! Shopping does not solve the problem… I’m going on 8 mos sober . So I know this to well .. thank you for your video 🥰👍🏼
Good for you! Great job! I am thinking of going low buy in 2022 because my craft room is running out of storage space and I cannot possibly make all the projects I already have on tap! Another thing I would highly recommend, once the pandemic issues clear and you feel more secure in your job is investing in your retirement. My husband (of 40 years now) started me investing in IRA’s in my late 20’s and WOW! What a difference compound interest makes on your future.
I agree, compound interest is amazing. It’s a shame that in the U.K. interest rates have been so low on savings for over a decade now. It’s promoted lending (because it’s ‘cheap money’) and saving or investing has fallen out of favour.
@@KirstyKirby Yes, the powers that be appear to want to keep people in debt, don’t they? However, the mutual funds our IRA’s are invested in over time have beat bank interest rates consistently and significantly. The down side is you can’t touch the money until retirement. Something to consider. You are on the right track...saving is better than borrowing every day.
I'm not exactly planning on making 2022 a no buy year as it is the year of my wedding -- but I plan on doing the closest thing to one that I can under the circumstances! Thanks for this video.
Totally understandable. I don’t think I could be as extreme as this constantly! Since then I’ve managed to stay on a ‘low buy’ where I try to only buy things I truly want or need which has worked well. Thanks for watching and congratulations!! X
Take the ridiculous sum of money you would spend on your wedding and save it for something lasting like a house down payment. The wedding rip off industry is a well oiled machine and not in your best interest. I made my own wedding cake with real top quality ingredients for $40! Bakery wanted $800 for a very simple cake. I carried a lovely bouquet of flowers bought from grocery store Trader Joe's for $14. Florist wanted $160 for one bouquet. My dress was $200 because I'm not that picky. He wore a suit he already owned. Etc. It was a lovely, awesome event that didn't break the bank.
When you stop buying all the rubbish you dont need you appreciate what you have and actually use all of your clothes. That in itself makes you feel good.
So true! One thing the no buy has taught me is I would rather have one or two things I really love (even if more expensive) than lots of cheaper things that are never really used - or worse sent to the charity shop with tags on!
COVID was an excellent reason to never eat out or purchase anything new ever again! I now work from home, so no need for an expensive wardrobe. I never go out anymore, so the savings has been astronomical. Will keep doing this the rest of my life.
It’s certainly been a silver lining in this horrible period of history. I worked from home too and it really does alter your perception on what is needed. Great to hear you have managed to save so much
Hi! I did not buy long time ago for 6 months . At the beginning was very hard but at the end of the 6 months I saved a lot we did home improvement and felt so good. Thanks for sharing .
Really interesting video and thank you for sharing your story. Fortunately, I was brought up to work hard and save and practiced this advice by paper rounds, Saturday jobs etc from an early age. I then worked hard in subsequent jobs, working overtime when available and put a lot of money into overpaying the mortgage which along with support from parents put me in a position to fund commercial pilot training, something that was a dream as a child. What is interesting is not just how much money you can save by following the steps you point out but also how much better it feels than wasting money on those little purchases that really mount up and hold you back on the long term. Thanks again for sharing.
It does. I wouldn’t recommend as a permanent way of life (unless someone wanted to of course) but my shopping habits have changed completely since the experience, even a year on.
Hi Kirsty Happy belated Christmas from Singapore! I like to hear No Buying for A Year from you. It's like giving ourselves a break from relentless material want, which shoved to our faces by fast fashion, malls, media, all business in general. I switched job from corporate to Medical Frontliners, which requires me to wear nurse uniform & full set of PPE. That also makes me go to bare mode. No makeup, no jewelery, no heels. I also eat at hospital canteen, which is heavily subsided. I just spend money on my family meals & groceries. Guess how much I saved for a year? 70% of my net salary. Good job Kristy! Keep it up 🙏
I’ve have been cleaning out my house, it’s surprising to see how much junk I have purchased through out the years of things I didn’t need. I will am currently pregnant and I can’t say I won’t buy anything for a year which will be difficult but I will try to buy the minimal and second hand for the big expensive things like crib and stroller.
Just think about how previous generations of women did babies. Washcloth "diaper wipes". Cloth diapers. Breast feed. Puree home cooked food. Lay mattress on floor when baby is too big for laundry basket basinet. Simple baby clothes bought used. Baby bath in kitchen sink. Americans now overspend on babies to such a shockingly obscene level. Don't get caught up in baby rat race.
I definitely need to do a NO BUY!!!! I have been a hoarder for years. Spend mostly on makekup and clothes but now that I have seen your video I can honestly say that I have a shopping problem!!! I hope to overcome this.
Good luck if you decide to give it a go. I found it really helped me address some of my bad shopping habits and thankfully I’ve never returned to them. X
I have never done a no buy year. After hearing your story, I am convinced that it is needed. Thank you for sharing your story. I look forward to the coming new year knowing that all things happen for a reason. Way to go and Congrats!👌👌
Thank you for watching! I only intended to do a few months at first, but over time I stuck with it. Now I’ve found so many side benefits and it’s really changed my relationship with shopping and ‘things’. Good luck if you decide to give it a go!
Great and interesting video - Thanks Kirsty! I am going to do this this year. I have noticed I spend when anxious/unhappy/bored etc, and end up with stuff I do not need at all.
Ooooo....I didn't know this was a thing and just started a "I got food at home!!" plan. I'm in for a low buy for 2022! PS I do have home and car items on the list but should be less painful with the savings!
@@KirstyKirby Thank you! My grocery bill has no business being as high or as frequent as it is! I need to eat up my multiples. I opened the cabinet and grabbed some canned tuna and brought out the oatmeal. Happy holidays!
I loved your video and will start to set a goal by making 2022 is a no buy year for me .. I have spent a fortune shopping in 2021/ 2021 . I love all my items but it is a deniable fact that saving is a must for all the valid reasons you mentioned
I never had a strong shopping impulse and especially shopping for clothes is something I do not enjoy. Also I do not like much decoration or nicknack. I like to cook myself and do not often eat out. So a no-buy is not really necessary. But I'm going to track my expenses this year anyhow to see how much money I really need. Maybe have a look if some insurances could be cheaper. I love having my fund giving me the possibility to walk away from a job if I would want to and the freedom to change things in my life which need money if needed. It gives so much rest and security. So well done! Happy for your achievment 😊
I wasn’t really someone who spent lavishly prior or was in debt, I just wanted to save the maximum possible - no buy was a vehicle not particularly a necessity (although the U.K. housing market is insane so extreme frugality is a necessity for many to be able to buy a home). I was however shocked how much I managed to save when I put strict limits on myself. Really opened my eyes to money drains. I utilised my savings to walk away from a job that wasn’t serving me last year and I’m incredibly grateful that the things I walked away from gave me the wealth to be able to do so. Good luck with your tracking 😊
You speak wise words!!! Husband and I and daughter have Monzo bank accounts where you have different “pots”‘to put money in! It’s fabulous as you can see how all the small amounts add up. I’m going to do a no-spend 6 months to trial this - really excited and will feed back! Huge thanks! 🙏 💕
I remember my mother sharing this with me years ago. “Use it up, wear it out, make it do, or do without!”
Ha ha love it!
I also heard this from all 4 of my Grandparents, and my Great-Grandmother.! So, we did! MY WWII parents added "is this (car) trip necessary? to save on gas (which was strictly rationed) and to bunch up errands into one trip and plan a circular route and take other people with me and do things together!
I still quilt using all our old clothes, make candles and soap (using my Grandmother's recipe) and bread. soups and stews and sauces are good ways to use up leftovers, refinish small wood furniture and make our own music, artwork and scrapbooks etc. never at a loss for something interesting and useful to do!
