Maybe one of your savings goals should be a “splurge fund” specifically for those moments! That way you still get the gratification of saving, but you know that money has a purpose and is there to buy things that make you happy or will make your life easier.
We have spenders guilt and sometimes when we don't, someone comes and says it was a waste of money. I guess the secret is to ask ourselves: does this bring me joy? Will I enjoy having this? Did I do my research and know it's something I want/need? Maybe not all of them at once, depending on the thing, but if your answer is yes, then is something worth the money that you worked for. An iPhone, the car that is worth it for you... heck, we are the ones using and paying for it anyway!
Carter, thank you so much for your transparency and authenticity when it comes to spending guilt. Today, I got home from a week long trip in Las Vegas, and I experienced so much spending guilt both during the trip and now that I’m home. Your words were exactly what I needed to remind myself that spending responsibly and treating myself don’t have to be mutually exclusive ☺️ Thanks again!
I've found that for bigger purchases, setting up sinking funds in a completely separate savings account, and then putting away a bit each month has really helped me overcome that guilt. I don't view that money in terms of my net worth growth because it's separate from my savings/investments - almost as if it isn't mine haha! This gives me time to decide if I really want the thing, and then if/when I do decide to buy it, because it's already saved for, it doesn't eat into my budget for that month and I can save as normal and not feel guilty about spending this "extra income". Depending on the purchase though it can be a serious waiting game!
I have been struggling so much with spending these days. I can buy things for my family and I can save but spending money on me gives me hectic anxiety. I am so glad that you posted this video. It helps knowing that we are all working on our relationship with money.
I'm currently taking classes to get my CFP license (Certified Financial Planner) and I work for a financial advisor rn. Money guilt is something A LOT of people go through. My personal way to think of it is "as long as I'm meeting all my savings targets, the excess money is for whatever I want". Let's face it, money buys some of our happiness (whether that's time, material goods, experiences, etc) If you're meeting your savings targets, the other money is meant to be spent. There's no need to feel guilty for using money for the purpose it's here for - buy a little happiness!
I 100% agree with this! That's what I'm trying to frame my mindset around! I focus on savings goals then leftover can be spent responsibly however! Thanks for sharing Emily ♥️
I also struggle with spending money on myself. I was talking to someone about this and they said that this is the only time in your life that you're able to be selfish and able to spend money whatever amount of money you want on yourself. I've tried buying smaller things for myself that I WANT and not things I NEED. It's such a difficult mindset to change, I definitely resonate with you!
I felt like I was listening to myself speak. What I try to do is use my anxiety to like fuel a feeling of gratitude rather than working myself up into secondary trauma. So like instead of "youtube might leave" --> worst case scenario brain spiral, it's: "youtube might leave" --> I'm so grateful it's here right now and I appreciate it so much. I mean, obviously ideally for you and myself, the ultimate goal is to eliminate the "youtube might leave" anxiety haha but for now, this has helped me not fall into an anxious downward spiral. You got this!
WOW thank you so much for this! This is what I love about our community is all the wonderful people that can provide their own suggestions! I Absolutely LOVE the advice you gave and I'm going to try that mentality out. THANK YOU!!!
@@CarterSullivan Love this! I’ve also been working on anxiety spirals and using a thoughts/reality practice. Your thoughts: what if TH-cam goes away? What if I lose that income? Reality: there has been no indication of TH-cam going away. It’s a large corporation that employs many and is relied on by many companies for marketing. Changes to TH-cam, especially it’s deletion, would be all over business news. One of the biggest social media platforms won’t die with no warning. Heck, MySpace still exists. Additional reality: You are smart and capable of many things!! You have the knowledge and skills to get marketing/social media manager jobs thanks to your TH-cam experience. It’s a hot job market! Data analytics? You could find something. Healthcare? You could find something. Expanding on your current role? I don’t know enough to say. Part time minimum wage job to tide your funds over? Easy peasy. You have emergency savings for a reason. How long could that last you if you tightened up your budget? Could you find a full time job during that time. I bet a while and yes!
