I'm 2,5 months into low buy, and i'm significantly less sad, bc it forced me to find better ways to deal w anexiety and sadness than buying useless crap
People never think long-term. The people saying it's sad, don't stop and think how temporary living on 50% income, would be. They don't think how after that difficult period, things will be even easier than before they started that cut. They won't have debt! It'll be wonderful after that period, like you said at the end.
thanks, Christina. My husband and I lived on a meager budget for several years to avoid going into debt. We had a good life anyway, and it set us up for how we can live now.
If all the things in life that bring me JOY also cost money…it’s time to check myself . Nature is free, hugs are free, conversations with the ones you love are free, laughing all night is free, staring at the stars is free…just my take.
Most people are too weak to make hard decisions like this. They're so used to instant gratification and material comfort, it's like a drug for them. No one should care about these addicts and their noise, at the end of the day you know you are making the right choice that will make you happier and freer in the long run. Being in debt is hell, it's not worth the shopping trips and daily coffees.
I'd rather be spending minimal money on fun stuff for a year than be in debt for like 10 years. She's not got a "sad lifestyle" - she's got her priorities in order 😂
I’m a shopping addict and while I used to mostly go Thrifting and look for things on Facebook marketplace, I had to cut down. Lately, I realized I have a lot of art supplies (drawing and painting is my hobby along with other crafty things). So I decided to give that a go and it’s going very well, I’m improving my watercolor technique, and I’m going to practice drawing more. Other people can do something like this. If you shop a lot, you are very likely one of those people, who has 1 million of these pretty journals. Put them to good use. Maybe start journaling, maybe use those to answer questions that will help you get to know yourself, you could even make an aesthetic journal, scrapbooking using things that you already have. It’s much more rewarding than shopping because in addition to dopamine, you end up feeling like you achieved something rather than feeling guilty for spending money unnecessarily. There are so many things one can do with what they already have.
For 8 years my husband and I lived like this. We started out living in the loft above his parent’s garage. After 3 years we were able to purchase a small condo. We didn’t stop that lifestyle. Only paid for what was necessary. No vacations other than small weekends to go fishing. In 2021 we were able to purchase our house, and we still continued to live as far below our means as possible. At the end of last year, my husband made partner at the CPA firm he works for. The only debt we have is our home. This is the first year we’re getting a real vacation, and we’re starting to compile what we need to renovate our very old kitchen. It takes patience and perseverance. In that time we also had our first child, which was its own set of challenges. He’s healthy and we’re in the best position financially we’ve ever been and reaping all the rewards.
As you say, envision your life without debt- without the angst, anxiety, guilt, fear, etc that goes with debt. Envision doing things you want to do because you have the money to do them- going into debt for a closet full of clothing and shoes, a nice car, trendy/current home decor and furniture, fancy home and the like will not bring you the joy that being debt free will, which can allow you to travel (more), broaden your horizons and opportunities via continued education, etc
I’m living frugally so that I can pay off my private student loans (PSLF for federal). To me, it’s worth it. When I’m debt free, I’ll be able to go on more travel and buy things I want more often. It’s just how I choose to live right now.
If you don’t wanna increase your income-which involves working EVEN more, when most of us are already working too much for too little pay-then decreasing expenditures is actually a softer approach. I don’t understand how someone wouldn’t understand that short-term sacrifice is required for long-term goals, financial or otherwise
This is so true. Last year I spent the entire year putting 80% of my income towards paying off all my debt. I knew if I stuck it out for a year, all my debt would be paid off and I wouldn't have to worry about it or have to deal with the consequences of debt any longer than I needed to. It was a tough year, but I'm so proud of myself for going through it so that future me doesn't have to deal with debt.
We saved throughout our lives when my husband became ill we went through it all. Now living on retirement has taught me to live frugally and its o.k. we don't need all the extra stuff
Once shes out of debt shell be living very well, my husband and i have always lived pretty minimally and it has kept us out of debt. Its a matter of being realistic and realizing u dont need a 50$ pair of leggings, the 15$ ones from walmart work the same.
My mother, who had to deal with a lot of debth incurred by my father's gambling addiction, taught us that there's nothing better than to lay your head on your pillow at night knowing you don't owe anything to anyone and no one will come knocking on your door asking for due payment. Both my sister and I have lived by this motto all our lives, and you know what? My mother was right. "Stuff" doesn't fill that hole in your heart, people.