That’s awesome advice!
Seems to be my mind set not always good life should be lived you only have a short time for each age.
Absolutely right! I had a full wardrobe and I decided to wear it out before buying anything new. How long did I wait? Four years! FOUR years! I think three times before buying anything now; a very good experience. How much do I save every year? 2 salaries + 26%tax= CAD 10.000.
I started to put away £500 a month. I was planning on leaving my job as I was being bullied. Although I was earning quite a lot it gave me great satisfaction to say "I'm out of here. Do it yourself". I had been leading up to this for maybe 10 years. My health was declining due to workload etc. I also had 3 miscarriages whilst working. I decided to give my body a break and walked out. Everyone thought I was mad. However a year after I managed to have my son who is now 2 and I wouldn't want it any other way. Doing a no buy and pay yourself first was the best thing I have ever done for myself.
I love your story Tara, it really is amazing to be able to put your health first and leave if you can. I’m so sorry to read of your miscarriages though.
I agree, paying yourself first is a really valuable strategy, something I hope to discuss in future videos. Thank you so much for sharing your story! X
Way to go!! Literally, lol. Enjoy your kid, they grow fast...long days and short years, somehow. Pick your battles. I focused on safety and morals...the rest works out(she's 25 and awesome). Buy clothes at thrifts, a lot of stuff is close to new...Kids grow fast. Ask your friends for hand-me-downs if their kid is bigger. And if at some point they wear their sandals on opposite feet...as long as they don't trip...don't trip, if they do it's safety... I'm in charge there...responsible for raising a decent human who contributes to society in someway. Positive vibes from New Hampshire, remember to be kind to each other and yourself during this pandemic and social crisis
@@tammystockley-loughlin7680 Aww thanks. You're right about the long days, and what seems like short nights. As fast as I get to sleep I get woken up for more 'learning and non stop getting everything out of a cupboard or draw that isn't empty already. Safety and morals. I think you're absolutely right, thank you. I'm already making him wear a 'high vis vest' to go over his coat if we go out for a walk at night - although if I know it will be super busy I will use reins. I wonder how old he will be before I hear "mum" and he won't do some of these safety things or wear a coat, warm hat etc. Lovely to hear about your 25 year old. She sounds fab and an absolute credit to you. You can be real proud. Positive vibes from the UK England. Take care, stay safe and best wishes
Hello Tara
I am sad to hear that your job (workload & stress) took a toll on your health & you had miscarriages. That should not be happened. Nobody should suffer because of jobs. Jobs is for us to practice our skill & knowledge, to give our time for service and in return, we are paid salary.
If it starts to be detrimental to our body, soul, hearts, then NO. It's good that now you are doing well. Live on your term. 👍
Excellent choice my dear! Congrats.
I bought one thing in an entire year. It was an indoor plant which was all I needed to keep me happy for an entire year! It did wonders in so many ways!
Ahh how lovely!
Pretty solid. I bet you had way less garbage that year as well, and probably way more money to invest with :D
No food?
@@Appleswut you clearly didn’t watch the video 🤷♀️
@@KirstyKirby I did actually I just responded first to someone else's comment. Does that make you feel better?
I did a 6-month no buy during Spring and Summer last year! My husband and I were, like you said, “aggressively saving,” which we called “financial lockdown.” We were able to pay off both of our cars, and we’re now basically debt-free, which feels amazing. We’ve loosened our budget a bit again, but not buying anything extra for a while has changed us, too!
Financial lockdown - love it! 😂 That’s amazing Keira, fantastic result and I can imagine it feels absolutely brilliant!
It will be interesting to see what happens as lockdowns start to lift across the world. Some analysts are predicting a huge bounce back in spending and that lots will spend all their savings in some sort of mad spree - but I’m not so convinced. I think an awful lot of people, like you and I, will have recognised that we need a lot less and will continue to save regardless.
Anyway, great to hear from you - being debt free is awesome! Xx
Keep it going. invest invest invest!!
Your right I'm sure you can save at least $100.
Debt free is the key to it all. That is the best freedom in America you could have. No stress and happiness.
the thing is cars are stil very expensive, we got rid of our car 20 years ago and we walk, cycle and travel a lot, and it keeps us fit, having a car is an expensive luxury and it gets worse when they breakdown and ulez
Sometimes I just put stuff in my cart on Amazon when I feel like shopping. Leave it there. Then later on in the week I move it to save for later. If I haven’t needed it in a month it just stays there and I don’t buy anything impulsive anymore. I have been doing this for about 2 years. Saved a lot:-) hope this helps someone
Thanks for sharing! Yes I do similar now I have moved onto my low buy. Leave it in the cart and walk away to think it over for a few days to see if I really do need/want it. Most of the time I never return to complete the purchase - it really works! Great tip x
I do this too.
I do the same thing.
I have saved so much by doing the same thing!
I do this as well.
I did a no buy year and it was great! Saved a ton of money and changed my relationship with shopping for the better. Good job on saving so much of your income! 💪💪💪
That’s brilliant to hear. It’s so eye opening isn’t it? I wish there were more media messages about the virtues of saving and not shopping all the time, think it could transform some people’s lives! Xx
@@KirstyKirby Just talk to most people over 60, that was a way of life for majority of North Americans..... basics only. Large families and hand me downs. We lived basics unlike what those younger think living basics is today.
Outhouse, gas lanterns, water pump outdoors, maybe not all the time, but try a year of that,..... with 7 children in a house and only a wood stove.
It is amazing how one can live with basics.
When I say basics, I mean toilet paper and a toilet in the house, running water, indoor plumbing, a good heat source, an electric stove, now that is a luxury and many times I forget what life was like for that one year when we were young, and then many years with below poverty level...
Basics are sometimes leaving out butter, and no margarine, and no peanut butter. Having bread, fruit and veggies is enough. Meat is a luxury, but that did not hurt us because less meat is good. Watering down shampoo and dish soap.
Watering down ketchup bottles to make it last.
Absolutely no frills with food, and cosmetics were unheard of, other than the huge bottle of lotion or shampoo. Cheap brands.
A huge honking bag of puffed wheat.
Ah, the good ol days.
:)
Great video!! Loved it , But why you haven’t made more videos??
@@KirstyKirby joke
@@claudiazam-rod3362 hi Claudia, I will be back very shortly. I ended up actually achieving my goal and bought a house which I will cover on the channel. With the move and pressure at work due to Covid I found it quite challenging fitting in filming. Hoping things will start easing up and I can get on a regular schedule x
I loved the part "feelings cannot be fixed with things".. a lesson I learned the "expensive" way, I still work at that aspect..
I think many of us work on it as an ongoing process, you’re far from alone. So glad you enjoyed the video 😊
This is so true , they cannot be fixed with food also . I also deal with stress eating and emotional shopping hmmm
I'm a recovering "retail therapy" person myself. I've been impulsive and wanting to learn or do new hobbies and things, then the desire goes away and I have a ton of stuff I have no real knowledge or even time to use right. So, my no-buy year starts tomorrow (Monday reset day) & it's gonna be ALL about capitalizing on the things I've already bought, making great stuff, learning new instruments... all that stuff. And feeling more competent and in control will likely curb those depressive episodes that tend to lead to retail therapy. I have a library full of books to read and tubs of yarn to create things... not gonna be bored, that's for sure.
I saved 60% of our salary too this past year! The weird part is “surprise” money came our way too-it was like the universe noticed what we were doing and decided to play along…savings=feeling safer AND more opportunities-
Amazing!
