Who/what blew your mind the most in this video? What are your thoughts on girl math and this video? Did it give you a headache too? Also what percent is you phone 🔋 on? I'm on 73% it's 11 p.m. 😎
I have so many thoughts - but i just wanna say your videos rule, they are eye opening i grew up in peru with no financial education now making mistakes in my 30s here in the USA i want to get better - and seeing this helps immensely ofc your commentary adds invaluable learnings too! but damn seeing those tiktoks... i have no words
That is what I don't get, do they just like insulting themselves? Like if I call you stupid, will you get offended? Why though? Ain't that exactly what you are trying to be? It's also doing miles to discredit any person cursed with female parts who claims to struggle with money... I don't have money, not because I am overconsuning cosmetics, but because getting an entry job is like finding a needle in a haystack in my city.
I literally suck with money, but I don’t buy any of this shit. Just forget to pay my electric for 2 months because adhd brain. All of this stuff is just weird 😂 my to do lists have real stuff on them and I still forget.
If you guys want a psychological reason for this, it's because it removes responsibility. If you blame "girl math" you are essentially blaming your gender and femininity for doing this, instead of yourself. So it makes the issue feel beyond your ability to fix. A guy version would be buying stuff advertised as making you "more of a man", like expensive cars and get rich quick schemes.
Fun fashion tip: just get one black dress that makes everyone look twice. That's what I do and I get multiple compliments from the same people every year.
Remember those old timey coupon shows where sahms got $1000 of groceries for $0.92? That was girl math. Them girls made grocery stores change their coupon policies! These “girl math” girls are just making financiers even richer.
The show was called "Extreme Couponing," and it's the reason that coupons have to have that note about not being valid with other offers. Too much abuse came after that show and now coupons kinda suck
I once walked into a Sephora to buy my favorite lipstick. I was willing to pay full price for it, but at the cash wrap, I was told it was half off. THAT time I was fully cognizant of the discount...and BOY was that a good day.
My own “girl math” is if I resist the temptation to order takeout/buy something/spend needlessly, then I transfer that exact amount to my savings account and “spend” it that way
@@LPno.9Technically, but one was in a joking manner about their questionable financial choices and one is trying to break it down into how its actually a smart thing
This! I said the same thing on her other video. It started as a JOKE. So they are literally a joke trying to legitimately justify their purchase in this way.
Rage bait but also feeds into their delusion. And allows them to feel better about it since some of them are making money off of talking about it through their socials.
I agree because I get where you’re coming from, but my first thought when I read this was, “I was never that dumb, even when I was a young girl getting pocket money”. My parents fortunately did me a huge favour by teaching me about money management from as young as six. Even little tricks like my dad giving me pocket money (in coins), me saying, “thank you!” and then him saying, “do you want to count it to check it’s all there?” I’d then discover he’d short-changed me by 30 cents or something and say, “hey! Where’s the rest?”
We all know the US school system does no good for teaching personal finance management. You have to either be fortunate as be born with parents with good personal finance skills who teach you, or have a relative or family friend who teaches you, or have the ability to learn it yourself early enough in life before you’ve absolutely obliterated your own finances. It’s unfortunately a privilege to be knowledgeable in personal finance. It’s not a s simple as stupid vs smart. Lots of smart people are very fucking dumb with their money because they never learned how to manage it. Impulse control also plays a large part in spending habits.
@@Kyiecutie Absolutely! It’s the same with the education system in Australia. You’re also very correct in saying that being smart doesn’t necessarily mean you’ll be good with your finances. I’ll go a step further and say that even if you are smart AND have the privilege of parental guidance in financial literacy during your upbringing, it doesn’t necessarily mean you’ll be able to manage well. A perfect example would be my two half-brothers (they’re about 20 years older than me and had the same dad as I did). Both are INCREDIBLY intelligent academically and in other ways. One is a multi millionaire. My other brother? He literally asked me in March if I could micromanage what little was left of his money so that he wouldn’t spend every last dollar on his alcohol addiction. I should also point out that once he’s been drinking, his spending on things like Uber and takeaway deliveries etc. goes out of control. He knows perfectly well IN THEORY how to budget and has even written one up on an Excel spreadsheet that he wants me to help him follow, but in order for him to do this I pretty much have to manage every dollar he spends. For example, just in order to help him keep to his grocery shopping budget, we have to do the following: - he logs onto his online Coles account, adds what he wants/needs to his cart, then adjusts it the best he can to fit to his budget - he lets me know via email that he’s done and if he’s gone over budget, we FaceTime so we can brainstorm to see if there’s any changes he could make to bring the total cost down - he picks the time he wants it delivered and finalises the order - I then log in to his account just to change his password so he can’t access it and IMPULSIVELY add things to his order up until the day before delivery, a habit which has caused him to overspend in the past - me changing the password also prevents him from impulsively ordering anything from Coles until he’s next due to do a grocery shop. If he needs something like bread or milk in the meantime, I transfer him that amount of cash so he can get it at the store. - rinse and repeat. Myself and my two half-brothers had the same dad who was very wise financially and, in my opinion, taught his children about finances better than the average parent did at the time. The half-brother I’m currently helping is a University lecturer in political science and has almost completed his PhD, so definitely not “dumb” like I mentioned in my last comment. Weird how our brains work, hey?
@@Kyiecutie thank you for saying this. In addition, if anyone is in highschool or middle school you should take home economics. This class actually teaches you personal financing skills that will be needed in adulthood. ❤
I’m a gen Z woman who works in finance & I’m absolutely astounded constantly by my generation’s perception of how money works. Especially once I started seeing this girl math trend! Your take was super refreshing because this is how I see the world too. At 23, I have a brokerage account, 401k, and 6 months living expenses saved up through making sacrifices & good financial choices. I try to encourage other young women I meet to do the same. It’s sad that TikTok & the education system is failing so many of us :(
We need more people like you in this world, that’s for sure. You could use your own channel on here to further spread that message out to people. I make mostly gaming content on mine but I’ll do random videos from time to time and seeing so many of these videos on here, I might consider making some financial advice videos every once in a while myself.
Have you thought about starting a blog about money and finances? Thats how you can encourage many women to be more smart and efficient, when it comes to money
I dated a really shallow girl who would always bad mouth people who bought clothing from the thrift store. Little did she know ALL my clothes were bought at thrift stores.
I bought shoes at a thrift store about 7 months ago for about $11 that got wet MULTIPLE times and STILL didn't stink. 😀 I bought shoes for about $18 at Walmart that got wet during a SINGLE rain shower and STUNK so bad I had to throw them out just FOUR days after buying them! ☢️
Girl maths is personally one of the most offensive things I’ve heard, especially infuriating since it’s coming from other women🤣 like don’t lump me in with your irresponsible spendings habits, do that by yourself!
@@vminhope3040 it really is highschool stuff, i dropped out sophmore year and by the time i was 18-19 i was out of the mindset so many people get into during school and then collage rolls around and makes them think the adult world is also like that. insane
When I was unemployed and I received food stamps, my family members had this ideation about food stamps. Like it’s not cash sooo, it’s free. No it’s a resource that I have to use to “not be a burden on my immediate family”. It’s not for me to buy you groceries because I have free grocery money. People are ridiculous.
People are ridiculous. A guy won the Lottery and he went to a Restaurant to have a nice meal for just HIMSELF and EVERYBODY else(EVERYBODY else was a complete Stranger) in that Restaurant TOLD HIM to pay for their meals just because he won the Lottery. The guy felt harassed. ☢️
Most of it is purposeful 😭 you get more attention online when you share the most messy, controversial thoughts you have. Complex thought is rewarded with a "im not reading all that".
It’s a very infantilizing mindset. It was meant to be a funny joke that I agreed with, now it’s being used as an excuse to be financially irresponsible. We too damn old. The girls in these vids look GROWN GROWN like Bffr.
That’s exactly what I said. At first it was funny and I should relate, but now they are just sounding stupid and dragging down the rest of us women by saying “girl math”.
I think it's turned into kind of a flex. Joking about your fiscal irresponsibility proves that you have enough money (or at least people around you do) that you can make mistakes and pay no mind to the consequences.
As someone from Europe it always baffles me that people in the US never factor in the Tax when talking about how much something costs. Over here the Tax/Vat is already included in the price when we go and buy stuff.
Its because the sales tax rate is different state to state. Pay 5% in one store, drive a mile across a boarder and get hit with a tax free state. @ghoulchan7525
@@ghoulchan7525 It's because tax rates differ depending on your municipality. I'm in louisiana and there is a parish near me with 18 different tax rates. Big businesses wouldn't be able to keep up with price changes properly. It truly is easier for us to just know the tax rate where we do the most purchasing.
It’s the same thing in Australia but even worse, every single item is 7.99, 9.99 etc. and in australia we round to the nearest 5 cents so it’s literally just 8 or 10 dollars and people still fall for it.
@ghoulchan7525 we don't even have identical tax rates across counties, much less states. I can buy something at the store by my house and pay one rate, or go 5 miles and pay a different rate.