What do you think about doing a video on finances within a marriage? It would be super helpful to see how you do this in real life. Joint accounts? Separate accounts? Handling conflicts on money and savings goals? Etc.
I'm not married and we don't do joint finances!! Pretty easy 😂 But I can talk about finances in a relationship in general and setting goals together etc
Hi Carter, thanks for sharing! I find myself in the same situation having spending guilt on myself. Something I’ve found that helps is getting rid of or donating things I no longer use whenever I am going to buy something new. For example: I am going to buy a new pair of sneakers soon and I am already planning to go through my shoes and donate at least 1 or 2 pairs that I no longer use. This helps me to know that im going to definitely use my new item and that the dollars I spend will be well worth it…I hope that helps! 😊
I have tons of money guilt! I'm constantly comparing myself to other people and what they're making/spending. The best method I've found is to use goals to treat myself. That way when I look at an item, I don't feel guilty for spending the money. I feel proud for accomplishing whatever I did to get it!
I do the same! I typically set savings goals and reward myself when I him them! But life isn't always like that, there will be spontaneous items you want & I'm trying to rewire my brain to know it's OK for spontaneous things to come out as long as it's well thought out/budgeted for!
I have AWFUL spending guilt, but one thing I do that helps a lot is budgeting that money for myself. If its in my budget, then I know I can afford it, so I feel less guilty about it. I know you already do that, but I find reminding myself of that helpful!
Self employed or not, anyone can lose their source of income overnight. Having a bit of fear isn't bad tbh but you should also enjoy life and your earnings! I have money related guilt sometimes too. The way I deal with it is by scheduling my big purchases if that makes sense lol. Like let's say I want a pair of sneakers, I'll just tell myself that I'll get that pair next month. That way I look forward to it and don't end up spending extra on other things and also don't end up feeling guilty since it was a planned purchase lol. But ofc do whatever works for you :)
I totally agree- anyone can lose their income! I do the same- schedule on big purchases but sometimes they are spontaneous & we din't see them coming and thats life! But love the way you deal with it!
The best way to deal with high purchasing guilt is to save for the purchase so for instance you want a purse that cost $200 well each paycheck put a little aside so you you can save for the purse and when you have saved the money. If you still want it then get if not put money in savings works every time. Cheers 🥂
Agreed, that is a great mindset to have! But I'm also rewiring my brain that it's okay OCCASIONALLY to treat yourself if you know you have the means to do so!
Personal Finance TH-camr from South Africa here and I looove your financial content Carter! I also suffered from Spender's guilt and was at one point obsessed with just saving just for the sake of seeing those balances go up and it just wasn't worth it cause I was putting in all this effort and not even rewarding myself for it. Still a work in progress.
As someone who is constantly trying to shift their mindset, I think you should listen to some podcasts on money mindset and the difference in scarcity vs abundance. You could even try saying some affirmations in the morning and then again when you go to bed. It has really helped me shift my mindset and know that money is not something to be scared of or worry about and you should also know that money is energy and is something you can tap into at any moment so you should welcome it into your life. Hope that helps!
@@CarterSullivan Sorry for this late reply but anything with Law of Attraction and the scarcity mindset in general has really helped me. It's hard because these are beliefs that stem from a young age so we have to rewire our beliefs. Middle Ground podcast is a duo of two people I found from social media and their podcast is not about LOA but they have one specific scarcity mindset podcast I really love. I also really love Haley Hoffman Smith. If you need any other suggestions let me know! :)
Loved this video and your thoughts on having the money prior to renovation. LOCs are great but not the same as having you own money. Are you Canadian or American?
Create a budget item for "fun money" and allocate a small amount each month. I do this and use it to "treat myself" guilt free because I segmented that money specifically for fun/"splurges"
Recently quit my job with no prospect of a new one . My husband makes enough for both of us . And I should be basking in the life of a stay at home wife , with no financial stress but I can't. Now my mind automatically goes to what if something happens to my husband he can't work . This money anxiety is not good for us Carter 😭 , we too young to be so stressed and anxious about money . It comes and goes , and I think we'll be fine 🙂. Get the purse sis and show us when you do !!!!