I was ill for two years - and because I wasn’t living my normal life the credit card and income insurance I received allowed me to save and pay off my credit card debt.
Living beyond your means or even just spending every dollar you have leaves you vulnerable (we aren’t talking about someone who is just barely getting by). If you lose your job, get sick or have an emergency, you don’t have any money get you through those rough times. Avoid debt and try to build up some emergency savings if possible. That peace of mind is anything but sad!
My husband and I did this while paying off his student loans. It taught us a lot of great lessons in frugality! We splurge a little more now, but still really value saving over excess
I’m totally good making my own morning coffee, packing my lunch, shopping, cooking and cleaning for myself and taking long walks at sunset with my dog for health and entertainment; and I’m totally fine with that. I live a blessed life in Northern California, and I’m grateful. It’s all perspective people, travel around the world a bit and check out what’s going on.
Years ago I went over a year without buying anything new other than groceries. And only purchased groceries if they were on sale, if I had a coupon and ate what we grew. Today we are debt free, it’s all about mindset. When you set a goal and have the mentality to see it through, it will happen. 😊
Dude if I no longer had a mortgage to worry about I would be the opposite of sad. Go her I applaud her discipline. I'm just trying to make extra payments when I can.
The sadness/depressed response Indicates a heart issue. Being content with what we have indicates an acceptance and thankfulness for what God has provided. Doesn't mean we can't strive to do bette but remembering that we're not in charge of the world. Being content means we don't equate are worth, our importance with stuff.
Let me tell you something; until you’ve tried living with little you will never know the peace, the tranquillity and the joy that you will discover. Unfortunately, people are obsessed with this belief that if you don’t spend as you wish you will be sad and depressed. Nothing could be further from the truth. I discovered it myself unfortunately way too late
I can't believe people thought saving was sad. Then they complain that they don't make enough money. Everyone across time has had to sacrifice. Get real.
It’s definitely eye opening at the beginning. It’s hard facing all the money and time wasted and breaking the habits/dopamine needs. I would say that it is sad but only because we are so used to convenience and abundance in America. My family is from India and having a few pairs of shoes is a luxury but maybe here you would be considered boring or unfashionable, but that’s also a message we are sold by corporations. I’m already appreciating what I have more
Gave up shopping for lent; (your advice, inspired me 😊) and honestly it has me really think about needs versus wants, the instant gratification really wears off. So much more worth it to think long-term.
Still need to shop for groceries and other essentials (in fact I would spend MORE time shopping for those, in order to get better deals). But yes clothes and luxuries can get minimised.
For me it’s about finding the balance of how much to give up and how long it will take. I can give up a lot for 6 months, but if it will take 3 years? I can give up a lot less, even if my goal is worthy
Thanks for the reminder...I'm definitely trying to be way more mindful of staying within my means and find joy in non material stuff... especially when I have so much stuff at home 😅
I’m debt free including the house - paid off ten years early when the Covid shit show first started. Saving 17.5 % into pension and between 35 and 50 % of net income. Holiday in the Maldives in November two trips to Spain and one to Egypt in a year. Stuff and handbags don’t mean a thing to me now.
I spend two years living minimally and working as much as I could. I paid off all my student loans, and could afford my first almost-beater car that still lasted me 10 years. Now I'm in a position to enjoy spending from time to time because of the sacrifices I made earlier and I'm so glad I did
I'm currently on a journey to become debt-free, and the mortgage is the last hurdle. It's disheartening that some people don't understand the importance of taking finances seriously.
Low Buy/No Buy can be quite 🎉liberating🎉. Being debt free is great peace of mind too. 🔁Switching our thinking from instant to long term gratification does take practice & discipline. It's like a 💪muscle we must build up to get stronger, but it is worth every effort. 🌈 It's important to look on the bright side of things in the process. A positive, hopeful mindset & attitude impacts everything. Being thankful for our blessings can also make a massive difference. 😊Thankful for creators like you who are thoughtful about their expenditures, wanting to reduce their impact on the earth 🌎, & exploring clever ways to ♻️refresh & recycle their style. Love that you ✨️spark✨️ creativity over consumption. Giving us encouragement to play & explore our wardrobes w/o spending a dime has opened up a world of possibilities for me. The joy that follows has been a big bonus! 💚Bridget from Cali☘️ (using my pal's YT acct)
I think learning to live your life without the need to spend all your money is pretty empowering actually! Being debt free is empowering too, it’s only a short term sacrifice for long term joy and freedom 🎉
I think it's sad to base your happiness on buying things. I mean typically if you are in debt it is because you've been living beyond your means (with the exception of student loan debt), so chances are, you already have more than you need. I am on a very low spend year and because I have not been so wise with my spending in the past, I already have so much stuff that whenever I even think about buying something I realize I don't need it.