Girl, this is my first time seeing one of your videos and I gotta say: I'm in love with your mentality on all this over consumption. My dad always wore cloths with holes in them, drove beat up cars, never bought flashy/useless things.. I remember being 8 and asking him if we were poor. He just went and brought back stacks I mean literal towers of money. He told me he didn't care what people thought of him. No one needed to know his financial situation. No target on his or family's back. That marked me then and there. Fuck what other people think. Long story short, I appreciate the realness in your video. Wish more people knew that being materialistic isn't a flex and isn't cute. It's literally destroying our planet. Anyways, thanks for coming to my Tedtalk 😂
I used to love shopping with a specific friend who shopped for fun because everytime she wanted to buy something I told her it was ugly or she didn't need it. We left with nothing and enjoyed picking on eachother (lovingly 😂).
I was very wrong about what girl mat is. I thought girl math was, I have $1500 but I have a $300 bill coming up. So I actually only have $1200, even if I haven’t paid the bill yet
This is how I think frfr 😂 I estimate how much money I have, then the bills, subtract, then see how much money I’ll have for other things like food and gas. Then I try to see if I’ll have money to buy that one item I want, and if not then I just forget about it.
@@thecroc If you were gonna buy it on full price anyway then it's 100% saving money If you were considering it before buying on sale then it's 80% of saving money If you weren't considering it and bought it because of the sale then it's a 50/50% toss of the coin whether you used that and saved money or not.
@@DeadDancersHobby Lobby is like egregiously bad about this. Like they are constantly running 40% off sales to make it look like you’re getting a deal on your Live, Laugh, Love signs and stuff but that’s just the MSRP without the crazy markups
Yeah exactely, like when there is a "a buy 4 get the 5th for free" on socks or panties: I came to buy 2, but I will wear all 5 of them until they are unusable anyway so it's actually a deal
I'm a stylist in a clothing store. I teach women how to dress, which means I also teach them how to shop, which means they buy a small capsule wardrobe where everything coordinates. If you don't wear things more than once, you are terrible at shopping and likely have no style.
I forget where I heard this, but a long time ago some comedian or some guy on TV talked about how he carried his money in the rubber band from a head of broccoli. That $4,000 purse looked like a regular old purse. I’m sure it was good quality, but $4k quality? No. It would need to do more than carry things to justify that price point.
I am so with the woman who said that her savings account money does not exist. That is exactly my attitude. Once it's in the savings account, it's gone. It's spent. That's a black hole. I actually have two savings accounts to mentally divide my money into "short term savings" which has a cap and "long term savings" which in my mind has no cap but realistically I'll probably start putting excess cash into investments at some point. I can pull the money out of the short term savings account for extremely specific purposes: paying for vet bills, car repairs, minor emergencies, and trips, then it has to be topped off again ASAP. Any money I take out of that account I call "a loan from myself" and I take paying it back as seriously as any other debt. The long term savings is the down payment and major emergency savings. I dump money in there when the short term savings account is filled. This has worked very well for me. I wouldn't say I have a spending problem since I have always had excess money to save, but I do like to buy crap I don't need, and shoveling money into savings accounts so it dies is the best way for me to avoid a spending habit creep situation.
the sale thing pisses me off OMG my mom almost spent our entire savings in the 08 recession compulsively buying random things we didn't need just because they were on sale 💀
A man and his Wife had a similar argument. His Wife was PROUD of the fact that she bought things on sale saying,"I saved money by buying these items on sale! He responded,"You LOST money because you BOUGHT the items!" You shouldn't have bought these items in the first place!" 💡
Their afraid of looking broke to their friends that they don't like anyway. It's about imag and looking like you can afford more clothes. It's so dumb.
legit my mother died in poverty because of her shopping addiction - yes, she had nice things during her prime but towards the end of her life she could barely afford groceries and expected others to cover because of her "GIRL MATH" of course the term didn't exist back them - but she did the same mental gymnastics in order to justify her lack of care towards finance and her shopping additiction... it's so sad and horrendous. it's my worst fear to end up like that - dumb and broke til deathbead goddamn
My coworker said her husband and her were so in debt because they loved the casino.I don't know if she still is in debt but given how her point was that she wants to "enjoy all her money", Idk. At least at one point, she was a believer of "girl math'
If it was a necessary home repair, and buying the tool allowed you to be able to do a quality job without hiring a pro for less, the tool kinda was "free," AND you saved money on the repair! My woodworking hobby equipment will even have been effectively "free" once I get around to building the new cabinets for my kitchen, which will happen soon...ish...🙃
I don’t know if they’re still doing it today, but some luxury brands would BURN the items they couldn’t sell before they release a new collection. They do that so that the brand doesn’t get devalued by having items sold on sale.
On the gift card topic: I do think they can actually be useful budgeting tools. I have a cousin who LOVES Starbucks, and when she was in college it was hard for her to make sure she kept that at an affordable level. So she figured out the amount she could spend each month and put that on a gift card. Once the gift card was empty, she couldn’t buy any more Starbucks until the next month. It really helped her curb overspending, and I think that if you’re disciplined about not using anything besides that gift card it can help keep you within your budget
@@naomivought9317 Agree! She figured out some pretty clever budgeting tricks, but the gift card was my favorite she used. I’ve definitely used it a few times on places that I really love going to, and it’s really helpful
I used to work in check cashing and the company started buying gift cards, keeping a percentage of the value....sometimes upwards of 40% . Some of these were target and grocery and I would be baffled....all to have cash in pocket. I even asked one woman "why don't you use this as part of your grocery bill while retaining the full value? I was met with a blank stare.
“Girl math” pisses me OFF. Our female predecessors would be pissed. Elizabeth Cady Stanton, Harriet Tubman, our foremothers did NOT work this hard for us to act like this.
no way in hell this would make the foremothers proud. They weren't silenced, beaten, and starved, for their decedents to financially trap themselves in the system they were trying to outgrow!
Do you remember having friends at school that played around all day being the class clown and then when exam time came, they pulled out all A's? In the meantime they got you to play around with them and then you barely passed? This is how I view a lot of these people. They post these things online and make you think its ok to think like that but behind the scenes they are making money and saving it and youll be going broke.
Videos like these make me grateful for my dad who forced me to go with him when he needed to do something on a bank, on the car, to dispute for a discount that was not applied, etc. He would just start talking about the logic of what he was doing and, as a kid I (of course) found it soo boring, but as an adult I just can't comprehend that people don't know things that I considered "obvious" Dd, thank you very much
You are so major girl. I honestly want you to thank your parents. I don’t know your story but someone had to have helped you achieve this very mature level of intelligence that you have because you can’t be over 22 right? Thank you for putting the stuff out there. I’m literally gonna binge watch every video that you have because you make so much sense and I’m almost 40.
Thank you so much for your loving support! I appreciate you. I just got off the phone with my mom, she will be happy to hear what you said. Also I am 31 💓 so I appreciate your kind words!!
I’m 32 and finally did a closet purge of my high school clothes. If I like how something looks or feels, I will wear it until I can’t wear it anymore. I never considered how many times my outfit has been photographed. Wtf.
The problem is that they're curating an image for other people on social media. They care what other people think. I'm grateful just to have clothes that aren't stained or ripped.
So true! As someone who came from a really poor background I'm still baffled by people who buys clothes every week, like, what? We used our clothes until they were unusable, and sometimes it was still used after that as cleaning rags lol
@@mayy3307I still wear stuff from middle school cause I didn't get much taller between then and now, my folks never had enough to buy that much clothing for me
Yeah this is actually scary bc it shows 2 things. That womens mental health is generally doing worse and that corporations via influencers and social media are taking full advantage of that dact
My rule of thumb for free shipping is that if the remaining threshold to get free shipping is less than paying shipping outright, I'll try to find something I can use that *just* gets me over the threshold. Otherwise I just pay the shipping.
the funny thing is that I first heard about this concept was from the 1947 movie “Life with Father”. The wife returned a “Pug-Dog” statue for something her son wanted, and claimed that it cost her husband nothing because she had returned the “Pug-Dog”. The man went in circles with her trying to explain that this isn’t how finances work, but eventually conceded defeat because she absolutely could not see where her logic was flawed! My family has always referred to it as “Pug-Dog” math; I’ve only fairly recently heard it called “Girl-Math”! 😄
Thanks for including the last three videos. I'm a woman in STEM and it's hard enough to be taken seriously for work I'm qualified to do, those "girl math" videos reinforces harmful stereotypes. I don't associate with women who think ideas like "girl math" are funny.
Yeah I feel that. I'm a software developer and I had to do quite a lot of maths in university and the things people said to me was crazy. One guy even suggested that I'm only good at math and only interested in tech because I have brothers.
Thanks for making this video! I agree that this is harmful for the financial independence of women. Learn how to budget, just bc your parents didn’t teach you how doesn’t excuse responsibility.
It's so frustrating to have a group of women openly reinforce negative stereotypes about women. Like there are sexist stereotypes that women love shopping and are bad at math and all of a sudden everyone is saying that that's completely correct and okay
So true what you said about people trying so hard to prove that they’re wealthy or well off in order to impress others smh. Like why?? We know you broke for real.