Love this
Hello Lisa. I just want to share the truth in peace with you The universe does not do anything spiritually. It is indifferent to us just like a blade of grass or a drop of rain would would be! God is the Creator of the universe and will draw close to you when you draw close to Him. The only way to God is through His Son, Jesus x
Not everyone is religious and believes in an invisible person. It’s not a him/her , it’s a collective consciousness and yes the universe sends you what you set your intentions on. Namaste
@@ladymiss9134 So true. I set out to save $2700 for emergency fund this year and was short $1000. I really tried hard keeping a budget this year (first time) and working harder on my side hustle but it wasn't enough, then I got an unexpected check and some Christmas money and it added up to the $1000 I was short, so I am ending the year with exactly the amount of money I intended to save for my emergency fund. The universe aligned things for me. Namaste
The buzz one gets from seeing your bank balance grow far outweighs that momentary buzz from buying something that’s not entirely necessary. Well done for sharing your experience.
Totally agree! It really does change your perception on things that won’t bring value.
I totally agree with you. It's much better to have a bit of financial security than a lot of unused and unnecessary items.
Time flies! We had a certain amount of money from our paychecks go straight into a secure investment account. We just forgot about it until after a few years when we noticed its growth. It was amazing. We were teachers with modest incomes, but since our jobs were secure we did well and lived happily since we loved our work. Today, in the US, teaching jobs usually are not enjoyable and secure. Jobs are insecure and treatment of employees seems brutal. I love this no buy movement. For one thing, it’s human nature to treat ourselves to a cheap purchase because we can’t afford what we really want or need and we’re impatient. We’re swimming in a commercial world. So we end up with a lot of junk. 😢
I'm seeing ads for Boots. Not today, Satan.
😂😂😂
Not today, algorithms? Lol
@@sssnipermonkey5566 That's redundant.
😂😂😂😂😂
Hahaha! That's hilarious, love it!
As I was decluttering my closet, I realized how many clothing items I bought but never wore. Some didn’t fit. I bought them because emotionally I wanted it but it served no purpose. This coming year, I will do a “no buy” and see how it will affect me. This video is very helpful! Thank you for sharing!
Thank you for watching! I too have found I owned clothing I had never worn, since really scrutinising my purchasing I’ve found little need to buy more clothes. I’m finding huge value in wearing what I already own, and that way it feels less wasteful.
I'm finding having no mortgage and savings behind me has allowed me to assert myself at work in ways I could not have imagined before
That sounds so liberating! Since this video I have actually taken on a mortgage of my own (I really need to make more videos to update everyone!) But the no buy has been amazing in changing my shopping habits, so much so that I’ve managed to make several overpayments already. It feels good that doing so puts me in a much more secure position if anything should happen work wise. Xx
After mom died in 2014, her second house, she lost the first, she willed to me & my sister, I paid off last year, a month ago I got my pension I started in the early 80's. I am 65 & enjoy growing my savings.
Thank you! I have decided to do a No Buy year starting today and I came across your video. I hope to pay off my student loans and I will need all the encouragement I can get because I love to shop! So, I will be watching posts like this video to help me stay the course. Thank you for your honesty!
Hi Bianca, thanks for watching! Good Luck with it, it gets easier and easier as time goes along. Having such a big goal as paying off your loans will really help keep you on track. Even now when I look at things I might want to buy I ask myself if this money would be better saved towards other things, its sort of like a muscle that gets stronger over time!
I’m a die hard and we paid off my husbands student loans 12 years early. It truly is so freeing, and set my mind at ease during the lockdown. We were imagining how different life would have been if we’d still had to have been making those payments for that crazy year. It’s even a blessing to get those payments behind us.
Good luck my friend! It’s doable! And you can do it!!
How was your first month?
🙏good luck!
It's very achievable.I loved shopping alot. But this year I had a goal.And I achieved it was no buying year and was the best decision I made in all my years. I tell you this each time I go out and I feel like buying anything which I actually do not need. But I just feel like buying it because it's beautiful 😍. I don't know how I managed to to do this. But I did it in the end. I am doing Same next year only spending on food, necessary items and necessary things my kids need.
I have done this as a single parent and bought myself nothing for two years - it was eye opening because when I did have a wage - stuff doesn’t didn’t interest me as much anymore although I did need a few things like socks , underware and rain coat and a hair cut as was 4 years by that stage 😂 but it really made me look at what I have and use what I had and what I REALLY needed . I now am trying to save for my first home as a single working mom 👊🏻👊🏻 No buy year for myself again and feels easier because if these lockdowns !
Hi Sarah I know exactly what you mean, doing a no buy has been incredibly eye opening as I too found that over time I was less interested in ‘stuff’. As you say there will always be things we need and I don’t think there’s anything wrong with having things you want - but I’ve found that when I sit back and wait, most of the things I find I’m not that bothered about having. Whilst I officially finished my no buy when filming this, I’ve not bought anything other than one thrifted dress!
Good luck with your savings goals, I’ve massively found having this helped me really question if I wanted something. I am currently awaiting exchange on a property and being so close to achieving that goal makes all the ‘sacrifice’ feel completely worthwhile. Xx
Great advice , spot on about social media, hope things are getting better for you, all the best x
Love!! Have you heard of Dave Ramsey? If not, I highly recommend checking out his book or podcast/TH-cam. Huge help for us in getting out of debt and building wealth! 💕✨
Yes I know of Dave Ramsey. I like some of this takes on things, don't completely agree with some. So happy to hear that it worked for you though, getting out of debt is awesome!
Buy hair cutting scissors...a great investment that’s saved me a small fortune over 3 years. And it’s great to freshen up my look when I want to...for no cost.
I have done more of a re-directing of my finances. Living in the heart of Phoenix, I would spend approximately $40 a day eating out my meals & coffee. A year ago, I decided to take that same money & make/eat homemade food. Obviously, I had an enormous amount of food I was purchasing. So I learned how to dehydrate, & can & freeze meals. I now have a fully stocked pantry, freezer, and long term supply for emergencies. Last year at this time, I had about 2 day’s of food in my house. Feels so good knowing it didn’t cost me any extra and now in an emergency, I will be fine for several months. Thanks for this video!!
I definitely need to do a no buy on clothes and shoes for a year or two. I admit I have been out of control with my shopping, but I will start my no buy for one year today!!!
Clothes was my Achilles heel with shopping for a long time, I don’t know if you’ve seen it, but I did a video about how I didn’t shop for clothes for two years. It’s been really helpful not to shop for clothes and wear what I have for an extended period of time, I’ve learnt what I wear most and this should hopefully help me to avoid shopping mistakes in the future.
Me too!
How was the no buy year? I do this with shoes, have around 3 pairs per season and only replace one when broken. Lasts me 2-3 years mostly.
I totally agree about the cutting out the social media. We may not notice it, but at times I do feel we compare ourselves to others. It was such a freeing experience being off social media the past year. I don’t think twice about it. ❤️
Absolutely, often you don’t even really know you are doing it and as they say comparison is the thief of joy. We are all so different and value different things anyway. X
So true. Comparison on social media is leaving people penyless
Most of those people bought everything on credit cards or finance.
The pandemic has really opened my eyes to the frivolous habits I'd developed over the last decades. My house is full of duplicate items purchased on a whim in the moment. No more of that. I've changed my perspective of what is priority. Thanks for your video, it offers clarity.
I found the pandemic eye opening in similar respects, prior to March 2020 I often would pop into shops to kill time between work appointments and make little purchases without really thinking, most of them relatively inexpensive. But like you, I found when I was trying to declutter before moving house I had so much stuff, and many duplicates!
I can so relate to everything you said. I found myself not wanting the things that I use to buy. I would ask myself if I need it. We actually made more money during the pandemic but those things didn’t matter to me anymore. I am definitely wanting to save money now.