I definitely understand the spending guilt, I have my emergency fund, I own my car out right, I work full time and I still returned my fit bit as I could not justify the purchase.. makes no sense 🤔 sounds like you are struggling with fight or flight and you are constantly in the flight mode constantly running towards security and safety x 💗
hey Carter, I just had a question hopefully you answer haha but since you are self-employed with TH-cam how do you do your taxes on them. Is there a certain way you do it or do you have someone else do it for you?
You can do either- do them yourself or have someone do them! I personally do them myself mainly because as long as you keep track of your income/expenses throughout the year it's pretty straightforward! But alot of people have accountants do it!
I live for your finance videos😁Spending guilt is so real I'm exactly the same I can never spend money on myself.I loved this video I say get it girl u work so hard treat yourself.Im working on this myself
One thing I’ve heard from TFD is to use a percentage model for personal spending. Like if you got an unexpected bonus, spend 10% of fun or self gifts and then use the rest on financial goals.
On the spending guilt thing... I definitely get it a lot but give yourself grace and remember you're still so great with your money so you deserve to enjoy it! are you budgeting for fun/guilt free money?
It never gets Easy, i got A LOT of debt when i got pregnant so the first year i got back to work was directed to paying the debt im into the 3rd year finally debt free, a wealthy baby Boy 🌟🌻💚 but i still strugle to get something for myself. Take It one step at a Time.
Hi just here to say you deserve the purse!! I totally get it though, I also can have a hard time justifying spending on myself, sometimes on things that aren’t even expensive! But then gifts for people I care about? Not a single hesitation lol. The struggle is real 🤪
Get the purse girl - enjoy your hard work a little. You know your in a good position to spend it - enjoy it while you can. You can always get it and then be a little more savvy the next month to make up for it 💜 love your content
This might be dumb of me, but if you're planning on moving in the next couple of years, why throw down so much extra money towards the mortgage, even if there is a lower interest rate now?
There's no dumb questions! We don't plan on moving permanently- just for a year or so! We plan on coming back to this house, we aren't selling it or anything as of right now! If we were planning on selling it then yea we wouldn't be putting extra money into it but since we are keeping it we plan on it 😊
@@CarterSullivan ohhh gotcha! I never owned, so I was wondering if it was something to do with the price after selling and potentially how much you could owe or receive back depending on what it would sell for, but that makes a lot more sense. Definitely seems like you're doing the smart decision then ☺
Could you share some of your resources for your spending guilt? Fellow woman in the same boat here. And my bad relationship with money bleeds over into my relationship with my fiance, because I have such an unhealthy relationship with money,
I definitely think it's just something you have to work through over time. Read through the comments on this video, there's some great suggestions Marissa!
I grew up poor so I struggle soooo much. I am not kidding when I say I spend NOTHING. I refuse to get my nails done, I cut my hair once per year, I shop at goodwill for my clothes and feel like I can’t even buying an effing pen at Walmart 😬 My husband and I make multiple six figures. I never could find articles on it!! Thank you for this link!!!!
I can relate! My hubby bought me a Samsung watch for our 5th anniversary and I just can't use it. I insist on taking it back meanwhile we are done payoff debt 🙈 #itshardtotreatyourself
You will want to save up a moving fund. You will need a security deposit and first months rent in many area's in your apartment rental. Also Rentals have really increased over the year, esp in FLA, so you should really see what 6 months of expenses and rent and security will cost. PS I love my coach purses. I wear them all the time and they hold up. I bought three $50 purses that looked like crap after 6 months, before I spent 300 on a coach purse that looks like new still 2 years later. Think about price per wear.
Yes we are very aware of moving costs however we won't be setting that up until we speak more with our immigration lawyers & make a concrete plan 😊 Some other financial goals to accomplish first!