I enjoy your videos because you use the sense you have. To those who spend a lot of money on coffee… Buy a coffee machine for less than $30, if you prefer to ground your coffee buy a grinder $15, and buy bags of coffee from $6-$10 which will save a ton of money. Also, if you buy your bags of coffee on sale that’s a deal. MATH MATH
Another Poster said something like," Past Women who got beaten and jailed for trying to get Women's rights like the rights to make their OWN money would be ashamed of the Women using "Girl math," today. Past Women didn't go through all that trouble just to have Women of today INTENTIONALLY throwing their money away like this. 💡🤔
Im too poor for this type of girl math. My math is going to walmart and adding 3-4 dolllars on each indiviual item so that i make sure i have enough for the tax at the end and dont go over my budget.
i had to come to this video cause i recently realized how bad my girl math mindset is 😭 i know full well that if i buy something using my cash app card IM STILL SPENDING MONEY but the excuses in me like to say "it never reached my account so i didn't spend anything"... girl math is really just an excuse to not make myself feel bad for spending money but at this point maybe i need to feel bad sometimes 😭 i forget that it's okay to genuinely treat myself occasionally and i don't have to spend under the false pretense of girl math
Hey hey! Came across your channel recently and I love your content! Tell the truth and shame the devil. 😂 When it comes to clothes?!? I'm gonna wear it again! Whether it was on social media or I wore it to a wedding or not!!! I JUST wore a dress last weekend to an event that I wore to a party like 2 or 3 years ago. I actually love wearing stuff that I've had for a while and get compliments on them. Also, it lessens the likelihood that I'll be wearing the same thing that I have on because I've had it for 5 years. 🤣 And when you have swag, you can switch it up (wear different shoes, accessories, and even a different hairstyle) and give it a whole different look. 💁🏽♀️ Also, using things like Affirm and Klarna, when used appropriately, can help build your credit. So they aren't all bad. You probably paid $25 today, but Sis, you're still paying $100. 😂 Actually, probably 2% more for fees. As far as the handbags? Depending on what it is, it actually could be an investment. SOME of them do appreciate in value over time, but it's usually a LONG TIME from the time of purchase. Still not a good idea if you can't afford it at the time. I had to come back and add that that a gift card that you put money on doesn't make it free. 🤦🏽♀️🤦🏽♀️🤦🏽♀️ If it was an actual gift from someone else, yes... it's free. Where is the logic coming from?!? 🤣🤣🤣
just the fact that it's called "girl math" annoys me so much. why are women willingly infantilizing themselves in the name of self indulgence and DEBT 😫😫😫
Yeees!!! Starbucks is junk food! Make your own coffee. Thrift stores so often have coffee making tools for cheaper than a single latte. Or just drink delicious, regular-ass coffee! ☕ If you're out and using your own travel mug, folks don't know if you bought it or made it, anyway!
I still have my gift card from last year. I usually treat myself during the fall and winter with the gift cards. I don't like their coffee as I like the one I make at home.
Buying clothes to take pictures for Instagram and not wearing them again while the owner of Instagram. Wear's the same clothes in the same colors. Is wild what a world we live in 😂
This video is shorter and it explains it better. th-cam.com/video/wCu94YcZHiE/w-d-xo.htmlsi=AW2mhLWBOPP6yYD8 it’s so funny his channel is called hoe_math
OMG! I just came across your channel and I swear we are sisters, lol! My biological sister told me about this "Girl Math" (BECAUSE SHE CAN RELATE!!!) and I literally told her it's not girl math it's NOT knowing math and simply lying to yourself about buying s**t! My younger sister and I our less than 2 years apart in age and I am debt free and retired and she's WAY TOO FAR IN DEBT to ever retire. I doubt she will ever get her finances together at this point. So sad. Great video. I subscribed too!:-) Totally subscribed to your channel.
This video made me return a $10 skin in a game. An outfit in a GAME, it doesn’t get more useless than that. Love your videos they’re great saving motivation
@@krayozminesI think if you explained you REALLY shouldn't have bought the item, you can return it with no problem. I bought an item for a game and HAD the money at the time, but then a forgotten about payment came through later that day and I was now OVERDRAWN. I immediately returned the item stating I had the money at the time for the item but was now OVERDRAWN due to another payment going through. Since it was the SAME day I was able to get a full refund. 💡It would have been a completely different story had it been say a week later when I asked for a refund. 💡
As a woman, this just... Is insane to me. Like, the girl at 9:26 really has the nerve to say "let's confuse the guys even more with girl math" of course they're confused, you are literally delusional. The math is not math, it's delusion. Money spent is money spent, doesn't matter how you twist it.
Hold on.. i thought we were doing girl math as a joke.. like mine is if i was gonna spend 30 on uber eats but i bought food at the grocery store for $15 then i "made" $15. Are people seriously ruining their lives in the name of girl math?
this is basically what i thought! i though it was a silly jokey way to praise ourselves for making good decisions (like yours), not justifying bad decisions. that’s how i was using it lol
Another Poster thought something similar, "I thought Girl math was,"I have $1,500, but my utilities bill is $300, so I ACTUALLY have $1,200, not $1,500. You know, common sense and rational and logical thinking. What Girl math ACTUALLY is is just plain stupidity." Another Poster replied something like,"Your $1,500/$1,200 is also what I thought Girl math was at first too." 💡
I went on an Hermes deep dive a while back out of disgust and Birkin cost varies by style and leather type. The most basic ones start at $10k, but the special editions can go from $300k to $2,000,000. Yes, TWO MILLION. For a purse. But the most offensive part is even if you buy the 'cheapest' Birkin, you still have to spend thousands more on other Hermes stuff before they'll _allow_ you to buy a Birkin. You have to shop there for a while buying trinkets and leather goods, shoes, etc, you have to dress nice and befriend a sales associate, and after a year or so- if you've done everything right and are the type of person they want to be seen carrying one- you might get lucky enough for your SA to offer you the chance to buy a Birkin. Google "Hermes journey" if you want to be enraged lol. I would never give this company a cent of my money, Birkins look like suitcases to me anyway and I genuinely don't get the hype.
I love you thank you for exposing this BS. I’m a girl, and I feel bad to admit that I kind of have this same kind of mindset. However, I rarely go through with my thinking. I save around 80% of my pay check and buy the cheapest things possible. Most of my money is going towards my education and groceries, I haven’t bought myself anything in ages, even though I can relate to some of this thinking in the video
My boss’ 19 year old son called her a couple weeks ago and asked her what happens if you open a credit card, buy stuff, and never intend to pay it back 😂😭 what are schools teaching these kids? Parents, take it on yourself to teach your child finances.
I got married in November in a little micro wedding (10 guests for legal ceremony and sit down dinner then another 15 friends for drinks) and brought an 80% off reduced satin baby blue dress for less than £30 (
They will blame everything on inflation. I say, no, your ass been broke. My parents and grandparents raised kids in an under 1000 sq ft house, had one car bought used, drove to the lake to swim for vacation, and the kids wore handmedowns. Stop letting people tell you the American dream is over. It is alive and well for people that are willing to live within there means. Hyper materialism was never the dream.
Can i just say i ADORE your channel!!! Youre delivering messages that are VERY needed in this day and age and adressing it with no nonsense and ita super refreshing. This generation needs some guidance and reality checks. Youre a blessing to youtube
This video has reminded me that I need to teach my kids about budgeting, scams, how sales work, etc. this week! It was on my list of To Do, but I've moved it up on the list before it gets too late.
Well as a girl I'm insulted! This is idiot math! So stupid, returning clothes is not making money and Starbucks is a waste of your money if you barely have any! Cash is money and not free, wtf! Also, I have a little black dress that I have worn to dozens of occasions and it always gets compliments and cost me $1.00 at a thrift store.
I got something for FREE during a gift giveaway and "Returned," that item at a store for store credit, so I did do a "Free," return. I bragged about this on a Website and I got ragged and dragged for "Returning," an item for store credit that I got for completely free and didn't buy at the store. ☢️ If these ladies in the videos were "Returning," items they got for free like I did, then I can see them saying they were getting extra value by getting store credit for something they got for free and never bought in the first place. But the way they did it, they are exactly even, not getting any extra value. 💡
And where the heck did this notion that “cash is free” come from??? It’s especially ironic when you think about how its said having the physical currency makes you more conscious about what you’re spending than if you’re swiping a card where you can’t actually see the money you’re spending. Completely agree with you about the headache.
It also confuses me how many people don't know how much they have in their bank account at any given time. Like you should be a hawk about that kind of thing
I hate "girl math" because it perpetuates that women cannot manage money. As a woman who is very careful with money, I hate it. Edit: I just got to 41:19 and even more yes! I went to university for engineering but now work in technology so even more yes
It perpetuates that women can't manage money? Women drive 70%+ of the spending in the economy.... Not everything is people attacking women.... Some of it is just the reality of the situation. Women spend.... Rob arnault is one of the top 3 richest men in the world, owning louis Vuitton for a reason. Lol.
please I beg these tik tokers... if they want to be 'cute' with the stupid math, at least call it something else.... don't name it 'girl math' because as a girl with common sense, I think this is insulting.