I love this video! I started a no buy skin care and personal care products a little over a year ago… I thought it would be a few months, I’m still working my way through everything I previously purchased. 🤦♀️
Tell me about it! I previously hugely overspent and started with a no buy just on make up, and vowed to use it all up. I still have items still sealed three years later!!
@@KirstyKirby I believe it, it’s been a huge wake up call for me
Oh my gosh I love that! Baby steps!! Good for you!!
@@KirstyKirby I hope you don’t have to go through what I went through, when I opened sealed jars of skin care and realized that it was smelling bad. All the money I had to throw in the trash, when I de cluttered all my cosmetics and skin care and makeup! And I still have enough stuff to last me at least 5 years!
@@1whitecottagelife770 sadly I have along the way found a few things I’ve had to throw out. Particularly things like body lotions, I was often gifted things like that and a few had split or smelt bad even though they had been sealed.
I’m almost through everything like that though now and just buy what I need. If I want to try something new I wait until what I have is almost empty.
I did a low buy 2019-2021 and the results were amazing. I’m planning on stepping it up and doing a No Buy 2022. It won’t be hard because this year I barely bought anything. Christmas has been a struggle to spend for my kids because I just don’t find joy in spending anymore.
Thats amazing going, I embraced a low buy first and it definitely helped prepare me for a no buy.
I'm going to start with a low buy and move into no buy! Thank you. 🤑🙏🏽❤
@@sister2mysoul good luck! X
@@KirstyKirby yes the best thing to do is take small steps. I did a couple of years of low buy. Every year into it the buying got lesser and lesser. Now I’m on a No buy and things are going very well. My next step will be to declutter and reorganize my wardrobe. I noticed that in the past if I decluttered too soon I then have an urge to go out and shop and fill up the space again. So this time around I’m saving the decluttering for 2023. After I conquer the No buy 2022.
@@tippytoe1250 Good luck! I'm starting on the wardrobe declutter myself now, but am planning to do it over a relatively long period and to not buy anything until I really define my style.
At Thanksgiving I decided to do a year of not buying clothes, makeup, skincare.... The stuff that I impulse buy all the time. Well here we are only a month in it's really opened my eyes to how much I was not thinking about my purchases and how many impulse buys I was making. Some work to do around feelings for sure.
Impulse buys are so costly I found! I couldn’t believe it when I started seeing the difference in my savings. Now id much rather have something I REALLY want even if it’s more expensive and then leave all the cheap impulse buys in the store.
I’ve spent over 800$ in a day just on clothes and makeup a few years back….I didn’t even notice it until I got my credit card statement….That’s a CRAZY amount to spend in one day on things I didn’t even need 😩 We really can spend mindlessly, can we? 😒
I'm a very lonely person due to mental illness. I buy stuff (mainly fragrances) to make myself feel good. I've spent tons of money and......still feel lonely. I really need stop buying things I don't need. Thanks for this video, it has inspired me.
Hugs to you dear. How are you today ❤️
@@Jennifer-1724 I'm well thanks 😊 I hope you're having a good day 💕
Same..I usually buy stuff when I need to feel happy. Lately I'm always stressed and sad and it feels like a non ending cycle. But not anymore!! From the next month I have a plan to save money and get my health back. We can do it 🥰
Hi Louise, I am so sorry I have only just seen this! I'm so sorry you feel lonely, it sounds silly, but without my dogs I think I would feel a lot more lonely too. I hope you are feeling a little better today, and you've inspired me to think about some content that perhaps covers some of the things I do now for entertainment etc now that I don't really shop often. I was surprised how much time I spent doing that once I stopped. xx
Jesus is there to heal your pain. Call unto him and he will save you
I’ll try this. I spent 2k this year on fast-food/take out for me and my husband. So this is something I want to reduce and stop buying things like cute little plants or cute things that are “cheap”.
Good luck! Yes I used to buy things that were ‘cheap’ and invariably they ended up being sent to the charity shop or binned eventually. I try to just buy only things I really want now, even if they are more expensive.
I sympathise on the take away costs. I looked at my bank statements and discovered I'd spent €427.65 JUST ON PIZZA in 3 months! 😳 Multiply that by 4, and it comes to €1710.60! 😱
For me, that's 3.5 months rent. 🙈
"When you don't concern yourself with what other people have and what other people are doing, then you're much more content with what you have and what you're doing; you don't need to compare yourself at all."
Very True :)
Sounds like you had a great experience.
I did a no-buy 2019 and a low-buy 2020 & 2021. It has made a huge difference financially, especially with layoffs & lockdowns over the last 20 months!!
Sorry I missed this - well done! Yes I know so many friends who have been made redundant this last year or so, those with savings were in a much better position than those who were savers.
Thank you...smart, in the times we are in...
As long as you program yourself into looking for ways to save everyday, this will automatically click...here's an example ...you need a medal colander, for your pasta...dollar store has it for $ 1. 00...your neighbor, 4 streets away, has a yard sale, and even new stuff he has out for .25cents..
The metal colander is new at the neighbors, so you pay .25 for a new metal collander versus $ 1.00 at the!! dollar store
I scout charity shops for clothes, accessories and books now. Haven't bought new clothes, shoes, bags or accessories in two years. I feel good about it! I don't feel like I'm denying myself at all and I get a thrill if someone notices a new top and I proudly tell them it was £3!
There’s some amazing stuff for sale in charity shops or online, often brand new! I recently found a brand new Michael Kors dress for just £23 delivered and it is a print the Duchess of Cambridge was spotted in so a true rare find!
I spent more money at charity shops than I ever did at stores. For me, it was just as big of a problem! If you are disciplined it would be ok but I overbought because it was cheap. End result was the same for me, financial ruin.
Absolutely loveeeee this video! And I’m SO glad it appeared in my feed right before the new year and I will be challenging myself with this for 2022!! I agree with every single point you said in the video👏🏾 One saying that I came across and I remind myself is “comparison is the theft of joy”☺️
Yes, such a true saying. We are all so different anyway, comparing is fruitless at the best of times. Good Luck!
Me too!
I, like you am happy to have come across this as well. Today is January 2 so I'm still excited and ready to put the "no spend year" into effect especially since I haven't spent anything yet 😂 I'm up for the challenge.
@@shondadeloach6714 good luck Shonda!
It's nice to know that there are others out there who are joining along. In my world, everyone thinks I'm nuts so it's nice to see that I'm not alone after all. I've been a vegan for 2 years so this just adds to my "strangeness". 2 days down - 363 to go.
Congratulations! The things you highlighted are so true! Over the years, I did make big mistakes but finally stick with a mantra of saving more than spending. I think it’s been a year or so that I keep a budget and still prefer to only spend minimally as a need arises. I continue to use what I have - it’s amazing how long things last when you just use them in a normal everyday life way. I started putting a sticker on for example my face cleanser when I opened it (started using) and it helped me see that I truly only need to buy a face cleanser twice a year so then I can buy two for the year if I see a good sale.
You are so right. When I initially did my makeup no buy I found it shocking how long things take to use up, I’m still using up things I bought 3 years ago! 🤦♀️ it’s so easy to fall into bad habits of ‘just’ buying this or that and can be so hard to get out of. I think we are often shopping to induce a certain feeling, yet there are just as great feelings that come from saving, like security, options, etc etc xx
Good idea. 🙂
Well done Kirsty. I have done something similar in the past, it is a bit like fasting, eventually one has to eat, but the fasting makes you appreciate food so much more! As long as one does a "no buy" cheerfully and has enough already to re-use and recycle, it is a great practice.