I know you said you are aware of ramsey, have you read 'know yourself, know your money' by rachel cruze? It might help in your journey with healing your relationship with money :)
To help with my spending guilt i've set a percentage of savings per month that i want to acheive; for me its 55% of my income that i save each month, and whatever is left after my expenses and savings, i keep in a seperate account for when i want to treat my self guilt free :)
Thanks for always being so real with what you post!! Spending guilt and healing your relationship with money is such a legit thing to work on, and I’m so thankful you brought it up so I don’t feel alone in that 🤍 you’re awesome girl!!
Maybe one of your savings goals should be a “splurge fund” specifically for those moments! That way you still get the gratification of saving, but you know that money has a purpose and is there to buy things that make you happy or will make your life easier.
That's also a great idea!!
Loveee this idea!
Love love love ur advice @hannah 💓😘
We have spenders guilt and sometimes when we don't, someone comes and says it was a waste of money. I guess the secret is to ask ourselves: does this bring me joy? Will I enjoy having this? Did I do my research and know it's something I want/need? Maybe not all of them at once, depending on the thing, but if your answer is yes, then is something worth the money that you worked for. An iPhone, the car that is worth it for you... heck, we are the ones using and paying for it anyway!
Carter, thank you so much for your transparency and authenticity when it comes to spending guilt. Today, I got home from a week long trip in Las Vegas, and I experienced so much spending guilt both during the trip and now that I’m home. Your words were exactly what I needed to remind myself that spending responsibly and treating myself don’t have to be mutually exclusive ☺️ Thanks again!
Yes yes yes!!! Think of all the memories you made on the trip & the great things you did/ate/drink!! Money returns but experiences don't!
I read the article, and found it really introspective! Thanks for sharing your real & raw money diaries with us!
It was such a good read!!
I've found that for bigger purchases, setting up sinking funds in a completely separate savings account, and then putting away a bit each month has really helped me overcome that guilt. I don't view that money in terms of my net worth growth because it's separate from my savings/investments - almost as if it isn't mine haha! This gives me time to decide if I really want the thing, and then if/when I do decide to buy it, because it's already saved for, it doesn't eat into my budget for that month and I can save as normal and not feel guilty about spending this "extra income".
Depending on the purchase though it can be a serious waiting game!
I do the same most of the time!
I have been struggling so much with spending these days. I can buy things for my family and I can save but spending money on me gives me hectic anxiety. I am so glad that you posted this video. It helps knowing that we are all working on our relationship with money.
Yes we are all in this together!
I'm currently taking classes to get my CFP license (Certified Financial Planner) and I work for a financial advisor rn. Money guilt is something A LOT of people go through. My personal way to think of it is "as long as I'm meeting all my savings targets, the excess money is for whatever I want". Let's face it, money buys some of our happiness (whether that's time, material goods, experiences, etc) If you're meeting your savings targets, the other money is meant to be spent. There's no need to feel guilty for using money for the purpose it's here for - buy a little happiness!
I 100% agree with this! That's what I'm trying to frame my mindset around! I focus on savings goals then leftover can be spent responsibly however! Thanks for sharing Emily ♥️
I also struggle with spending money on myself. I was talking to someone about this and they said that this is the only time in your life that you're able to be selfish and able to spend money whatever amount of money you want on yourself. I've tried buying smaller things for myself that I WANT and not things I NEED. It's such a difficult mindset to change, I definitely resonate with you!
That is SO true!!!!! I love that
I felt like I was listening to myself speak. What I try to do is use my anxiety to like fuel a feeling of gratitude rather than working myself up into secondary trauma.
So like instead of "youtube might leave" --> worst case scenario brain spiral, it's:
"youtube might leave" --> I'm so grateful it's here right now and I appreciate it so much.
I mean, obviously ideally for you and myself, the ultimate goal is to eliminate the "youtube might leave" anxiety haha but for now, this has helped me not fall into an anxious downward spiral.
You got this!
WOW thank you so much for this! This is what I love about our community is all the wonderful people that can provide their own suggestions! I Absolutely LOVE the advice you gave and I'm going to try that mentality out. THANK YOU!!!
@@CarterSullivan Love this! I’ve also been working on anxiety spirals and using a thoughts/reality practice.
Your thoughts: what if TH-cam goes away? What if I lose that income?