I hate that they're calling it girl math, they're sending us back a 100 years, I am a statistician and it's so triggering they call being dumb "girl math". Maybe call it delusional math!
37 years old and struggled for much of my life in poverty. Now I have stability, and I still A)reject 'luxury' brands (including overpriced, unnecessary make-up or anything that feels like a 'trend'. Trends don't last, its nonsense, people) B)mend my favorite pieces of clothing C)purchase secondhand or 'upcycled' clothing/jewelery D)make my food and 'fancy' drinks AT HOME (most 'fancy' drinks are made of simple ingredients, easily replicated at home!) I live happily, comfortably and healthfully without having to spend money on everything. And the tools I used to rise out of poverty will keep carrying me up. Girl math? Real bad joke, my friends. Don't encourage women to seek poverty through consumerism, people! It's a long road out. ❤
I still can’t get over the fact I could have bought half of my fence around my house for the bag that girl was carrying on her shoulder, or ripped out all the carpet in my house and redid my flooring, thats a new lawn mower! 😅 as a home owner me and my husband find ourselves changing the things we want into adult toys, that we will actually use.
i personally think girl math is an extreme coping mechanism to justify instant gratification and make themselves 'feel good' for spending that money they know they shouldnt. i know, ive done it too, not this extreme, but i've done it before. Like Afterpay, feel good now, feel bad later. And never do afterpay or any pay later service!! Great video Symone! hope people take a moment to really think about when they make all these purchases, since it really does add up, especially with this mentality. Spending money is spending money, regardless if you transfer it to a gift card, credit card, buy now pay later, cash or notlol
Please keep making these videos bc social media is so saturated with trying to get us to spend, that’s it’s refreshing to see someone actually making videos educating us about it all and keeping it entertaining !!
I told my friend I paid for my coilovers, sway bars and strut brace in cash and she literally said "so your car parts where free?" Um no I worked for a total of 80 hours to get those parts
Who/what blew your mind the most in this video? What are your thoughts on girl math and this video? Did it give you a headache too? Also what percent is you phone 🔋 on? I'm on 73% it's 11 p.m. 😎
The “that’s just extra money laying in my bank account”
I think it's a made-up term and being sold to us as an indulgence for mindless spending. Is there a boy math too? 😂
Apart from all the "girl math" it's calling everything "investing" like it's a synonym for spending money.
I have so many thoughts - but i just wanna say your videos rule, they are eye opening
i grew up in peru with no financial education now making mistakes in my 30s here in the USA
i want to get better - and seeing this helps immensely ofc your commentary adds invaluable learnings too! but damn seeing those tiktoks... i have no words
It's all wild! 63%, 5:19 PM. I like you, cause you're both funny and smart. Your laughter is contagious :D
Presenting yourself as incompetent or childish about money isn't cute. It insults your intelligence to do so.
That is what I don't get, do they just like insulting themselves?
Like if I call you stupid, will you get offended? Why though? Ain't that exactly what you are trying to be?
It's also doing miles to discredit any person cursed with female parts who claims to struggle with money...
I don't have money, not because I am overconsuning cosmetics, but because getting an entry job is like finding a needle in a haystack in my city.
Exactly, the way the pushing this girl math trend is ridiculous.
I literally suck with money, but I don’t buy any of this shit. Just forget to pay my electric for 2 months because adhd brain. All of this stuff is just weird 😂 my to do lists have real stuff on them and I still forget.
They think its cute, in reality it's such a turn off
If you guys want a psychological reason for this, it's because it removes responsibility. If you blame "girl math" you are essentially blaming your gender and femininity for doing this, instead of yourself. So it makes the issue feel beyond your ability to fix. A guy version would be buying stuff advertised as making you "more of a man", like expensive cars and get rich quick schemes.
the rounding down thing is crazy to me.... if i'm buying something that's $15.99 my brain goes "damn that's like $20"
Same!
Totally!!!! 👏🏼 I always round up!!! 👆🏼for self awareness 🙃
me too lol
I do the same exact thing!!! I round all the way up to give myself some cushion
I should start doing that and then moving the $4 into a savings account
when ur 65 y/o ready to cash out ur meager retirement fund nobody's gonna care that you never wore the same dress twice...
Ooop 😳 FOR THE PEOPLE IN THE BACK OF THE CLASS!
Exactly, financia literacy is a must.
LOL retirement fund!? People like that don’t have one😂
Fun fashion tip: just get one black dress that makes everyone look twice.
That's what I do and I get multiple compliments from the same people every year.
Exactly this! Nobody (worthwhile) cares now and nobody for sure will care when you're suffering later and unable to retire
Remember those old timey coupon shows where sahms got $1000 of groceries for $0.92? That was girl math. Them girls made grocery stores change their coupon policies! These “girl math” girls are just making financiers even richer.
Extreme Couponing
Doing their math live in the grocery store with a calculator and binder of coupons is nuts. Doing it while corralling 3 kids is mom level.
what? nO
what show?
The show was called "Extreme Couponing," and it's the reason that coupons have to have that note about not being valid with other offers. Too much abuse came after that show and now coupons kinda suck
@@dwarvernbard9782
coupons SUCK ! 🚮
The “I don’t rewear outfit girl” is in a VERY different tax bracket than me 😂
Even then it’s still money she didn’t have to spend. I think not repeating outfits is very silly.
@@es0516 she's absolutely
astoundingly G🤩RGEOUS
I can see how you're spr jelly
My girl math is filling up my Amazon cart at night, when I want things, and then waking up and deleting it because I never really wanted it.
Also never caring for how much discount is on an item. Only the current price of it matters not the % of discount.
same
I once walked into a Sephora to buy my favorite lipstick. I was willing to pay full price for it, but at the cash wrap, I was told it was half off. THAT time I was fully cognizant of the discount...and BOY was that a good day.
I make Amazon wish lists and a week or 2 later I delete most stuff 😂
YES! I made a rule that I couldn't buy anything at night, and it changed EVERYTHING.
My own “girl math” is if I resist the temptation to order takeout/buy something/spend needlessly, then I transfer that exact amount to my savings account and “spend” it that way
I LOVE THIS! 💕
This is brilliant. 💕
ooo smart!!! don't mind me stealing that idea hehe
I may steal this
Thank you for your service
We need ‘woman math’ where we learn to invest and save money
yes 😭
Absolutely 🤣
Good luck....hahaha
Graandma's math is using crisco as lotion cus just as good if not better, cheaper, and no weird smells that burn!
Wouldn't that be called "math"?
A sale is only a sale if it's something you planned on buying and then WAITED FOR IT TO GO ON SALE.
And saved for it and paid cash, if you bought it on credit you have negated it being ‘on sale’.
Me, everytime they talk: _"It's satire... It's gotta be satire... _*_RIGHT?!"_*
Wait, it isn't?
I sure AF hope so. But I have no doubt there are ppl out there who employ this type of perverse anti-logic to "justify" the utterly unjustifiable.
Girl math at first was like laughing at yourself for your money decisions, but now they're trying to justify being irresponsible with money
They both mean the same thing.
@@LPno.9 kinda yes, but it was used ironically but now doesn't look like it
@@LPno.9Technically, but one was in a joking manner about their questionable financial choices and one is trying to break it down into how its actually a smart thing
@EmphasisOnPBJ Still the same.
This! I said the same thing on her other video. It started as a JOKE. So they are literally a joke trying to legitimately justify their purchase in this way.
I can't decide if their girl math explanations are rage bait or if they are actually stupid.
MAYBE BOTH,, WHO KNOWS..BUT IT'S FUN TO SPEAK ON IT 😂
rage bait
Rage bait but also feeds into their delusion. And allows them to feel better about it since some of them are making money off of talking about it through their socials.
they’re jokes..
Imma say stupid
Girl math is called "girl" math for a reason, becuse a grown and mature woman doesnt subscribe to the stupidity of this insanity.
I agree because I get where you’re coming from, but my first thought when I read this was, “I was never that dumb, even when I was a young girl getting pocket money”.
My parents fortunately did me a huge favour by teaching me about money management from as young as six. Even little tricks like my dad giving me pocket money (in coins), me saying, “thank you!” and then him saying, “do you want to count it to check it’s all there?” I’d then discover he’d short-changed me by 30 cents or something and say, “hey! Where’s the rest?”
It's not even gender specific. This isn't girl math. This is financial illiteracy.
We all know the US school system does no good for teaching personal finance management. You have to either be fortunate as be born with parents with good personal finance skills who teach you, or have a relative or family friend who teaches you, or have the ability to learn it yourself early enough in life before you’ve absolutely obliterated your own finances. It’s unfortunately a privilege to be knowledgeable in personal finance. It’s not a s simple as stupid vs smart. Lots of smart people are very fucking dumb with their money because they never learned how to manage it. Impulse control also plays a large part in spending habits.
@@Kyiecutie Absolutely! It’s the same with the education system in Australia. You’re also very correct in saying that being smart doesn’t necessarily mean you’ll be good with your finances. I’ll go a step further and say that even if you are smart AND have the privilege of parental guidance in financial literacy during your upbringing, it doesn’t necessarily mean you’ll be able to manage well.
