22 Purchases & Habits Keeping Me Poor | Things I No Longer Need.
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- เผยแพร่เมื่อ 26 ต.ค. 2024
- Today, I'm sharing 22 things I stopped buying or doing that really helped me stop spending and start saving. They've made a big difference in my bank account and how I feel about money.
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Never lose your honesty. There's an audience that really needs to hear the message you're sharing and more importantly they need to see you there on the screen giving a face to their own struggles with money , self-image and spending. Not enough ppl are talking about how much our mental state and beliefs are tied to our spending habits and the feelings around it.
Thank you 💛
Very true!
I'm so glad the algorithm showed me your channel when you first started. I know there are some in the comment section that make judgments. I hope despite criticism you see & know you are brave. Your story is common for most in the US regardless of judgment. Most are living paycheck to paycheck, buying from social media hype and trying to keep up with the Jones'. They just aren't honest or brave enough like you. I'm here for the journey & motivation to cut back in areas of my life.🥰
Well said ❤
Absolutely!!
THIS is the comment. Authenticity and vulnerability inspire transformative change. No one ever talks about the soul-robbing experience that is trying to keep up with influencers and fashion icons. I suspect that we will all care a lot less about appearances and a lot more about comfort, safety, and medical support when we are 70. It's really difficult to financially plan for retirement when we are spending our hard-earned money on cheap dopamine buys. I, too, struggle, and I am trying to change.
Hi! I absolutely love your honesty. As a former shopaholic, your channel really resonates with me! My husband and I were over $201k of debt. All various debts. Credit cards, cars, student loans. We paid it all off. It is a complete mindset shift. No more spending. We sold so much of our stuff too to help us get out of debt. Unfortunately, we lost ppl that we thought were our friends. It really shows the ppl that are truly your ppl. All I can say is keep going!! What you are doing are all the right things. You will know freedom like no other! No longer a slave to the things and the debt. Dave Ramsey has been a huge part of our debt free journey. He also has an amazing budget app called Every Dollar. I love your TH-cam channel! I look forward to your posts! Keep the faith!! You’re doing great!
He has some good advice but his manner is a bit gruff for people today 😂 . I do like listening to George and Rachel’s Smart Money Happy Hour. I think their personalities work better in today’s world.
Your channel is soo helpful for me. I'm a recovering former shopaholic. I now avoid shops. By buying online I have got my addiction under control.
So happy for you, that’s amazing!
Thank you very much. Any other advice for a shopaholic who struggles to find a way out ?
@@t.s.lee18 I wish I had a better answer but I’m still trying to figure it out and it’s not exactly easy. I’m just going to share as I figure things out.
The most impactful thing I’ve done is not watching influencers and removing all ads. If I don’t see it I don’t want it as much, but easier said than done.
I'm following with interest, but have seen some rather critical "reaction" videos to your content which is sad, but unsurprising. I hope they don't stop you posting your progress x
I’ve seen one reaction video but beyond that I can’t watch or engage, it will mess with my mindset too much. Thanks so much for being kind 💛
I believe many of us may be sort of shocked at the spending amounts on “herself” but don’t mean to be “mean” but rather maybe the shock and comments generated by the shock will be helpful to her in realizing she doesn’t have to be self absorbed with how she looks and instead realizes how important life actually is - meaningful relationships, for example. Maybe one day- she will be able to donate and give to charity. And- have her own home - etc. I wish her much luck and happiness and prayerfully be strong enough to realize just maybe people are not trying to be mean but are just being frank. I hope this all makes sense.
@dbalemon i haven't seen one, but yeah, don't watch those things, because it's always just people hoping to make views / money off of your content. They probably don't even believe what they're saying themselves.
🥪 when I head out to run errands for the day - I am now making a turkey sandwich, BASIC - Dave’s Killer Bread + Deli Turkey+ mustard + la croix soda water + honey crisp apple 🍎
(buy the freezable igloo mini zip pouch)
The best part of errands, though, is stopping at Panera and Starbucks!