Reality: there has been no indication of TH-cam going away. It’s a large corporation that employs many and is relied on by many companies for marketing. Changes to TH-cam, especially it’s deletion, would be all over business news. One of the biggest social media platforms won’t die with no warning. Heck, MySpace still exists. Additional reality: You are smart and capable of many things!! You have the knowledge and skills to get marketing/social media manager jobs thanks to your TH-cam experience. It’s a hot job market! Data analytics? You could find something. Healthcare? You could find something. Expanding on your current role? I don’t know enough to say. Part time minimum wage job to tide your funds over? Easy peasy. You have emergency savings for a reason. How long could that last you if you tightened up your budget? Could you find a full time job during that time. I bet a while and yes!
What do you think about doing a video on finances within a marriage? It would be super helpful to see how you do this in real life. Joint accounts? Separate accounts? Handling conflicts on money and savings goals? Etc.
I'm not married and we don't do joint finances!! Pretty easy 😂 But I can talk about finances in a relationship in general and setting goals together etc
1. LOVE your hair!
2. Thank you for your vulnerability and openness. I deeply appreciate you talking about these touchy topics
🥰🥰
I love these videos, so transparent and real! You totally deserve the purse 👜
I always look forward to your comments♥️
Hi Carter, thanks for sharing! I find myself in the same situation having spending guilt on myself. Something I’ve found that helps is getting rid of or donating things I no longer use whenever I am going to buy something new. For example: I am going to buy a new pair of sneakers soon and I am already planning to go through my shoes and donate at least 1 or 2 pairs that I no longer use. This helps me to know that im going to definitely use my new item and that the dollars I spend will be well worth it…I hope that helps! 😊
I do the same! If I want something like new shorts I donate the old! Or I try and donate a book for every new book I bring home!
I always thought I was the only one with huge spending guilt issues!! As usual love the transparency and financial support/knowledge!
No you aren't alone!!!♥️♥️
I have tons of money guilt! I'm constantly comparing myself to other people and what they're making/spending. The best method I've found is to use goals to treat myself. That way when I look at an item, I don't feel guilty for spending the money. I feel proud for accomplishing whatever I did to get it!
I do the same! I typically set savings goals and reward myself when I him them! But life isn't always like that, there will be spontaneous items you want & I'm trying to rewire my brain to know it's OK for spontaneous things to come out as long as it's well thought out/budgeted for!
I have AWFUL spending guilt, but one thing I do that helps a lot is budgeting that money for myself. If its in my budget, then I know I can afford it, so I feel less guilty about it. I know you already do that, but I find reminding myself of that helpful!
Love that!!!
KITCHENS SELL HOMES💯
But seriously they do!! Houses in our area are going for 50k more just with renovated kitchens.... 11k of work to make almost 40k.... automatic yes🙌🏻
I have had HUGE spending guilt related to spending my Income Tax Refund Money This Year! 🙃
Yay! So happy you’re doing an IKEA kitchen! I’m an in-store kitchen planner, but I’m on vacay until next Tuesday
Maybe we'll bump into ya!!!
Self employed or not, anyone can lose their source of income overnight. Having a bit of fear isn't bad tbh but you should also enjoy life and your earnings! I have money related guilt sometimes too. The way I deal with it is by scheduling my big purchases if that makes sense lol. Like let's say I want a pair of sneakers, I'll just tell myself that I'll get that pair next month. That way I look forward to it and don't end up spending extra on other things and also don't end up feeling guilty since it was a planned purchase lol. But ofc do whatever works for you :)
I totally agree- anyone can lose their income! I do the same- schedule on big purchases but sometimes they are spontaneous & we din't see them coming and thats life! But love the way you deal with it!
The best way to deal with high purchasing guilt is to save for the purchase so for instance you want a purse that cost $200 well each paycheck put a little aside so you you can save for the purse and when you have saved the money. If you still want it then get if not put money in savings works every time. Cheers 🥂
Agreed, that is a great mindset to have! But I'm also rewiring my brain that it's okay OCCASIONALLY to treat yourself if you know you have the means to do so!