A perfect example would be my two half-brothers (they’re about 20 years older than me and had the same dad as I did). Both are INCREDIBLY intelligent academically and in other ways. One is a multi millionaire. My other brother? He literally asked me in March if I could micromanage what little was left of his money so that he wouldn’t spend every last dollar on his alcohol addiction. I should also point out that once he’s been drinking, his spending on things like Uber and takeaway deliveries etc. goes out of control.
He knows perfectly well IN THEORY how to budget and has even written one up on an Excel spreadsheet that he wants me to help him follow, but in order for him to do this I pretty much have to manage every dollar he spends.
For example, just in order to help him keep to his grocery shopping budget, we have to do the following:
- he logs onto his online Coles account, adds what he wants/needs to his cart, then adjusts it the best he can to fit to his budget
- he lets me know via email that he’s done and if he’s gone over budget, we FaceTime so we can brainstorm to see if there’s any changes he could make to bring the total cost down
- he picks the time he wants it delivered and finalises the order
- I then log in to his account just to change his password so he can’t access it and IMPULSIVELY add things to his order up until the day before delivery, a habit which has caused him to overspend in the past
- me changing the password also prevents him from impulsively ordering anything from Coles until he’s next due to do a grocery shop. If he needs something like bread or milk in the meantime, I transfer him that amount of cash so he can get it at the store.
- rinse and repeat.
Myself and my two half-brothers had the same dad who was very wise financially and, in my opinion, taught his children about finances better than the average parent did at the time. The half-brother I’m currently helping is a University lecturer in political science and has almost completed his PhD, so definitely not “dumb” like I mentioned in my last comment.
Weird how our brains work, hey?
@@Kyiecutie thank you for saying this. In addition, if anyone is in highschool or middle school you should take home economics. This class actually teaches you personal financing skills that will be needed in adulthood. ❤
I’m a gen Z woman who works in finance & I’m absolutely astounded constantly by my generation’s perception of how money works. Especially once I started seeing this girl math trend! Your take was super refreshing because this is how I see the world too. At 23, I have a brokerage account, 401k, and 6 months living expenses saved up through making sacrifices & good financial choices. I try to encourage other young women I meet to do the same. It’s sad that TikTok & the education system is failing so many of us :(
We need more people like you in this world, that’s for sure. You could use your own channel on here to further spread that message out to people.
I make mostly gaming content on mine but I’ll do random videos from time to time and seeing so many of these videos on here, I might consider making some financial advice videos every once in a while myself.
Have you thought about starting a blog about money and finances? Thats how you can encourage many women to be more smart and efficient, when it comes to money
Excellent job!!
I feel like some of the original posts had to be rage bait or even sarcasm yet it took off & too many girls took it seriously
I dated a really shallow girl who would always bad mouth people who bought clothing from the thrift store. Little did she know ALL my clothes were bought at thrift stores.
Good for you! And if you go to some thrift stores, you can get brand new clothing with the tags still on.
I bought shoes at a thrift store about 7 months ago for about $11 that got wet MULTIPLE times and STILL didn't stink. 😀 I bought shoes for about $18 at Walmart that got wet during a SINGLE rain shower and STUNK so bad I had to throw them out just FOUR days after buying them! ☢️
how much you wanna bet she shops at thrift stores now that it’s trendy? i hate people like this so bad
Girl math is when you have to sell your $10,000 bag (investment ) for $300.00 because you have no money for emergencies and you lost your job.
... and that bag was never worth $10k to begin with.
It's called a sugar baby investment.
exactly! how many of these ppl have $0 savings
Girl maths is personally one of the most offensive things I’ve heard, especially infuriating since it’s coming from other women🤣 like don’t lump me in with your irresponsible spendings habits, do that by yourself!
EXACTLY!!!
Its just a joke
It's not. People are actually following this nonsense. Just because they give it a stupid name doesn't make it a joke@@Jess-he9fc
@@Jess-he9fc yeah I bet daddy pays all your loans too
@@ProbablyGonelol nope i pay for my own stuff. Why are your panties in a twist over me pointing out that its just a joke?
I have literally never seen a normal person judge someone else because they wore the same outfit twice
That’s high school mindset.
Getting to 30s I’m proud of wearing something multiple times.
Less laundry, saves money.
@@vminhope3040 it really is highschool stuff, i dropped out sophmore year and by the time i was 18-19 i was out of the mindset so many people get into during school and then collage rolls around and makes them think the adult world is also like that. insane
I thought gen Z was all about going minimalist to save the planet. Have they lied to us ?
@@Laure__LineYes 😂
@Yourgurtisgood off topic but that pfp is hilarious
When I was unemployed and I received food stamps, my family members had this ideation about food stamps. Like it’s not cash sooo, it’s free. No it’s a resource that I have to use to “not be a burden on my immediate family”. It’s not for me to buy you groceries because I have free grocery money. People are ridiculous.
People are ridiculous. A guy won the Lottery and he went to a Restaurant to have a nice meal for just HIMSELF and EVERYBODY else(EVERYBODY else was a complete Stranger) in that Restaurant TOLD HIM to pay for their meals just because he won the Lottery. The guy felt harassed. ☢️
Your commentary has me cracking up 😂😂😂 “not she brung the unborn seed into the equation” 😂🤣💀
These chicks give manosphere channels a field day.
EXACTLY ✋️😭
Most of it is purposeful 😭 you get more attention online when you share the most messy, controversial thoughts you have. Complex thought is rewarded with a "im not reading all that".
True. The manosphere/MGTOW group and modern feminism are 2 sides of the same coin. Both are the problem.
I get what you are saying. If a woman is talking, it's enough fodder for them😂
Those poor sad fools
They Also gave dudes a reason to "Women ☕." Even in serious matters
It’s a very infantilizing mindset. It was meant to be a funny joke that I agreed with, now it’s being used as an excuse to be financially irresponsible. We too damn old. The girls in these vids look GROWN GROWN like Bffr.
That’s exactly what I said. At first it was funny and I should relate, but now they are just sounding stupid and dragging down the rest of us women by saying “girl math”.
Same but not literally
I think it's turned into kind of a flex. Joking about your fiscal irresponsibility proves that you have enough money (or at least people around you do) that you can make mistakes and pay no mind to the consequences.
I had a roommate who said something was $400. It was $499.99... 🤦🏾♀️ I was like, bruh, that's at least $550, including tax.
As someone from Europe it always baffles me that people in the US never factor in the Tax when talking about how much something costs.
Over here the Tax/Vat is already included in the price when we go and buy stuff.
Its because the sales tax rate is different state to state. Pay 5% in one store, drive a mile across a boarder and get hit with a tax free state. @ghoulchan7525
@@ghoulchan7525 It's because tax rates differ depending on your municipality. I'm in louisiana and there is a parish near me with 18 different tax rates. Big businesses wouldn't be able to keep up with price changes properly. It truly is easier for us to just know the tax rate where we do the most purchasing.
It’s the same thing in Australia but even worse, every single item is 7.99, 9.99 etc. and in australia we round to the nearest 5 cents so it’s literally just 8 or 10 dollars and people still fall for it.
@ghoulchan7525 we don't even have identical tax rates across counties, much less states. I can buy something at the store by my house and pay one rate, or go 5 miles and pay a different rate.
Girl, this is my first time seeing one of your videos and I gotta say: I'm in love with your mentality on all this over consumption.
My dad always wore cloths with holes in them, drove beat up cars, never bought flashy/useless things.. I remember being 8 and asking him if we were poor. He just went and brought back stacks I mean literal towers of money. He told me he didn't care what people thought of him. No one needed to know his financial situation. No target on his or family's back. That marked me then and there. Fuck what other people think.
Long story short, I appreciate the realness in your video. Wish more people knew that being materialistic isn't a flex and isn't cute. It's literally destroying our planet.
Anyways, thanks for coming to my Tedtalk 😂
I used to love shopping with a specific friend who shopped for fun because everytime she wanted to buy something I told her it was ugly or she didn't need it. We left with nothing and enjoyed picking on eachother (lovingly 😂).
I was very wrong about what girl mat is.
I thought girl math was, I have $1500 but I have a $300 bill coming up. So I actually only have $1200, even if I haven’t paid the bill yet
NOPE, You were doing MATH MATH 💕...GIRL MATH IS IRRATIONAL MATH 😂
Girl math used to be a joke until everyone rolled in with their real delulu takes 😭
This should be girl math!
This is how I think frfr 😂 I estimate how much money I have, then the bills, subtract, then see how much money I’ll have for other things like food and gas. Then I try to see if I’ll have money to buy that one item I want, and if not then I just forget about it.
naw cuz somehow these girls would twist it into saying they have $1,800 to spend actually 💀
Some of the best advice I ever got from my mom was “A sale is only a deal if you would have bought the item for full price anyway.”
Yupp. If you were going to get it anyway and you need it then a sale means saving money.
If you only bought it because it was on sale, you lost money.