Yesss! I find the more you do it the easier it gets too. For example, I really fancied some new Chanel Nail Polish, which is obviously pricey, but after not buying anything for a year I was tempted when I saw an offer on. I decided to just sit on it for a day or two as i really don't NEED anymore. I have several colours, and it's not like I'm running out, but I could afford it no problem if I decided to buy. I forgot about it and the offer passed and I don't feel like I've missed out at all. Not buying things almost becomes the predominant habit and now I can't imagine being so frivolous again! xx
@@KirstyKirby Oh yes! Been there with those tempting make up offers! But as you say, it passes and you don't feel that you have missed out! Sitting on it for a few days is really good advice.
@@Yasamin-zn4pu I find offers are terrible for getting you to buy things you wouldn’t buy in any other circumstances too. I often say to myself - if you wouldn’t buy it at full price you don’t actually want/need it.
@@KirstyKirby 😀 So true!
I did a no buy for a year and a half and was able to save money for a downpayment for a whose. Now, knowing how much houses are here in Canada a small simple house in some parts of Ontario now goes for 400k and over. And that's a small house. I even hand washed my own laundry just so that I could save on using the machine. My clothes even came out cleaner than the machine. I felt so fulfilled knowing that I don't need much to live and be happy.
I can relate to that, the housing market here has become very expensive. Congrats on your no buy!
This is why so many Ontarians are moving west for the affordable housing. Met a couple from Orillia this summer who drove all the way to BC looking at real estate along the way and they settled in a small town in Saskatchewan and love it here! He can work from home so is still employed with his company based in Ontario.
Perfect timing. My husband and I are trimming down purchasing items that we don’t need or have use for. Going lean as were telling each other. Thanks for sharing your experience.
Good luck! I’ve found after doing this is massively changed my relationship with ‘things’ - I only want to have things I truly want or need, not just due to money but clutter too. Thanks for watching!
Thank you, Kirsty.... and to all of you for your comments. I’m starting a “No-Buy Year” tomorrow (January 1, 2022).... And I am SO excited and relieved to have this as an avenue for Imagine ... a year of aggressive and purposeful saving for security and peace, as opposed to a continuation of ‘aggressively and purposeless buying for reckless reasoning and impulse satisfaction. You video Kirsty has inspired me... and all of you offering comments and perspective have encouraged me. Damn. This idea is so pure and peaceful. Thanks to everyone here.
Sorry only just seen this! Good Luck with it - it was a difficult yet really valuable experience for me. After a while saving gives you similar good feelings to shopping!
Thank you - I found myself being overwhelmed with so many options that I never did anything with the stuff I had
OMG Yes! I totally relate to this, especially with beauty items. I never really got the best out of anything as I had so much it was overwhelming
watching this in 2022. Thank you so much for sharing this is amazing and I am planning on doing a year of no buying. I definitely bought way too much last year and have always probably spent most of my money on things that are not necessary. In the recent months I’ve just realized that I am really not happy with my financial life and I want to make a change for the better so that I can start investing my money in things that matter. Again thank you so much for sharing and you have helped me on my journey, wish me luck.
Thank you for watching and good luck Kimberly! X
Good luck! I’m starting with 3 months of no buy and no Amazon. Baby steps to 6 more months then 3 and I can complete 2022.
This is really lovely as are you! This year I took on a seasonal job that got me working in the woods - no phone, no signal, no shops. My relationship with shopping has definitely changed. I mean, I save every month anyway and I'm relatively careful with buying now but simultaneously it's mad to think my savings would probably last a year if for some reason I became completely unemployed!
Ah that’s really kind of you to say. You never know when those savings might come in handy, I found myself unemployed and then took a job that was a massive pay cut just to keep the wolf from the door whilst I looked for something appropriate - it’s been awful but made so much easier by having savings. I don’t think I’d have gotten through it without. Thankfully I’m back in a job that pays reasonably well but things could have been so much worse without large savings. X
I have always disliked shopping and only go to town when I absolutely have to and have a shopping list I go by. Never grocery shop if you are hungry, eat something first. Get out of debt, always pay off credit card when due and set up an emergency fund. I was able to retire at 60 with almost a million saved up and very low living expenses as I live on a ranch and raise most of my own food. Love it!
I’m working towards growing more of my own food. I had to use containers previously due to being in a rented property but hoping to have a better set up in my own place. I love the idea of being more self sufficient. Thanks for watching!
Good for you is this possible with kids I wonder though?
I just saw this video...decided to go into my purchases from 3 online accounts...just in 2021 as of today....OMG I am ashamed to say this....just on impulse purchases from $1.50 to $50.... I have spent a total of $1,087.67.... OMFG!!! WTF IS WRONG WITH ME!!!😭😭😭😭😭😭😭😭
I know 2021 has been my most challenging year in 9 yrs but that does not justify this much irresponsibility....NO MORE! Thank you for sharing this video 🐾
The impulse purchases are a killer!! I was shocked when I realised how much they were costing me. Most of it is tat that eventually ends up in the bin too!
I really enjoyed your no buy video. I’m not going to lie. The stress from the pander has catapulted me into an Amazon addiction. I absolutely need to get ahold of it and cut way back. Thanks for showing us it’s possible and all the benefits it offers. I do have one no buy I am consistent and proud of: I don’t buy any animal products for myself. Being vegan has also allowed me to self cure my high cholesterol, triglycerides, overweight and elevated blood pressure. I don’t know how much money I have saved by only buying fruit, vegetables, nut, grains and seeds as they’re expensive especially the organic ones, but I don’t have the medical bills and problems I would have if I still ate animal products. I also cut out junk food which has been a huge help physically and financially.
A lot of people I know spent more throughout the pandemic as a way of trying to deal with the stress and feelings of being out of control. You certainly are not alone. Every day is a new day to make a different choice if that’s what you want to do 😊
I’m glad I found your video, I’m currently not working due to mental health reasons so a no buy year would be very helpful. I do have savings and if they can last a bit longer that would certainly take some pressure off. Medical bills aren’t going anywhere for sometime. So me thinks this starts now. Wish me luck 🤞🏻🤞🏻🤞🏻🤞🏻
Good luck Claire!
This is so helpful! I am moving into my van this year and I am going to try doing a no buy year so that I can save to travel. I love hearing that you saved 60%!! That is an INSANE number! Congratulations! I am so excited to do this.
Wow van life! I bet that will be such an interesting life experience. I never would have thought I could have saved so much before I did this, it was actually mind boggling!
my dad went into hospital some years ago and i had to take changes of clothes for him. i discovered his underwear were full of holes 🙄. i had to chuck them out as they were grubby beyond repair 🤣. i knew dad was always stressing out my extravagance, or being ocd about every drop of water used in the kitchen!
recently, my dad needed help with his finances and i was totally shocked at his savings! despite his meagre income, he had managed to save a decent pot through years of penny pinching!
i guess dad’s attitude was because he couldn’t control his income, then he would control his expenses.
This video was so timely. I want to teach my teenagers better about impulse buying and saving money for a rainy day- I can’t tell you how perfectly this little video resonated with me! ThankYou so much for putting into such few words, such big meaningful concepts🙏🏻
Ahhh thank you for such a lovely comment. Xx
I did that for 2 years once (a long time ago) and it was really eye opening how much you can save. It’s hard to do although the rewards was worth it back then.
You’re absolutely right, it’s not easy (I think in a weird way lockdown helped as I wasn’t putting temptation in my way much) but as you say it’s mind boggling how much you can save when you put your mind to it.
I haven’t done a no buy, but over the last year I’ve been very careful what I buy. I’ve stopped buying clothes as I don’t need anymore. I’ve given away a lot of items I don’t wear or don’t need. I feel much happier in myself as before I’d just be looking for items that caught my eye. Thank you and well done. 😊
I want to say “Cheers to you! “
Well done on being proactive and acting personally responsible and minding your finances. Thank you for sharing and I’m going to move forward similarly . I often shop because I’m bored and while I love the things I buy, it seems unhealthy.