That’s so sad people think that. Listen I love makeup and clothes but these are just extras, happiness doesn’t come from things or lavish experiences. Happiness is the absence of desire and just being present, I bet the girl in the video feels empowered and liberated.
it's a "sad lifestyle" that millions in our country experience. I'm one of them. I'd love to have nice things & perks, but my obligations (rent, bills, food, etc.) come first. Our country doesn't allow such a luxury for a majority of the population.
its not sad its reality.... We need to normalize living in what we can afford.... Not everybody is rich like what they portray in social media.... Stop spending on things you cannot afford....
My thing was always a "one BS payment"...meaning, ok, that's my BS payment. It's OK. When whatever that thing is paid off, that frees up my BS payment and then I can buy something else cool that I technically don't really need.
Chinese proverbs goes, 'First sacrifice, then sweet.' Wait till they see these people who are later debt free, own multiple homes, can retire early and their kids have no uni debt...
Having a lot of money doesn't necessarily make you happy. And while being really poor might be a daily struggle, just cutting back for quite some time doesn't necessarily make you sad. Life is so much more than money. Spouses, friends, kids, experiences, that's what makes us really happy, not money and things. I rather feel sad for everybody who doesn't have that or doesn't even know that.
No one isnt saying that this ismt smart, its just fucking depressing that you have to basically cut joy out of your life for months or years in order to pay off shit like medical debt
I'm 2,5 months into low buy, and i'm significantly less sad, bc it forced me to find better ways to deal w anexiety and sadness than buying useless crap
People never think long-term. The people saying it's sad, don't stop and think how temporary living on 50% income, would be. They don't think how after that difficult period, things will be even easier than before they started that cut. They won't have debt! It'll be wonderful after that period, like you said at the end.
My debt is stopping me from following my dreams. That's sadder than aiming to live debt free (which we are doing).
thanks, Christina. My husband and I lived on a meager budget for several years to avoid going into debt. We had a good life anyway, and it set us up for how we can live now.
If all the things in life that bring me JOY also cost money…it’s time to check myself .
Nature is free, hugs are free, conversations with the ones you love are free, laughing all night is free, staring at the stars is free…just my take.
Exactly my thoughts! It is appreciating these little things about life what make you feel fulfilled.
Most people are too weak to make hard decisions like this. They're so used to instant gratification and material comfort, it's like a drug for them. No one should care about these addicts and their noise, at the end of the day you know you are making the right choice that will make you happier and freer in the long run. Being in debt is hell, it's not worth the shopping trips and daily coffees.
Ah, the poor are the problem, surely it's not the horribly exploitative businesses, hospitals, and universities that put people into horrible debt
I'd rather be spending minimal money on fun stuff for a year than be in debt for like 10 years. She's not got a "sad lifestyle" - she's got her priorities in order 😂
She's killing it
I’m a shopping addict and while I used to mostly go Thrifting and look for things on Facebook marketplace, I had to cut down. Lately, I realized I have a lot of art supplies (drawing and painting is my hobby along with other crafty things). So I decided to give that a go and it’s going very well, I’m improving my watercolor technique, and I’m going to practice drawing more.
Other people can do something like this. If you shop a lot, you are very likely one of those people, who has 1 million of these pretty journals. Put them to good use. Maybe start journaling, maybe use those to answer questions that will help you get to know yourself, you could even make an aesthetic journal, scrapbooking using things that you already have. It’s much more rewarding than shopping because in addition to dopamine, you end up feeling like you achieved something rather than feeling guilty for spending money unnecessarily. There are so many things one can do with what they already have.