@@thecroc If you were gonna buy it on full price anyway then it's 100% saving money
If you were considering it before buying on sale then it's 80% of saving money
If you weren't considering it and bought it because of the sale then it's a 50/50% toss of the coin whether you used that and saved money or not.
@@DeadDancersHobby Lobby is like egregiously bad about this. Like they are constantly running 40% off sales to make it look like you’re getting a deal on your Live, Laugh, Love signs and stuff but that’s just the MSRP without the crazy markups
Yeah exactely, like when there is a "a buy 4 get the 5th for free" on socks or panties: I came to buy 2, but I will wear all 5 of them until they are unusable anyway so it's actually a deal
I saw a man on IG that said he would rather carry $5,000 in a plastic bag then buy a $5,000 bag and only have $100 in my wallet.
I'm with him!
Me too. I think my last car cost 5k 😮. I could never imagine that kind of expense for something that will most sit and gain dust
This is a famous quote by Michelle Tanner from Full House
I'm a stylist in a clothing store. I teach women how to dress, which means I also teach them how to shop, which means they buy a small capsule wardrobe where everything coordinates.
If you don't wear things more than once, you are terrible at shopping and likely have no style.
I forget where I heard this, but a long time ago some comedian or some guy on TV talked about how he carried his money in the rubber band from a head of broccoli. That $4,000 purse looked like a regular old purse. I’m sure it was good quality, but $4k quality? No. It would need to do more than carry things to justify that price point.
I am so with the woman who said that her savings account money does not exist. That is exactly my attitude. Once it's in the savings account, it's gone. It's spent. That's a black hole. I actually have two savings accounts to mentally divide my money into "short term savings" which has a cap and "long term savings" which in my mind has no cap but realistically I'll probably start putting excess cash into investments at some point. I can pull the money out of the short term savings account for extremely specific purposes: paying for vet bills, car repairs, minor emergencies, and trips, then it has to be topped off again ASAP. Any money I take out of that account I call "a loan from myself" and I take paying it back as seriously as any other debt. The long term savings is the down payment and major emergency savings. I dump money in there when the short term savings account is filled. This has worked very well for me. I wouldn't say I have a spending problem since I have always had excess money to save, but I do like to buy crap I don't need, and shoveling money into savings accounts so it dies is the best way for me to avoid a spending habit creep situation.
Borrowing this short term savings strategy, thank you.
the sale thing pisses me off OMG my mom almost spent our entire savings in the 08 recession compulsively buying random things we didn't need just because they were on sale 💀
A man and his Wife had a similar argument. His Wife was PROUD of the fact that she bought things on sale saying,"I saved money by buying these items on sale! He responded,"You LOST money because you BOUGHT the items!" You shouldn't have bought these items in the first place!" 💡
I never understood why people are so obsessed with being an outfit repeater 😭😭 It’s such a nonissue
Their afraid of looking broke to their friends that they don't like anyway. It's about imag and looking like you can afford more clothes. It's so dumb.
I’m a fashion girly myself & agree. You buy clothes to wear the item repeatedly …
It's only an issue in the Lizzie McGuire movie.
“Maybe I’m an outfit repeater, but you’re an outfit rememberer, which is just as pathetic!” 😂
I'm a "wear my outfit until there's holes that I can't repair,kind of woman" and I am not even ashamed of it.
legit my mother died in poverty because of her shopping addiction - yes, she had nice things during her prime but towards the end of her life she could barely afford groceries
and expected others to cover because of her "GIRL MATH" of course the term didn't exist back them - but she did the same mental gymnastics in order to justify her lack of care towards finance and her shopping additiction... it's so sad and horrendous. it's my worst fear to end up like that - dumb and broke til deathbead goddamn
My mother is the same 🙃
My mother was the same. I have such trauma that I don't have debt and I save and invest 70% of my income every month.
Gurl my mom’s shopping and hoarding habits are pushing me to do way better for myself and my family.
Myth busted: you're not investing in your daughter's vintage wardrobe. You're a hoarder and a financial black hole.
My coworker said her husband and her were so in debt because they loved the casino.I don't know if she still is in debt but given how her point was that she wants to "enjoy all her money", Idk. At least at one point, she was a believer of "girl math'
Making fun of myself as a dude.
Guy math is “buying tools is free if I use it on a project” the secret is I always have a project lol
I had a landlord who would buy a thing from Harbor Freight, use it, and return it.
If it was a necessary home repair, and buying the tool allowed you to be able to do a quality job without hiring a pro for less, the tool kinda was "free," AND you saved money on the repair!
My woodworking hobby equipment will even have been effectively "free" once I get around to building the new cabinets for my kitchen, which will happen soon...ish...🙃
@@DeadDancers Because I’ve always referred to myself a guy or dude and guy was the winner this round
I do that with sewing projects 😄
@@vxicepickxvyah that’s very common… it’s why you have rental services at places like Lowe’s and home depot
The one where the girl said those 7,000 are not mine, they’re my future selfs, I’m so glad she said that period
😂
I don’t know if they’re still doing it today, but some luxury brands would BURN the items they couldn’t sell before they release a new collection. They do that so that the brand doesn’t get devalued by having items sold on sale.
On the gift card topic: I do think they can actually be useful budgeting tools. I have a cousin who LOVES Starbucks, and when she was in college it was hard for her to make sure she kept that at an affordable level. So she figured out the amount she could spend each month and put that on a gift card. Once the gift card was empty, she couldn’t buy any more Starbucks until the next month. It really helped her curb overspending, and I think that if you’re disciplined about not using anything besides that gift card it can help keep you within your budget
That’s actually a great tool to learn self control.
That’s actually pretty clever. 🤔THAT can be Girl Math.
@@naomivought9317 Agree! She figured out some pretty clever budgeting tricks, but the gift card was my favorite she used. I’ve definitely used it a few times on places that I really love going to, and it’s really helpful
@@LoveAndSnapple 😂, yeah she’s really smart. No surprise that now she’s a really successful physical therapist!
I used to work in check cashing and the company started buying gift cards, keeping a percentage of the value....sometimes upwards of 40% . Some of these were target and grocery and I would be baffled....all to have cash in pocket. I even asked one woman "why don't you use this as part of your grocery bill while retaining the full value? I was met with a blank stare.
“Girl math” pisses me OFF. Our female predecessors would be pissed. Elizabeth Cady Stanton, Harriet Tubman, our foremothers did NOT work this hard for us to act like this.
I agree 100%
Putting Elizabeth Cady Stanton right beside Harriet Tubman is wild
@@Somebodyelse141 babe im trying i haven’t read a book in like two years
foremothers is a word i’ve never is seen now i’m sad i’ve never it used lol
no way in hell this would make the foremothers proud. They weren't silenced, beaten, and starved, for their decedents to financially trap themselves in the system they were trying to outgrow!
Do you remember having friends at school that played around all day being the class clown and then when exam time came, they pulled out all A's? In the meantime they got you to play around with them and then you barely passed? This is how I view a lot of these people. They post these things online and make you think its ok to think like that but behind the scenes they are making money and saving it and youll be going broke.
Videos like these make me grateful for my dad who forced me to go with him when he needed to do something on a bank, on the car, to dispute for a discount that was not applied, etc. He would just start talking about the logic of what he was doing and, as a kid I (of course) found it soo boring, but as an adult I just can't comprehend that people don't know things that I considered "obvious" Dd, thank you very much
You are so major girl. I honestly want you to thank your parents. I don’t know your story but someone had to have helped you achieve this very mature level of intelligence that you have because you can’t be over 22 right? Thank you for putting the stuff out there. I’m literally gonna binge watch every video that you have because you make so much sense and I’m almost 40.
Thank you so much for your loving support! I appreciate you. I just got off the phone with my mom, she will be happy to hear what you said. Also I am 31 💓 so I appreciate your kind words!!
@@SocialSymoneI really love your videos too and your perspective as well. & I thought you were 20-24. your skin is glowingggg
I’m 32 and finally did a closet purge of my high school clothes. If I like how something looks or feels, I will wear it until I can’t wear it anymore. I never considered how many times my outfit has been photographed. Wtf.
BEST WAY TO DO IT!!!! 💕💕💕💕
The problem is that they're curating an image for other people on social media. They care what other people think.
I'm grateful just to have clothes that aren't stained or ripped.
Exactly! It really bothered me when she said it's "something all girls do." No! No we don't!
So true! As someone who came from a really poor background I'm still baffled by people who buys clothes every week, like, what?
We used our clothes until they were unusable, and sometimes it was still used after that as cleaning rags lol
@@mayy3307I still wear stuff from middle school cause I didn't get much taller between then and now, my folks never had enough to buy that much clothing for me
When I used to go shopping with my friends, I'd ask them, "Do you want me to talk you INTO or OUT of that?"
😂😂
Girl math is what I did at the tippy top of manic depression…it’s awful. The consequences come quickly and don’t go away nearly as fast.