Thank you for watching! Yes I know I used to shop when bored in the past and it’s not a good thing, and certainly not the best use of my funds, especially as I’m far from rich!
I'm very very very bad at saving and within 2 days of my pay day I'm left with nothing. I have to clear my debt asap. I seriously need help. I will try to do this now.
Thanks for sharing!!!
Hi Manisha, I promise it’s worth it to clear debt. Freeing yourself from that really is a powerful feeling. One tip from experience is, it’s hard at first, but almost like working out, gets easier as you go along. Also setting little goals each month to pay off x amount can give you the same satisfaction as shopping can xx
2023 is in 2 days
I am here to remind myself why I need to implement my no buy year.
I tried it for 6 months,it literally saved my life. Thank you
Good luck! Pleased to hear it had such a positive impact on you! Xx
I always keep coming back to this video everytime I struggle not to spend. Thank you for sharing x
Aww thank you - I'm glad to hear it has helped!
I love this! I've been an agressive saver my entire life, and I agree with your sentiment!
I appreciate hearing how much better you feel not getting pulled into comparisons with others. I work at Homegoods and seeing all the mass consumption, same customers every day is making me insane. I felt something was wrong with me that I don’t get excited for new stuff all the time like my customers. I dont need to feed my feelings anymore, its too expensive!
Seeing that must put a new slant on things. I don’t understand some of my friends who redecorate constantly and spend a fortune on new decor items each time - I still have most of the furniture I bought over ten years ago and I still like it and is in good condition!
@@KirstyKirby my furniture is 20 plus years old.
Oh my, I love what you said "Things cannot be fixed with things." That just struck me. Lol as I am guilty of emotional shopping from time to time. Thank you for sharing!
Thank you for watching! You aren't alone, so many people have shared they have partaken in emotional shopping from time to time. But sadly it rarely works more than momentarily. x
Over the past 18 months, I've only bought exactly what I needed, and have managed to save quite a bit. When you cut out things like clothes, hair, mani/pedi, gasoline, etc. it's amazing how much you can save!
It really is! I’ve been startled by the savings as I was already saving proactively before doing this.
Omg! I'm going to try this on a month to month basis! Thank you for sharing and all the comments!
Good luck Brenda!
@@KirstyKirby thank you Kirsty! I need it 😅
I’m absolutely considering this for 2022 particularly after watching your video. And I’ve not purchased anything YET this year so I’m already four days successful!
Good Luck if you decide to go for it!
Absolutely loved this and completely agree with you about social media, im feeling tons better being off it. Thank you x
Hi Danielle, thank you for watching. I’ve found I can dip in and out of social media now without it affecting me too much but I’m super careful about who I follow. Overall though, I think not being on it regularly is really helpful to avoid comparison to other people’s highlight reels xx
OMGosh I need to do this but I’ll admit I’m scared to. I love antiquing, thrift store and flea markets but they too can be expensive when adding up purchases. I know me and the part about buying things to “replace” feelings at the moment with small things can REALLY add up! I bought an historic late 1700’s home in upstate NY but I really need to do a major restoration and this seems like a great solution. Great video!!!
Oh wow your house sounds amazing! I love houses with character and history - but yes older houses can absolutely eat money!
Doing the work yourself which ever you can will safe you a lot of money. And YT is the place to learn. Best of all, you can sell any tools you buy later on for the next person to use.
7:01 @@KirstyKirby
Whoo Hoo! An entire year of not shopping, and it's been truly eye opening! Have you ever done a no-buy? Would you do one?
No way I love shopping too much why deprive myself?! 🛍 🛒. I applaud you though!!
@@angeladesilva5256 ha ha each to their own Angela 😊 I have very good reasons for doing one though, it’s taken me a lot nearer to a dream home which is worth every sacrifice 🤞🏡
I love your makeup here, any chance that you will do a video on it? My complexion is very similar and every shade you used is 💯
I'm going to do a no buy year. It sounds like a good way to curb my impulse buying that I started during lockdown out of anxiety. What a great video!
@@kristinemancillas8242 So many started shopping more in the pandemic, a few of my friends have talked about this recently. I found it eye opening and have continued spending very differently!
Starting my "no buy" year this week! So excited and motivated. This will include not going out to eat and not spending money on entertainment.
Good luck with it Sunshine! There’s loads of ways to socialise without spending - I like to just visit friends at home or spend time in nature. Good luck!
my nana used to say when I was young, money should no give you happiness should give you freedom, you save up for rainy days or simply for say " do it by yourself" when you have a bad job, I did applied her advice asking me always "I need it or I want it", so thinking in how you use your money and save is very good, very good video, love it.
Thanks for watching! X
Yes, I’m on a Low Buy, quit my job last August, I am starting my business, decluttering my home, living below my means, changing my life. I love this topic. It’s a great way to completely reset your mindset on life, needs and wants, being intentional with life purpose.
Good luck with your business! An amazing reason to undertake a no buy - best wishes for your success!
@@KirstyKirby Thank you! Best wishes to you. 🕊✨💕
I appreciate your video and I am going to try this. One thing I spend a lot of money on is eating out and ordering delivery meals. I am going to try to limit that to once a month this coming year. Also, I tend to thrift store shop, which seems to be smart, but I tend to buy things I really don't need. So, this coming year I can only buy things that I absolutely need when I thrift. No more buying vintage jewelry just because it is pretty and is only $4. No more buying another winter scarf because it is cashmere and only $2.99 (I have a whole closet full of scarves and tend to wear the same two or three and none of the others. I think I will be surprised when I count up the savings at the end of the year. Thanks for the idea. This inspired me.
Good luck!
Oh wow. I'm inspired. I think I should do this for the new year too. Thank you!
Go for it!
I did something very similar when saving for a family visit from N Z to the U K. My strategy was to never buy on the day I saw an item but to tell myself I would buy it tomorrow. Needless to say the item was not purchased. The savings in a year that was frugal were amazing. We had our trip and I developed a mindset that said to question myself before spending. Great outcome
Thank you so much for sharing your story Sharron! Yes I relate to that so much, in fact a similar tip of ‘sleep on it’ will be in an upcoming video of how I managed to stick with the no buy. I agree with you, once you start being purposely frugal, especially on things that aren’t really important to you, the savings are amazing. I found I almost enjoyed the challenge of seeing if I could save more and more each month.
this has inspired me 100%,can see myself being addicted to your videos xxx
Thanks so much for watching!
I thoroughly enjoyed your video. I did a No Buy from Amazon December 2021 and it was great but not long enough. I'm going to see if I can save 60 percent of my take-home as well. Thank you the inspiration. I don't shop to distract myself but I do the "This doesn't cost much" thing and that can kill a budget. "Watch out for your pennies and your dollars will take care of themselves."
Yes absolutely true. I was shocked at how much I must have been spending on little ‘bargain’ items. I’d already stopped purchasing clothing and cosmetics etc etc so to find these additional savings was startling.
So inspiring !! I will start a no buy year right now. I am so tired of feeling stressed by the money and to spend so much. Your video was the little push I needed. Could you please do a tips video ?
Hi thank you for watching. My top tips video will be filmed and uploaded in the next few days - have been working on it today 😊
Just stumbled across your channel, so refreshing to hear this stuff from a Yorkshire lass! I'm about to start a no-buy year in January, so I'll be looking back at your videos for hints, tips and general encouragement. Thanks!
Ha ha yes I love my Yorkshire roots! Good luck with it Anne, I’ll be back with more videos shortly ☺️ xx
Good video and advice. Four years ago I moved and really cleaned out a lot of stuff. For a while I was making a conscious effort to not buy things but the clutter is starting to come in again. Need to work on this because you are right it will not make you happy and it’s expensive.