I love channels like yours that are normalizing budgeting and saying no to excess. It’s easy to get bombarded with advertisements and temptations to buy everywhere but watching you take control of your finances is so empowering! Keep going your doing great! ❤
Trendy clothes are not only bad for your budget but also takes a toll on the environment. We are creating so much waste from clothes that go out of style within a few weeks or months.
It had to be said. Shop sustainable natural fibers. This led me to thrift, and it is great savings, too.
I’m proud of you for seeing the light! I was in your boat 3 years ago. It’s not an easy journey to simplify and budget but it’s sooo worth it. The feeling of having money in my savings has been so nice and gives you power ☺️. Keep it up!
My trick to avoiding impulse purchases at the grocery store is I always have a written list and don't buy anything not on the list.
The list is a great suggestion. Probably mandatory. Only time I go off script is if I see a usual target on sale. Have to do it but buying when not on sale is very irritating. When I ring it up, I know I'm losing money.
A very helpful thing for me to help curb my shopping was unsubscribing from brand emails. Yes the ads still target me on social media but now I find them more annoying than enticing
Just because you are forgoing the expensive pampering, doesn't mean that in the future you can't spend money on them. You are just reducing your expenses temporarily until you can pay of your debt, build your savings and continue to grow your income.
You can return to SOME of them, but returning to all of them is a surefire way of eating up your income growth that you've worked hard for.
@@VBoo459 also some of these things are ripoffs! la prairie and la mer skincare is a horrible value and don't offer anything except a pretty jar.
This is the most relatable financial video. I don't have the type of money you are making, but if I did I would spend it the same way. People don't understand sometimes, but I totally get it and there can be so much shame. These mindset shifts need to happen at any stage and I can't say how refreshing it is to hear your honesty. It made me feel less shame for myself and got my motivation up to be accountable with myself. You and Ramit are really helping change my mindset.
It’s a process… you’re definitely heading in the right direction. 👍thanks for sharing!
Thanks for watching. LOVE your name :)
Wooooow!!! Look at you! Big congrats on the progress you’ve made. You’ve literally added thousands back into your budget💪🏾
Really appreciate your honesty and sharing all the things you no longer spend money on. I have been on a similar journey for a long time now, and I realise that a lot of things I spent money on (including hair extensions, clothes, jewellery etc) were for show, and not necessary. In addition, buying these things reiterates the mentality that you need them to feel confident or worthy. When you strip back to the essentials, you can see how detrimental consumerism is, and how these things bog you down rather than adding anything of value. Keep going, you're doing great! Love from Scotland x
For snacks that travel well, I love Organic raw almonds, organic dried mango (so sweet and tangy), and organic sea salt pumpkin seed. (I make a trail mix for my man. 3 nuts, 1 mixed fruit, salt, and some organic dark chocolate chips. And shake it in a glass Tupperware)
So proud of you Elle 🎉 I look forward to seeing your videos now
Thanks so much!💛
Watching this is a huge culture shock for me. So out of tune with this level of consumerism. Whew! I commend you for all you’ve given up on this process. Best of luck on your journey. 💕✨
I’m in shock too. OMG--a luxury lifestyle. Now I don’t feel so bad about one pedicure a month. And $70 spent on hair every 3 month. And my grocery store makeup
It’s maddening how often we see ads. Think about in a day how often you see or hear an ad. No wonder it is a challenge to save money. Gotta get enough of it, avoid it when you can, and focus on your financial goals, period! Keep going 👍🏽
Suggestion: make shorts for when you find yourself noticing those addiction urges and document it!
And yes, doctor's office procedures over store purchases everytime! I mentioned in a different video, same as Botox > la mer, laser and peels > "8nfluencer favs"
❤️
And your protein bar story... So relatable ugh.
Meal prep baby steps for all!
PBJs and a carton of chocolate milk for all until ready for moving to the next steps 🤣
I applaud your transparency and honesty. It takes a lot of guts to put yourself out there like this! Kudos and good luck growing the channel!!
I think you're doing great!! 🎉🎉 I purged a 2 story house in the Marie Kondo rage and went to tiny living! Best feeling ever!! Belongings can own a person!
I love how honest you are
Shopping gives us a quick dopamine high 😊 Even me, while thrifting, I am very conscious about the feeling . Congrats for your honest approach on this subject ❤
Really love your channel and your realness!!! Keep doing what you are doing because your content is helping others!