Same!! Normally I’m very responsible but when I’m manic all bets are off
Yeah this is actually scary bc it shows 2 things. That womens mental health is generally doing worse and that corporations via influencers and social media are taking full advantage of that dact
My rule of thumb for free shipping is that if the remaining threshold to get free shipping is less than paying shipping outright, I'll try to find something I can use that *just* gets me over the threshold. Otherwise I just pay the shipping.
the funny thing is that I first heard about this concept was from the 1947 movie “Life with Father”. The wife returned a “Pug-Dog” statue for something her son wanted, and claimed that it cost her husband nothing because she had returned the “Pug-Dog”. The man went in circles with her trying to explain that this isn’t how finances work, but eventually conceded defeat because she absolutely could not see where her logic was flawed! My family has always referred to it as “Pug-Dog” math; I’ve only fairly recently heard it called “Girl-Math”! 😄
Thanks for including the last three videos. I'm a woman in STEM and it's hard enough to be taken seriously for work I'm qualified to do, those "girl math" videos reinforces harmful stereotypes. I don't associate with women who think ideas like "girl math" are funny.
Yeah I feel that. I'm a software developer and I had to do quite a lot of maths in university and the things people said to me was crazy. One guy even suggested that I'm only good at math and only interested in tech because I have brothers.
Thanks for making this video! I agree that this is harmful for the financial independence of women. Learn how to budget, just bc your parents didn’t teach you how doesn’t excuse responsibility.
Woman in tech here, I understand 😢
And when you call these childish girls out they will label you as a pick-me, make it make sense
@@aeoligarlic4024 yep. my goodness...
I hate hearing 'Girl Math' It makes us sound so stupid and brings down the whole gender 🙄
Agree and several of these girls speak in that sing-song, baby, Valley Girl voice.
It's so frustrating to have a group of women openly reinforce negative stereotypes about women. Like there are sexist stereotypes that women love shopping and are bad at math and all of a sudden everyone is saying that that's completely correct and okay
This is why we cant have anything nice.
So true what you said about people trying so hard to prove that they’re wealthy or well off in order to impress others smh. Like why?? We know you broke for real.
I enjoy your videos because you use the sense you have. To those who spend a lot of money on coffee… Buy a coffee machine for less than $30, if you prefer to ground your coffee buy a grinder $15, and buy bags of coffee from $6-$10 which will save a ton of money. Also, if you buy your bags of coffee on sale that’s a deal. MATH MATH
"girlmath" set feminism back 50 years
Or did feminism accelerate it? If you go back 60 or 70 years, women didn't use girl math like this lol
I remember in the 1990s and early 2000s people tried the “ don’t say girls are bad at math, it’s a harmful stereotype “. And here we are 😅
@@aubreymorgan9763 yes. (and math is my best subject in school 😭)
Another Poster said something like," Past Women who got beaten and jailed for trying to get Women's rights like the rights to make their OWN money would be ashamed of the Women using "Girl math," today. Past Women didn't go through all that trouble just to have Women of today INTENTIONALLY throwing their money away like this. 💡🤔
@@karicewillis lol, freedom from the house to become a corporate slave, in essence.
This is why financial literacy is a must.
Im too poor for this type of girl math.
My math is going to walmart and adding 3-4 dolllars on each indiviual item so that i make sure i have enough for the tax at the end and dont go over my budget.
i had to come to this video cause i recently realized how bad my girl math mindset is 😭 i know full well that if i buy something using my cash app card IM STILL SPENDING MONEY but the excuses in me like to say "it never reached my account so i didn't spend anything"... girl math is really just an excuse to not make myself feel bad for spending money but at this point maybe i need to feel bad sometimes 😭 i forget that it's okay to genuinely treat myself occasionally and i don't have to spend under the false pretense of girl math
Hey hey! Came across your channel recently and I love your content! Tell the truth and shame the devil. 😂
When it comes to clothes?!? I'm gonna wear it again! Whether it was on social media or I wore it to a wedding or not!!! I JUST wore a dress last weekend to an event that I wore to a party like 2 or 3 years ago. I actually love wearing stuff that I've had for a while and get compliments on them. Also, it lessens the likelihood that I'll be wearing the same thing that I have on because I've had it for 5 years. 🤣 And when you have swag, you can switch it up (wear different shoes, accessories, and even a different hairstyle) and give it a whole different look. 💁🏽♀️
Also, using things like Affirm and Klarna, when used appropriately, can help build your credit. So they aren't all bad. You probably paid $25 today, but Sis, you're still paying $100. 😂 Actually, probably 2% more for fees. As far as the handbags? Depending on what it is, it actually could be an investment. SOME of them do appreciate in value over time, but it's usually a LONG TIME from the time of purchase. Still not a good idea if you can't afford it at the time.
I had to come back and add that that a gift card that you put money on doesn't make it free. 🤦🏽♀️🤦🏽♀️🤦🏽♀️ If it was an actual gift from someone else, yes... it's free. Where is the logic coming from?!? 🤣🤣🤣
just the fact that it's called "girl math" annoys me so much. why are women willingly infantilizing themselves in the name of self indulgence and DEBT 😫😫😫
With all the good coffee out there and all the fabulous coffee makers, WHY are people still paying for their Starbucks burnt ass coffee?
Facts! Small coffee shops have way better coffee
I agreee starbucks taste like ass i dont get the hype
Yeees!!! Starbucks is junk food! Make your own coffee. Thrift stores so often have coffee making tools for cheaper than a single latte. Or just drink delicious, regular-ass coffee! ☕
If you're out and using your own travel mug, folks don't know if you bought it or made it, anyway!
I still have my gift card from last year. I usually treat myself during the fall and winter with the gift cards. I don't like their coffee as I like the one I make at home.
Status. Perceived value they add to themselves, people are fucking sheep
Buying clothes to take pictures for Instagram and not wearing them again while the owner of Instagram. Wear's the same clothes in the same colors. Is wild what a world we live in 😂
This video is shorter and it explains it better. th-cam.com/video/wCu94YcZHiE/w-d-xo.htmlsi=AW2mhLWBOPP6yYD8 it’s so funny his channel is called hoe_math
OMG! I just came across your channel and I swear we are sisters, lol! My biological sister told me about this "Girl Math" (BECAUSE SHE CAN RELATE!!!) and I literally told her it's not girl math it's NOT knowing math and simply lying to yourself about buying s**t! My younger sister and I our less than 2 years apart in age and I am debt free and retired and she's WAY TOO FAR IN DEBT to ever retire. I doubt she will ever get her finances together at this point. So sad.
Great video. I subscribed too!:-)
Totally subscribed to your channel.
If you’re buying something at 50% off it means the company was charging you 50% extra than the product’s worth.
14:52 “Call me broke, call me whatever… I don’t care what you say. I call myself wise.” 👏🏻👏🏻👏🏻👏🏻👏🏻🎉🎉
❤❤
Two Cents said it best, “You cant be as wise as Penny but being Pennywise is good too”
This video made me return a $10 skin in a game. An outfit in a GAME, it doesn’t get more useless than that. Love your videos they’re great saving motivation
You can return it?? I only heard of returning purchased games but not in game transactions
@@krayozminesI think if you explained you REALLY shouldn't have bought the item, you can return it with no problem. I bought an item for a game and HAD the money at the time, but then a forgotten about payment came through later that day and I was now OVERDRAWN. I immediately returned the item stating I had the money at the time for the item but was now OVERDRAWN due to another payment going through. Since it was the SAME day I was able to get a full refund. 💡It would have been a completely different story had it been say a week later when I asked for a refund. 💡
I just spent $1200 fixing my car and almost threw up. $4,000 for a bag makes me wanna check myself into the hospital.
😅🤣😂
As a woman, this just... Is insane to me. Like, the girl at 9:26 really has the nerve to say "let's confuse the guys even more with girl math" of course they're confused, you are literally delusional. The math is not math, it's delusion. Money spent is money spent, doesn't matter how you twist it.
Girl, I just had to subscribe. 😂 You're too good!
Hold on.. i thought we were doing girl math as a joke.. like mine is if i was gonna spend 30 on uber eats but i bought food at the grocery store for $15 then i "made" $15. Are people seriously ruining their lives in the name of girl math?
this is basically what i thought! i though it was a silly jokey way to praise ourselves for making good decisions (like yours), not justifying bad decisions. that’s how i was using it lol
I thought that too. Like silly things where I made the better decision and "saved" the money I didn't spend too
This is what it started as then it just devolved into a misogyny talking point and a justification for poor discipline and spending habits
Many of them are ruining their men's lives with this lol. When it's other people's money, girl math makes sense but destroys his finances.
Another Poster thought something similar, "I thought Girl math was,"I have $1,500, but my utilities bill is $300, so I ACTUALLY have $1,200, not $1,500. You know, common sense and rational and logical thinking. What Girl math ACTUALLY is is just plain stupidity." Another Poster replied something like,"Your $1,500/$1,200 is also what I thought Girl math was at first too." 💡
Don't get me wrong, I would NEVER buy a Birkin purse but I'm amused that she thought it was $10k. Birkins are more like $50k.
You can get used Birkins for about 12k, and bring it to a bag Spa for about 2k - so 14k would be realistic
I went on an Hermes deep dive a while back out of disgust and Birkin cost varies by style and leather type. The most basic ones start at $10k, but the special editions can go from $300k to $2,000,000. Yes, TWO MILLION. For a purse.