Moving house can really focus the mind for sure. I’ve recently moved and seeing so much stuff (even though I’d been decluttering slowly for about two years) was eye opening. I hate the idea of regularly buying things to only declutter at a later date. I think we all have to work on it consistently so you are not alone.
Yes! Moving is so overwhelming- and then you add the clutter that you have to pack up and take with you, or donate, or throw into the landfill. Oh man.
My sweet mom passed away suddenly two years ago and my sibs and I have just recently gone through her stuff and I’m having such an interesting insight. Stuff is just stuff. My mom didn’t use all kinds of things, and now it’s up to me use them, donate them or throw them out. I sometimes just look around me and see all of this stuff that she didn’t even know she had- that is now my stuff. I don’t know what to do with it all.
If I had heeded this 25 years ago I would now be semi retired instead of gritting my teeth for another couple of years. Oh, the money I've wasted, all for the sorts of reasons you've outlined!
Dunno if I will manage it but I am gonna go for no spend in 2023. I've subscribed as I really like your delivery!
Thanks so much for watching! Oh and I’m not by any means perfect, I look back and often wish I’d done things differently when younger when it comes to finances. The beauty of hindsight I guess!
Very good video! I have been doing this for decades and it is VERY liberating. I have everything I want and I rarely buy anything other than food or tools for job. Every toy I've ever wanted I have and am now looking to start down sizing my "stuff" to a bare minimum. Thanks for posting, it was nice to see so much wisdom from one so young.
Thanks for sharing Clint! 😊
Thank you for your video and helping me realize how my spending needs to change big time. I am going to do the no buy and stay away from constant social media stuff. Hoping for a better 2022 all around!
Here here! I think we are all ready for happier times!
This is so motivating! Starting my first no-buy year NOW! I think I am more excited to see how much time I free up as I've discovered I waste a lot of time browsing.
Omg yes! At first I almost didn’t know what to do with myself, I had no idea how much time I really spent ‘shopping’ whilst sat at home!
Hi Kirsty, a 50 % savings rate is great! I did no-buy years before and it allowed me to finance travel later on and pay off debt. Now I am starting out on my journey to save for a down payment too. I can manage to save the amount I need in three years If I do the whole time no-bye years. I am really motivated right now, hopefully, I can keep it up. I would love to hear from you, how you kept yourself motivated during that time, especially when everyone else around you is spending, thank you! :)
I ended up saving 60% so even smashed my own goal! :) I intend on making more videos shortly - I've been away as I actually finally reached my goal of buying a home!
I am going to give it ago, even though my husband and I are both retired, but still spend too much on items we don't need or want. I must admit my husband is better than me about spending.
I have never done a ‘no buy’ but I have scrutinized all purchases for years. I listened to Suzie airman and learned the quote ‘ it’s a want or need’. Most of my shopping is on necessary needs!!
Yes it’s an easy question to ask oneself - is this a want or a need? That said I’m not about saving at the expense of all things, just about using money in the best way, so that it isn’t wasted on things that don’t offer value.
Very good stuff! I did a Three-S (screens, spending, and sugar) fast in January--had no idea how much money I absolutely throw away, how much sugar I was eating, and how often I was looking at a screen!!! Now, for February, I am only spending for other people, and that after a few day's consideration-patience is a huge help here! So, for instance, in noting my 27-year-old daughter spending her money on ballet shoes while her boots are looking a little ratty, I chewed on that for a few days and then found the perfect pair for her and ordered them. I used money I was considering putting toward skincare. So glad I've opted to make do with homemade skincare (have been doing so for several months) and put that money into shoes for my child. MUCH MORE FUN!
Man that second lesson hit home. I went into big debt a few years ago because of it. Then realized that nothing I bought changed the situation 🤦🏾♀️ I had to get over that. I’m working on controlling impulses and so far so good!
I think that’s what started me on the journey of both buying less and saving. A few years ago I realised I was unhappy despite having many of the things that in theory should have made me happy. What was the point in all this stuff, if it brought no value, no joy past the point of purchase?
Well done on making changes!
I think that’s what started me on the journey of both buying less and saving. A few years ago I realised I was unhappy despite having many of the things that in theory should have made me happy. What was the point in all this stuff, if it brought no value, no joy past the point of purchase?
Well done on making changes!
Thats amazing well done. I would love to do this. Sadly with the lockdowns I've spent more buying the kids stuff to play with in the garden and things because we couldn't get out as much. I'm definitely going to try be more mindful of what I'm spending. Thank you 😊
It’s definitely not been an easy year and I probably would have found it much more difficult to do this if I had children. I totally understand needing to try and keep them entertained especially when you can’t get out and about. I won’t be buying nothing this next twelve months I don’t think, but I’m definitely going to keep up with thinking about what I buy and asking myself if I really need it as it’s crazy the amount of money that can be saved with just little changes xx
No shame in enriching your kids lives with outdoor education. No buy helps save money and addresses feelings but it has no intrinsic moral value. Your kids will appreciate your care for them. ❤
I did no buy a few years ago and it felt so good. I can pay my bills and knowing that I have spare money on my account is really a relief.
I agree Angie. I know not everyone is so lucky but having an ‘emergency fund’ of savings really alleviates some stress.
Did something similar not by a plan but due to the fact that I started this online budgeting app called YNAB one year ago. It's funny how when I was watching my money closely and knowing I wanted to pay off bills, I lost the urge to spend money as a hobby - gardening center, clothes, Home Goods and even my grocery bill went waaaaay down. I am just completing one year and it was lovely to hear what you did and why you did it. Some of why you did it was similar - but I had debt and a rental where I was renting out rooms in a house across country, i was working a w2 contract job which was only temporary, and I was self-employed in an industry that was hit hard by rising interest rates. I had fear myself and my life was a bit too complicated with finances. Thanks for posting. Definitely true that it was life changing.
Been tracking how much I spend daily and was only buying essentials. Last month I was shocked by how much I was actually left with to pay off one of my credit cards: a whopping 2k dollars for someone who barely makes 4k dollars a month. As much as I never liked the idea. It’s really paying off. From owing 14k in debt to now 5k within 6months. Lowered my bills. Cancelled all subscriptions except Apple Music and Netflix. Keeps me preoccupied. I’d say consistency is key. As time goes by you become unstoppable.
@@Lifewith_charlotte_ that’s amazing! I agree, I don’t live this way permanently but it was shocking to me how much I was spending somewhat absentmindedly-and I was fairly frugal in comparison to some of my peers. Paying down debt is just brilliant 🤩
Great message Kirsty, I’m amazed that you did it. Means I can do it too. 💪This is my first year living in a new place and I just realized I spent lots of my income for buying things that I don’t really need. I glad that I saw your video before 2022. This will be my 2022 goal.
Good luck!
I just found your video! I have set myself a goal of no spending every other month this year and in the alternate “spend” months it will be based on my budgeted allowance! My allowance will be cash only so if I find something that I really want that is bigger than what I have in my cash envelope, I will have to save for it!!
Sounds like a great plan Delia - good luck!
Thankyou for this inspiration for 2022 and beyond. I have some planning to do but this makes me feel motivated to Want! To save. I want to start by consolidating what I have (as in personal items at home across categories like furniture, makeup and clothing to then sell off or donate what I don’t need ( or fit into etc ). I think having a goal is important to keep you focussed. After coming through the last few years of ill health, I want to focus on my wellbeing in many areas to increase my enjoyment of life. Apart from food and personal care items, I don’t need for any extras. I want to start my own small business with minimal overheads that I can run from home, and extra savings will come in handy.