Wow. Your expense before was wild. I’m glad now you are trying to change!
im not in debt, i live in nyc...which should tell you EVERYTHING. For about 3-4 years i was paying over 14K in health insurance for my family. it is insane...finally just paying 400 a month which is quite better obviously...so the "extra" coming in is literally going straight to my car...not dining out, not buying anything unless i urgently need it, not even on my hair and my roots are literally down to my ears lol. I mean i want to NOT have a bill...! I want to be able to take my paycheck and actually use it to better my family. Im 38 and just now realizing that my husband and i yes weve been paying things off...but we should have literally done so in a year or two instead of the "72" months loans give...live and learn...i like your videos
I wonder how to find cheaper health care!! I do pay about 8 grants a year!!! Any advice??
@@hayaabu-hani7131 i complained to my bosses. i started working here 14 yrs ago becasue they were paying 75% of my insurance...somehow 4 years ago my weekly deductions were doubled...so i started asking friends how much they paid...no one i knew paid 16K like i did yearly...which made me think that the 25% i was supposed to be paying was actually more. i brought it up to my boss because i felt pretty bad....so they were able to find better covereage...or maybe you should look for a job that will cover 75% or more of your medical- there are jobs out there that do...
Thank you for your honesty. Sugar and Shopping - it is kind of the same addiction with a billion dollar industry behind....
I judged your channel the first time I watched you. I'm so glad that you were suggested to me again by the algorithm lol
It's the most relatable content for me in my situation.
The way you speak and tell stories is so relatable! I feel like I’m talking with a friend. Thank you so much for all these videos. I have a huge problem with overspending on skin care and makeup. Also wondering what kind of meals do you make during the week?
You’re doing great! Everything you said resonated with me too. Thank you for putting yourself out there - you’re helping more people than you know. Looking forward to more videos! ❤
Thanks so much much 💛
I recommend a candle warmer, I use that rather than burning them so I don’t use them up, saves me a lot!
@@Sophie-jn6qq great idea 👍
I’ve been watching our channel since you started (stumbled on to your first video somehow) and I just want to say if you keep up with the same format and the real you that we get to see, this channel is going to blow up. I’m excited for that to happen for you. I’m a recovering spending addict and watching you on your journey is actually helping me stay on track. Love your honesty, keep it up. Ignore the negative out there and focus on what you are doing because it resonates with us viewers 😊
Totally agree she is killing it
Elle, we absolutely love to see it! The progress is awesome and as always, your candor and vulnerability is inspiring. You’re killing it sister!
We are victims to the system, particularly as young women and even as girls. They make us believe we aren’t good enough and then they sell us the solution- but it’s all just bullshit. You are capable and beautiful no matter what, and I am also always working to see that in myself. Thank you for your video, I look forward to them each week!
Love your channel!! Love your honesty!!❤
Thank you!
Holy crap you were spending so much. Good luck in getting things under control. This makes me so glad I talk with my young adult children, 21 and 24, about debt and how it will impact everything you do. Been trying to get them on the Ramit train because I think its important to know your values with money. I am so proud of my daughter during her last visit, we bought her some clothes to take back to school with her, but before she left she told me she wanted to buy a skirt. While looking she found some skirts she was ok with "nice", but I took the opportunity to tell her if you are buying something that you don't love, but because its on sale don't get it. She agreed and said she would continue to look and ended up going home without one. It was a big deal because she is in fashion school in Europe and knows alot of girls that buy so much to show off.
Watching your videos is so cathartic! I have very similar…issues and I have been recovering for two decades. Thank you for sharing your journey
I have watched about 5 of your videos. This one was the most impressive as you described actionable expenses you have changed. It really adds up. Keep up your passion to make a series of big moves toward your goals. You get 🎉🎉on this one.
Try adult "lunchables" I use salami (whatever meat you like) cheese, pretzels thins, nuts and a fruit that's easy like grapes and put it in a sectional container. It takes like 3 minutes to prepare!
Not a bad idea but I’m plant based so with have to make modifications but I love this.