But the most offensive part is even if you buy the 'cheapest' Birkin, you still have to spend thousands more on other Hermes stuff before they'll _allow_ you to buy a Birkin. You have to shop there for a while buying trinkets and leather goods, shoes, etc, you have to dress nice and befriend a sales associate, and after a year or so- if you've done everything right and are the type of person they want to be seen carrying one- you might get lucky enough for your SA to offer you the chance to buy a Birkin.
Google "Hermes journey" if you want to be enraged lol. I would never give this company a cent of my money, Birkins look like suitcases to me anyway and I genuinely don't get the hype.
Depends on the size and materials. Some are even in the 6 figures which is insane...
Nah yo they charging car prices for a lil ahh bag😭thats outrageous extortion
"She brought the unborn seed to the equation!"
so poetic i will never forget this phrase.
I love you thank you for exposing this BS. I’m a girl, and I feel bad to admit that I kind of have this same kind of mindset. However, I rarely go through with my thinking. I save around 80% of my pay check and buy the cheapest things possible. Most of my money is going towards my education and groceries, I haven’t bought myself anything in ages, even though I can relate to some of this thinking in the video
My boss’ 19 year old son called her a couple weeks ago and asked her what happens if you open a credit card, buy stuff, and never intend to pay it back 😂😭 what are schools teaching these kids? Parents, take it on yourself to teach your child finances.
I got married in November in a little micro wedding (10 guests for legal ceremony and sit down dinner then another 15 friends for drinks) and brought an 80% off reduced satin baby blue dress for less than £30 (
Girl Math = Dumbest Thing ever. How about we learn about financial literacy and the consumerism salesman.
So now I understand why Americans and America are in so much debt. The Citizens AND the government uses Girl Math. It all makes sense!!
Correction: terminally online citizens and the government uses this math
@@Sebastian-Draegon😂
They will blame everything on inflation. I say, no, your ass been broke. My parents and grandparents raised kids in an under 1000 sq ft house, had one car bought used, drove to the lake to swim for vacation, and the kids wore handmedowns. Stop letting people tell you the American dream is over. It is alive and well for people that are willing to live within there means. Hyper materialism was never the dream.
@@Sebastian-Draegon😂😂😂
Nope. It's a global thing we all use girl math!
Can i just say i ADORE your channel!!! Youre delivering messages that are VERY needed in this day and age and adressing it with no nonsense and ita super refreshing. This generation needs some guidance and reality checks. Youre a blessing to youtube
This video has reminded me that I need to teach my kids about budgeting, scams, how sales work, etc. this week! It was on my list of To Do, but I've moved it up on the list before it gets too late.
did the word "free" recently get a new meaning??
That’s Girl English!
This is painful to watch
This was PAINFUL to record! I DID THIS CAUSE I LOVE Y'ALL! ❤️
Omg I’m struggling but love her vlogs so I’m trying haha
And scary 😱
Watch Hidden Figures ladies, now that is real girl math! This is so toxic wtf.
I am SO glad I found your channel! Love your commentary!
Lmao when she said $38=$30 lol I laughed in black because I immediately heard my mother saying “$40????” 😂😂
$40??? What do you mean $45 I don’t have $50 dollars???
Well as a girl I'm insulted! This is idiot math! So stupid, returning clothes is not making money and Starbucks is a waste of your money if you barely have any! Cash is money and not free, wtf! Also, I have a little black dress that I have worn to dozens of occasions and it always gets compliments and cost me $1.00 at a thrift store.
I got something for FREE during a gift giveaway and "Returned," that item at a store for store credit, so I did do a "Free," return. I bragged about this on a Website and I got ragged and dragged for "Returning," an item for store credit that I got for completely free and didn't buy at the store. ☢️ If these ladies in the videos were "Returning," items they got for free like I did, then I can see them saying they were getting extra value by getting store credit for something they got for free and never bought in the first place. But the way they did it, they are exactly even, not getting any extra value. 💡
And where the heck did this notion that “cash is free” come from??? It’s especially ironic when you think about how its said having the physical currency makes you more conscious about what you’re spending than if you’re swiping a card where you can’t actually see the money you’re spending. Completely agree with you about the headache.
It also confuses me how many people don't know how much they have in their bank account at any given time. Like you should be a hawk about that kind of thing
I hate "girl math" because it perpetuates that women cannot manage money. As a woman who is very careful with money, I hate it.
Edit: I just got to 41:19 and even more yes! I went to university for engineering but now work in technology so even more yes
It perpetuates that women can't manage money? Women drive 70%+ of the spending in the economy.... Not everything is people attacking women.... Some of it is just the reality of the situation. Women spend.... Rob arnault is one of the top 3 richest men in the world, owning louis Vuitton for a reason. Lol.
Thanks!
THANK YOU SO MUCH! I appreciate your love and support ❤️
I just found your page yesterday, and I'm hooked! Definitely subscribing!
Companies loveeee this trend. A while back it was Girl Boss, Girl Dinner, now it’s Girl Math. What’s next Girl Car Loan?
Girl appartment. Girl tools. Girl writing...
The longer this goes on the stupider ot sounds.
girl bankrupcy
girl tax fraud
Lol@@scullyyyyy6788
Girl Vehicular Manslaughter (Slaaayyyy, literally)
please I beg these tik tokers... if they want to be 'cute' with the stupid math, at least call it something else.... don't name it 'girl math' because as a girl with common sense, I think this is insulting.
$14k will get you a car. Get you an apartment for a year
$14k will get you an apartment for a month where I live
That's a cheap apartment, if you can find one show me. (in my area they are minimum $24k per year)
@@shellykidvidI also agree with your thinking. $24,000 or $2,000 a month is the average for apartments in America. 💡
Thank you, you always speak facts and get us out of our delusions & bad behaviors ❤
I don't know how I got to this video and frankly Im too afraid to leave now...send help. Love your commentary Symone!
I hate that they're calling it girl math, they're sending us back a 100 years, I am a statistician and it's so triggering they call being dumb "girl math". Maybe call it delusional math!
No, they aren't . Women doctors, physicists, professors, and engineers aren't going to disappear because of tik tok stupidity.
@@LPno.9I think perhaps “sending us back 100 years “ refers to how women are perceived in general, not that educated women will cease to exist
@@not_old_yet I know what it meant. It still isn't true. The abortion bans happening all over the US might, but not this.
@@LPno.9 I have a PhD in Bio and worked in science my whole career and still don’t get your point. Just saying “No, it’s not true” isn’t an argument
@@not_old_yet That's exactly what I meant!
37 years old and struggled for much of my life in poverty. Now I have stability, and I still
A)reject 'luxury' brands (including overpriced, unnecessary make-up or anything that feels like a 'trend'. Trends don't last, its nonsense, people)
B)mend my favorite pieces of clothing
C)purchase secondhand or 'upcycled' clothing/jewelery
D)make my food and 'fancy' drinks AT HOME (most 'fancy' drinks are made of simple ingredients, easily replicated at home!)
I live happily, comfortably and healthfully without having to spend money on everything. And the tools I used to rise out of poverty will keep carrying me up.
Girl math? Real bad joke, my friends. Don't encourage women to seek poverty through consumerism, people! It's a long road out. ❤
! love everything you said here and I agree - girl math is stupid, let's not be broke : ( we can do better
We do many of the same things. 💕 It is so much better for you long term when you have great spending habits!
A Poster said something like, "With girl math, consequences come FAST and take a REALLY long time to undo. 💡☢️🤔
“It don’t talk back” “it don’t know how to cook” knocked me out 😂
I love your blouse!!! Thanks for this video. I’m glad to see most women don’t actually believe in “girl math.”
I still can’t get over the fact I could have bought half of my fence around my house for the bag that girl was carrying on her shoulder, or ripped out all the carpet in my house and redid my flooring, thats a new lawn mower! 😅 as a home owner me and my husband find ourselves changing the things we want into adult toys, that we will actually use.
i personally think girl math is an extreme coping mechanism to justify instant gratification and make themselves 'feel good' for spending that money they know they shouldnt. i know, ive done it too, not this extreme, but i've done it before. Like Afterpay, feel good now, feel bad later. And never do afterpay or any pay later service!! Great video Symone! hope people take a moment to really think about when they make all these purchases, since it really does add up, especially with this mentality. Spending money is spending money, regardless if you transfer it to a gift card, credit card, buy now pay later, cash or notlol
Girl Math has to be satire.
OR....not for some people 🙃
It started off as a joke, but like everything people have to take it too far and ruin it
They're giving South Park more material.
In many of these clips it definitely feels like satire, but do the young influential viewers understand that?
They might be taking some artistic license in these clips, but I've know women who think like this
Please keep making these videos bc social media is so saturated with trying to get us to spend, that’s it’s refreshing to see someone actually making videos educating us about it all and keeping it entertaining !!
I told my friend I paid for my coilovers, sway bars and strut brace in cash and she literally said "so your car parts where free?"
Um no I worked for a total of 80 hours to get those parts