Have a great year ahead, hope you keep healthy and safe. Philippa 💐
What a great goal - a little business of your own! Good luck with it all Philippa! X
Need to do that for sure … you hit nail on the head! Shopping does not solve the problem… I’m going on 8 mos sober . So I know this to well .. thank you for your video 🥰👍🏼
Congratulations that’s awesome! That’s for watching 😊
Good for you! Great job! I am thinking of going low buy in 2022 because my craft room is running out of storage space and I cannot possibly make all the projects I already have on tap! Another thing I would highly recommend, once the pandemic issues clear and you feel more secure in your job is investing in your retirement. My husband (of 40 years now) started me investing in IRA’s in my late 20’s and WOW! What a difference compound interest makes on your future.
I agree, compound interest is amazing. It’s a shame that in the U.K. interest rates have been so low on savings for over a decade now. It’s promoted lending (because it’s ‘cheap money’) and saving or investing has fallen out of favour.
@@KirstyKirby Yes, the powers that be appear to want to keep people in debt, don’t they? However, the mutual funds our IRA’s are invested in over time have beat bank interest rates consistently and significantly. The down side is you can’t touch the money until retirement. Something to consider. You are on the right track...saving is better than borrowing every day.
I'm not exactly planning on making 2022 a no buy year as it is the year of my wedding -- but I plan on doing the closest thing to one that I can under the circumstances! Thanks for this video.
Totally understandable. I don’t think I could be as extreme as this constantly! Since then I’ve managed to stay on a ‘low buy’ where I try to only buy things I truly want or need which has worked well.
Thanks for watching and congratulations!! X
Take the ridiculous sum of money you would spend on your wedding and save it for something lasting like a house down payment. The wedding rip off industry is a well oiled machine and not in your best interest. I made my own wedding cake with real top quality ingredients for $40! Bakery wanted $800 for a very simple cake. I carried a lovely bouquet of flowers bought from grocery store Trader Joe's for $14. Florist wanted $160 for one bouquet. My dress was $200 because I'm not that picky. He wore a suit he already owned. Etc. It was a lovely, awesome event that didn't break the bank.
When you stop buying all the rubbish you dont need you appreciate what you have and actually use all of your clothes. That in itself makes you feel good.
So true! One thing the no buy has taught me is I would rather have one or two things I really love (even if more expensive) than lots of cheaper things that are never really used - or worse sent to the charity shop with tags on!
COVID was an excellent reason to never eat out or purchase anything new ever again! I now work from home, so no need for an expensive wardrobe. I never go out anymore, so the savings has been astronomical. Will keep doing this the rest of my life.
It’s certainly been a silver lining in this horrible period of history. I worked from home too and it really does alter your perception on what is needed. Great to hear you have managed to save so much
Hi! I did not buy long time ago for 6 months . At the beginning was very hard but at the end of the 6 months I saved a lot we did home improvement and felt so good. Thanks for sharing .
Really interesting video and thank you for sharing your story. Fortunately, I was brought up to work hard and save and practiced this advice by paper rounds, Saturday jobs etc from an early age. I then worked hard in subsequent jobs, working overtime when available and put a lot of money into overpaying the mortgage which along with support from parents put me in a position to fund commercial pilot training, something that was a dream as a child. What is interesting is not just how much money you can save by following the steps you point out but also how much better it feels than wasting money on those little purchases that really mount up and hold you back on the long term.
Thanks again for sharing.
Doing without builds great character and discipline!🌺
It does. I wouldn’t recommend as a permanent way of life (unless someone wanted to of course) but my shopping habits have changed completely since the experience, even a year on.
Hi Kirsty
Happy belated Christmas from Singapore!
I like to hear No Buying for A Year from you. It's like giving ourselves a break from relentless material want, which shoved to our faces by fast fashion, malls, media, all business in general. I switched job from corporate to Medical Frontliners, which requires me to wear nurse uniform & full set of PPE. That also makes me go to bare mode. No makeup, no jewelery, no heels. I also eat at hospital canteen, which is heavily subsided. I just spend money on my family meals & groceries. Guess how much I saved for a year? 70% of my net salary.
Good job Kristy! Keep it up 🙏
Wow 70% is amazing! Well done!
I’ve have been cleaning out my house, it’s surprising to see how much junk I have purchased through out the years of things I didn’t need. I will am currently pregnant and I can’t say I won’t buy anything for a year which will be difficult but I will try to buy the minimal and second hand for the big expensive things like crib and stroller.
Yes decluttering is indeed enlightening. Congratulations on your pregnancy!
Just think about how previous generations of women did babies. Washcloth "diaper wipes". Cloth diapers. Breast feed. Puree home cooked food. Lay mattress on floor when baby is too big for laundry basket basinet. Simple baby clothes bought used. Baby bath in kitchen sink. Americans now overspend on babies to such a shockingly obscene level. Don't get caught up in baby rat race.
I definitely need to do a NO BUY!!!! I have been a hoarder for years. Spend mostly on makekup and clothes but now that I have seen your video I can honestly say that I have a shopping problem!!! I hope to overcome this.
Good luck if you decide to give it a go. I found it really helped me address some of my bad shopping habits and thankfully I’ve never returned to them. X
I have never done a no buy year. After hearing your story, I am convinced that it is needed. Thank you for sharing your story. I look forward to the coming new year knowing that all things happen for a reason. Way to go and Congrats!👌👌
Thank you for watching! I only intended to do a few months at first, but over time I stuck with it. Now I’ve found so many side benefits and it’s really changed my relationship with shopping and ‘things’. Good luck if you decide to give it a go!
Great and interesting video - Thanks Kirsty! I am going to do this this year. I have noticed I spend when anxious/unhappy/bored etc, and end up with stuff I do not need at all.
Good luck! Yes I think a lot of people probably shop as a distraction from things so you are not alone.
Ooooo....I didn't know this was a thing and just started a "I got food at home!!" plan. I'm in for a low buy for 2022! PS I do have home and car items on the list but should be less painful with the savings!
Hey a low buy is a great start! I did a low buy for a long time before jumping into a no buy, and went back to a low buy after. Good luck with it :)
@@KirstyKirby Thank you! My grocery bill has no business being as high or as frequent as it is! I need to eat up my multiples. I opened the cabinet and grabbed some canned tuna and brought out the oatmeal. Happy holidays!
I loved your video and will start to set a goal by making 2022 is a no buy year for me .. I have spent a fortune shopping in 2021/ 2021 .
I love all my items but it is a deniable fact that saving is a must for all the valid reasons you mentioned
Good luck! It’s not easy at first but gets easier as you go along.
@@KirstyKirby will try my best
I never had a strong shopping impulse and especially shopping for clothes is something I do not enjoy. Also I do not like much decoration or nicknack. I like to cook myself and do not often eat out. So a no-buy is not really necessary. But I'm going to track my expenses this year anyhow to see how much money I really need. Maybe have a look if some insurances could be cheaper.
I love having my fund giving me the possibility to walk away from a job if I would want to and the freedom to change things in my life which need money if needed. It gives so much rest and security.
So well done! Happy for your achievment 😊
I wasn’t really someone who spent lavishly prior or was in debt, I just wanted to save the maximum possible - no buy was a vehicle not particularly a necessity (although the U.K. housing market is insane so extreme frugality is a necessity for many to be able to buy a home). I was however shocked how much I managed to save when I put strict limits on myself. Really opened my eyes to money drains. I utilised my savings to walk away from a job that wasn’t serving me last year and I’m incredibly grateful that the things I walked away from gave me the wealth to be able to do so. Good luck with your tracking 😊
You speak wise words!!! Husband and I and daughter have Monzo bank accounts where you have different “pots”‘to put money in! It’s fabulous as you can see how all the small amounts add up. I’m going to do a no-spend 6 months to trial this - really excited and will feed back! Huge thanks! 🙏 💕
Thanks for watching!