Congratulations on all the amazing changes that you have made! 🎉 Having less and simplifying your life will lead to greater happiness. I did a no buy year and it changed my life. Thanks for your honest presentation.
Putting out great content!! Thank you for all you share, trust me it is greatly appreciated ❤
Thank you!
Youve come a long way quickly. Even though some view us that tell you the truth as negative, i think its definitely helping you!!!
Thank you so much for this content! It’s amazing! Love this journey
Thank you!
I’m so glad I found your channel! Thank you for being so honest and real. You’re truly a breath of fresh air! I can’t wait to watch you grow on this journey 🥹🫶🏻
What a refreshing and honest person…love your content❤
Thank you for sharing so honestly about all of these! It's so easy to purchase so many little (or bigger) luxuries that make you happy in the moment and not realize how much they are adding up!
Had to file a BK last mo. Got into debt with loads of mentorship programs. Signed up for a freelancing course and stock trading course but I virtually ignored it. Lots of physical clutter around too. I'm ready to learn what I can do different from a credible source.
Hi Elle, I love watching all of your videos and want you to know how much they are helping me and how relatable you (and they) are. So happy I discovered you a couple weeks ago. Thank you for being so real; I absolutely love listening to you. ❤
One of the worst habits I had before that really killed me financially. Buying cars every couple years.. NO MORE do I do that. Kept the same car for the last 11 years (2013 Kia Rio I bought new)
Your channel is great, I learn something new each time. I saw the video yesterday and you were clear you aren't affiliated with any of the products - they were items you use a lot. Sometimes people like to criticize - tune it out - you are doing great! I went back to find the video today since there were a few things that piqued my interest, and couldn't find it (I did see your comment that you took it down). Your subscriber numbers go up each week! You will have a new stream of income from youtube in no time.
New subbie, love your channel. I am not on a financial journey but a minimalism journey. I agree with that I haven’t found someone that I can truly identify with as many minimalists folks are younger and preferred a different aesthetics than me. I am on my decluttering journey and have sold many lux goods that I could had purchased a small compact car ( sad and embarrassing) I still love lux goods but now I am focus and more intentional with purchases. You are doing great. Thank you for your honesty and transparency.
What a great video! Very useful content and info
I appreciate your honesty! It's hard to find that kind of relatable content online. Also, as a dog lover, I appreciate your pooch hanging in the background!
This was so refreshing. I can totally relate to most of this as well. Time to prune my spending habits.
Holy cow! The amount of $$ you used to spend on your "appearance" is insane. I don't mean any disrespect or anything like that. It's just eye opening 😅
This is so inspiring. I've just blown through $5000 in the past 2 months, now I'm starting to rebuild my savings again including budgeting. Thanks for the honesty and encouragement ♡
No disrespect, but I can see how you got into debt 😮 Nothing against pampering yourself, but that's a lot of money for self care! Maybe one or two of those I could afford, but not all at the same time!
Yep, it was really, really bad. You’re completely right. It’s sad it took me a long time to realize, thankfully I’ve stopped.
@@dbalemonIt's awesome that you are self-aware and honest with yourself, many people are not 🙂
It starts as a one off treat, a luxury purchase (La Mer for example), then becomes more regular to the point where it becomes considered a normalised purchase. The luxury aspect fades pretty quickly. Then you spend more for a different luxe treat. It does creep up on a lot of us.
@@dbalemonI live in NYC and work in corporate. Most of the girls I work with have the lifestyle you described. It seems to be “standard” for a lot of people and these girls are young, not even 35. They belong to 3 exercise gyms, Botox, skincare, tanning, extensions, Sephora, eating out/drinks…I feel that as soon as a trend came out; they all had the item. The goose sneakers (forgot the brand)..they had like 3-4 pair, jewelry… I would wonder how much money they spend on everything. Our company pays for our lunch so that was good. I couldn’t imagine what they would spend on all the salads (15.00 each in NYC). I think a lot of it is just wanting to have what everyone else has. I’m so glad I’m grown and don’t have these pressures.