Personal Finance TH-camr from South Africa here and I looove your financial content Carter! I also suffered from Spender's guilt and was at one point obsessed with just saving just for the sake of seeing those balances go up and it just wasn't worth it cause I was putting in all this effort and not even rewarding myself for it. Still a work in progress.
This is my biggest struggle! I just want to see the numbers go up but won't reward myself on the way🥲
As someone who is constantly trying to shift their mindset, I think you should listen to some podcasts on money mindset and the difference in scarcity vs abundance. You could even try saying some affirmations in the morning and then again when you go to bed. It has really helped me shift my mindset and know that money is not something to be scared of or worry about and you should also know that money is energy and is something you can tap into at any moment so you should welcome it into your life. Hope that helps!
Ou do you have any good podcast suggestions??
@@CarterSullivan Sorry for this late reply but anything with Law of Attraction and the scarcity mindset in general has really helped me. It's hard because these are beliefs that stem from a young age so we have to rewire our beliefs. Middle Ground podcast is a duo of two people I found from social media and their podcast is not about LOA but they have one specific scarcity mindset podcast I really love. I also really love Haley Hoffman Smith. If you need any other suggestions let me know! :)
Loved this video and your thoughts on having the money prior to renovation. LOCs are great but not the same as having you own money. Are you Canadian or American?
We are Canadian!!
@@CarterSullivan 🥳🥳
The coach is so beautiful though and now you can use it everyday😭😭💖
Ok honestly it just came in the mail and I really love it 🥺♥️
@@CarterSullivan what does it look like can’t wait to see.
@@IveGotThisX2 just the disney x coach card holder on their site!! I'm unboxing in a vlog soon🥰
Create a budget item for "fun money" and allocate a small amount each month. I do this and use it to "treat myself" guilt free because I segmented that money specifically for fun/"splurges"
I already do that! I just find it hard with bigger purchases!
Recently quit my job with no prospect of a new one . My husband makes enough for both of us . And I should be basking in the life of a stay at home wife , with no financial stress but I can't. Now my mind automatically goes to what if something happens to my husband he can't work . This money anxiety is not good for us Carter 😭 , we too young to be so stressed and anxious about money . It comes and goes , and I think we'll be fine 🙂. Get the purse sis and show us when you do !!!!
I agree!! We are too young to be stressed about it! Money comes and money goes🙌🏻
I definitely understand the spending guilt, I have my emergency fund, I own my car out right, I work full time and I still returned my fit bit as I could not justify the purchase.. makes no sense 🤔 sounds like you are struggling with fight or flight and you are constantly in the flight mode constantly running towards security and safety x 💗
Happy but also sad to not be alone I'm this! We should be able to spend without guilt as long as we do it responsibly♥️
hey Carter, I just had a question hopefully you answer haha but since you are self-employed with TH-cam how do you do your taxes on them. Is there a certain way you do it or do you have someone else do it for you?
You can do either- do them yourself or have someone do them! I personally do them myself mainly because as long as you keep track of your income/expenses throughout the year it's pretty straightforward! But alot of people have accountants do it!
I live for your finance videos😁Spending guilt is so real I'm exactly the same I can never spend money on myself.I loved this video I say get it girl u work so hard treat yourself.Im working on this myself
🥰🥰🥰
You obviously don’t have to answer but I’m curious, do you get lip filler or are you just naturally blessed? 😭❤
Those are just my lips 😅 I used to be so insecure about them growing up until I realized people pay money for filler haha!! All natural!!
@@CarterSullivan I totally get that. Lucky girl!!! 🤣
One thing I’ve heard from TFD is to use a percentage model for personal spending. Like if you got an unexpected bonus, spend 10% of fun or self gifts and then use the rest on financial goals.
On the spending guilt thing... I definitely get it a lot but give yourself grace and remember you're still so great with your money so you deserve to enjoy it! are you budgeting for fun/guilt free money?