I'm enjoying following your progress - I hope others watch and see the changes being made and the genuine effort to make a difference in your financial life. I feel like some may find the numbers being noted and the things/spending that was part of your past are unrelatable but that's not the point. If you look beyond the numbers and focus on the experience of realizing a change is needed, making that change (over time), continuing to be aware and working to stay on track THAT can speak to everyone on this journey, regardless of income & spending levels. Thank you for your transparency and I hope you keep moving forward in a positive direction.
How can you be buying home goods when you do not even have a home (of your own)? I am pleased you are finally learning about budgeting and what is important in life (seeing and hiking with your sister) and not important (hair extensions/ spray on tan, etc.).
So happy for you, never heard such honesty. I’m doing great myself, lots of changes!👍🙏💪
An easy dip idea for veggies is start with a base of Plain non-fat greek yogurt and add in ranch powder or fresh onion powder or whatever flavor you prefer. You can add a little water to thin it out if it's too thick. Great protein and not a lot of ingredients!
Oh great idea!
I am so glad I found your channel because we are so much alike and on the same financial path. It takes a mindset shift and Lazer beam focus.😊
Ooh well done taking on board some of the previous feedback. A lot of luxury purchases start out as a one-off treat, like a spray tan for an event or expensive face cream as a gift, but slowly they start to happen more frequently until they feel like a normal part of life. We then spend even more on something as a luxury treat because those things that once were a treat, aren’t any longer. Maybe look at Birthdays differently and instead of buying what you want when you want it, try delayed gratification, save the thought and ask for it as a Birthday or Christmas gift. It’s really nice to receive something you’ve wanted but put off buying for finance reasons. It makes it more special and I feel we’ve lost that as adults in today’s world.
Love the transparency on your channel! You’re doing a great job!
Proud of you! You are killing it.
hummus is also a great easy dip for the veggies! just check the ingredients to make sure there's not much stuff added!
Veggies & hummus! Great for snacking, hummus is full of protein.
I hope your channel continues to grow. You're doing great!
I so appreciate your honesty. The process you're going through reaches those that you least expect it! Thank you!
Great video!! I’m so glad I found you the other day!
I'd love to see what 24 hours or a week looks like in your life in terms of spending now vs in the past (maybe comparing statement from a year ago versus now?)
Yes!! Would love this 😊
I think you‘re killing itttt🎉🎉 honestly, so inspirational!
It's nice to see people who have different spending habits. I feel you as I have spent lots of money on things I don't need
Congrats on your progress! It will be interesting to see how much you end up saving at the end of the year.
wow amazing proud of you. i no longer shop on Amazon either.
Love your channel. I am working getting over a similar shopping addiction- but the poor version of it 😂
i think you are going to end up wealthy.... as time [asses you will become more and more disgusted with the manipulation - and your nest egg will replace the "stuff" excitement.
once you are in a place of having all your needs covered by your investment income - - you realize you could quit if you wanted to... that is the most amazing feeling and it is such peace of mind...
The cost of your hair extension maintenance alone is my car payment and not just any car, a one year old Acura!
Your channel and cult of consciousness are my favorites right now. I have so much in common with y’all (sadly lol!). I hope both of you get rich.
You are right on track to having a healthy relationship with money! Great job! 🌟
I am you but much older. I have spent way way way too much money on everything you mentioned. Now I’m getting ready to retire so I have to be good loving for self tanner easy to do at home.
Love your subjects!! I live in Amsterdam and everything is so expensive that I am doing my own nails at home. You look great by the way. Hugs❤
Thanks so much 💛
I agree with you. As you talking about clutter, I have to admit that the only reason I don't have to deal with visible clutter (excessive fashion, e.t.c.) because my principal residence have enough bedrooms to accommodate a large family. Each bedrooms have floor to ceiling whole wall wardrobes or walking wardrobes for my use. I have my wardrobe curated twice yearly (winter, spring-summer-autumn).On 24th August , for this Spring-Summer-Autumn which starting from September to end of February I purchased a number of white shoes and boots and at this stage I am not looking to purchase anything else I will be using what I already have.. With a wardrobe curator we created several outfits, using my existing clothes, shoes (including the new white ones) jewellery, bags, e.t.c. Regarding spending money what works for me; I do create a budget every year separating money for living (everything included) and money for wealth building. I never considered a wealth building funds as spending money and it is not tempting to me to do so. I must add that my saving/investing habits has been developed since I was a very young child. My grandfather took me to the bank, took me to business meetings and exposed me to wealth building from the age close to 2 years old, by that time I spoke very clearly and by 2 and 1/2 I was reading and playing simple mathematic games with my grand father. My family played a very significant role for over 1 thousand years, however following the war almost all of our wealth has been taken away by the newly socialist country. I was exposed to problem solving and taking positive steps to re-build a future.