Yes I already budget for it (you can see it in all my budget with me's) the issue is spending it😂
It never gets Easy, i got A LOT of debt when i got pregnant so the first year i got back to work was directed to paying the debt im into the 3rd year finally debt free, a wealthy baby Boy 🌟🌻💚 but i still strugle to get something for myself. Take It one step at a Time.
Thank you for this!! Glad to hear you're doing well🥰♥️ So inspiring!
Hi just here to say you deserve the purse!! I totally get it though, I also can have a hard time justifying spending on myself, sometimes on things that aren’t even expensive! But then gifts for people I care about? Not a single hesitation lol. The struggle is real 🤪
OMG SAME GIRL I love buying things for others but not myself apparently haha
Get the purse girl - enjoy your hard work a little. You know your in a good position to spend it - enjoy it while you can.
You can always get it and then be a little more savvy the next month to make up for it 💜 love your content
That is so true!! ♥️
This might be dumb of me, but if you're planning on moving in the next couple of years, why throw down so much extra money towards the mortgage, even if there is a lower interest rate now?
There's no dumb questions! We don't plan on moving permanently- just for a year or so! We plan on coming back to this house, we aren't selling it or anything as of right now! If we were planning on selling it then yea we wouldn't be putting extra money into it but since we are keeping it we plan on it 😊
@@CarterSullivan ohhh gotcha! I never owned, so I was wondering if it was something to do with the price after selling and potentially how much you could owe or receive back depending on what it would sell for, but that makes a lot more sense. Definitely seems like you're doing the smart decision then ☺
Carter your contents are just amazing and I really loved it♥️♥️🥺
♥️♥️
Could you share some of your resources for your spending guilt? Fellow woman in the same boat here. And my bad relationship with money bleeds over into my relationship with my fiance, because I have such an unhealthy relationship with money,
I definitely think it's just something you have to work through over time. Read through the comments on this video, there's some great suggestions Marissa!
I grew up poor so I struggle soooo much. I am not kidding when I say I spend NOTHING. I refuse to get my nails done, I cut my hair once per year, I shop at goodwill for my clothes and feel like I can’t even buying an effing pen at Walmart 😬 My husband and I make multiple six figures. I never could find articles on it!! Thank you for this link!!!!
Haha I am the complete opposite I spend way to much and have been working on not overspending. Love your videos.
We all have things to work on! You got this!!
I can relate! My hubby bought me a Samsung watch for our 5th anniversary and I just can't use it. I insist on taking it back meanwhile we are done payoff debt 🙈 #itshardtotreatyourself
So hard!!!! But it is nice to not be alone BUT we also deserve nice things! ♥️
You will want to save up a moving fund. You will need a security deposit and first months rent in many area's in your apartment rental. Also Rentals have really increased over the year, esp in FLA, so you should really see what 6 months of expenses and rent and security will cost. PS I love my coach purses. I wear them all the time and they hold up. I bought three $50 purses that looked like crap after 6 months, before I spent 300 on a coach purse that looks like new still 2 years later. Think about price per wear.
Yes we are very aware of moving costs however we won't be setting that up until we speak more with our immigration lawyers & make a concrete plan 😊 Some other financial goals to accomplish first!
Spending guilt might never go away and it’s worth celebrating the little wins you have when you feel like you can splurge on something. Get the purse!
I agree!! 🥰
I know you said you are aware of ramsey, have you read 'know yourself, know your money' by rachel cruze? It might help in your journey with healing your relationship with money :)
I actually have distanced myself away from the Ramsay family haha I don't really support their values & practices anymore!
To help with my spending guilt i've set a percentage of savings per month that i want to acheive; for me its 55% of my income that i save each month, and whatever is left after my expenses and savings, i keep in a seperate account for when i want to treat my self guilt free :)
That's awesome- I love that for you!
Thanks for always being so real with what you post!! Spending guilt and healing your relationship with money is such a legit thing to work on, and I’m so thankful you brought it up so I don’t feel alone in that 🤍 you’re awesome girl!!
Aw thank you, so glad the content resonates with you🥺🥲♥️
Bob proctor said, sitting money is wasted space and blocks you from receiving your true desires