Your videos are really inspiring! Thank you for sharing!
Omg that comment about dip & protein bars spoke to me. I hate preparing food, cooking, hate baking why do I think I can evolve into this cooking or baking maestro? I never find the time, motivation, & the food ingredients go bad. At one point I convinced myself if someone would do the shopping for me make sure I have the right measurements and ingredients. I could then cook it so I subscribe to one of these meal subscription boxes. What a waste of money it would still go bad. 😂
I stopped spending on most of these items. Nice to have hair extension but better not to in the long run to safe money (as you said it’s so expensive), healthier for hair to grow out. I spend money on hair serum and it took awhile but my hair is thick and healthy again (minus the gray hair). I also cut my own hair these days and I love it. $only 40 for a scissor at Amazon ladies
It's crazy how this world can make you feel bad enough about yourself that you can't walk out the door as your natural self.
This is exactly what I was thinking! And I also fell for it. In my case, I spent too much time on social media and I wanted to be like the people I followed. I didn’t even had one “role model” so to say, it was a combination of all people that I followed. I wanted so bad to live this “perfect” life that was portrayed online, that at one point I truly felt that I MUST have this and that etc. When the truth is, you can never achieve the lifestyle that is presented online, simply because it’s not real life.
@@ginger182 And there is nothing wrong with your natural skin color, hair color, hair texture, etc. You can walk out of your front door well cared for, loved, and groomed. You get to decide what makes you feel well cared for and loved. This obsession with altering oneself because it is "wrong" is different than playing up your natural features if you want to that day.
Hi, thank you for being transparent regarding the ways you've simplified and limited spending. They are good ideas and it's rare to find a person who doesn't push more products to buy. Most of it is a waste of money. Can you share the fitness app you mentioned which keeps track of weight lifted every week?
at first I thought you were wearing a "LifeAlert." Took me hald the video to realize it's your microphone :p I enjoyed your video! So many people buy stuff to feel better temporarily but it's just not worth it and big brands prey on that feeling.. agree with you 100%
Haha that’s hilarious!
Just taking a step back to take a look at your finances can make such a massive difference!
started working at TJMaxx - not great for my budget, putting out all the new stock! ( Full of stuf I don't need/didn't even know I wanted lol
This is so powerful. Thank you again for sharing
Huge progress! You're on to something big. Maybe key to achieving it all. Warren Buffett describes the idea as, "Price is what you pay. Value is what you get." In this video, and best purchases, seems you're doing that honest "calculation". Maybe not consciously but with great instinct. Idea will help with spending efficiently but also optimize when you want your money to make more money. If you continually strive to get much more value for the cost, and succeed, how can you not get rich?
you're en route to minimalism and I love it!!
"I'M NOT GONNA MAKE DIP!" hahahhaha be forreal!!!
I have been binge-watching your videos and I find them very inspiring. I am thankful to see you at the very start of your personal finance journey as I too went through my own epiphanies around spending and debt. I have nothing but empathy and enthusiasm for you.
I am curious about your goals and dreams. There must be something which you are striving towards that would drive you to change your habits. You may have expressed a few of these in your videos but I imagine that you want to achieve much more than just saving 50% of your income or reaching a particular salary level. As Ramit Sethi might ask: "Why?" (x5). Maybe that could be another video? I look forward to that!
I love your channel! ❤ Very relatable to me.
Just subscribed and i love your video's! Good luck! A video idea could be your new beauty maintenance routine while saving money (like diy or at home alternatives to expensive skin/hair/nails etc!!) And how much money it saves you
You have come a long way. You should be very proud of yourself