For 8 years my husband and I lived like this. We started out living in the loft above his parent’s garage. After 3 years we were able to purchase a small condo. We didn’t stop that lifestyle. Only paid for what was necessary. No vacations other than small weekends to go fishing. In 2021 we were able to purchase our house, and we still continued to live as far below our means as possible. At the end of last year, my husband made partner at the CPA firm he works for. The only debt we have is our home. This is the first year we’re getting a real vacation, and we’re starting to compile what we need to renovate our very old kitchen.
It takes patience and perseverance. In that time we also had our first child, which was its own set of challenges. He’s healthy and we’re in the best position financially we’ve ever been and reaping all the rewards.
Cutting your living expenses voluntarily is not sad. Sad is when you just don’t have enough money to cover the necessities of life.
As you say, envision your life without debt- without the angst, anxiety, guilt, fear, etc that goes with debt.
Envision doing things you want to do because you have the money to do them- going into debt for a closet full of clothing and shoes, a nice car, trendy/current home decor and furniture, fancy home and the like will not bring you the joy that being debt free will, which can allow you to travel (more), broaden your horizons and opportunities via continued education, etc
I’m living frugally so that I can pay off my private student loans (PSLF for federal). To me, it’s worth it. When I’m debt free, I’ll be able to go on more travel and buy things I want more often. It’s just how I choose to live right now.
If you don’t wanna increase your income-which involves working EVEN more, when most of us are already working too much for too little pay-then decreasing expenditures is actually a softer approach. I don’t understand how someone wouldn’t understand that short-term sacrifice is required for long-term goals, financial or otherwise
big ups to this take! priorities first!!! also, you look soooo pretty in this vid 😊
This is so true. Last year I spent the entire year putting 80% of my income towards paying off all my debt. I knew if I stuck it out for a year, all my debt would be paid off and I wouldn't have to worry about it or have to deal with the consequences of debt any longer than I needed to. It was a tough year, but I'm so proud of myself for going through it so that future me doesn't have to deal with debt.
We saved throughout our lives when my husband became ill we went through it all. Now living on retirement has taught me to live frugally and its o.k. we don't need all the extra stuff
Once shes out of debt shell be living very well, my husband and i have always lived pretty minimally and it has kept us out of debt. Its a matter of being realistic and realizing u dont need a 50$ pair of leggings, the 15$ ones from walmart work the same.
Sad? Sad I was when I had to open my banking app and see my balance and my credit card bill. That is sad.
Living in a beautiful rural area makes a huge difference to me. There is so much I can enjoy without spending money.
Being debt free is awesome especially being retired. It makes our retirement funds last so much longer when we aren't paying off high interest debt.
My mother, who had to deal with a lot of debth incurred by my father's gambling addiction, taught us that there's nothing better than to lay your head on your pillow at night knowing you don't owe anything to anyone and no one will come knocking on your door asking for due payment.
Both my sister and I have lived by this motto all our lives, and you know what? My mother was right.
"Stuff" doesn't fill that hole in your heart, people.
I was ill for two years - and because I wasn’t living my normal life the credit card and income insurance I received allowed me to save and pay off my credit card debt.
Living beyond your means or even just spending every dollar you have leaves you vulnerable (we aren’t talking about someone who is just barely getting by). If you lose your job, get sick or have an emergency, you don’t have any money get you through those rough times. Avoid debt and try to build up some emergency savings if possible. That peace of mind is anything but sad!
My husband and I did this while paying off his student loans. It taught us a lot of great lessons in frugality! We splurge a little more now, but still really value saving over excess
I’m totally good making my own morning coffee, packing my lunch, shopping, cooking and cleaning for myself and taking long walks at sunset with my dog for health and entertainment; and I’m totally fine with that. I live a blessed life in Northern California, and I’m grateful. It’s all perspective people, travel around the world a bit and check out what’s going on.
I agree about being outside and spending time with animals. Greetings from the Isle of Wight, England.
Years ago I went over a year without buying anything new other than groceries. And only purchased groceries if they were on sale, if I had a coupon and ate what we grew. Today we are debt free, it’s all about mindset. When you set a goal and have the mentality to see it through, it will happen. 😊
What is actually sad is the fact that financial responsibility & planning for the future is considered by small-minded people to be “sad”!
Dude if I no longer had a mortgage to worry about I would be the opposite of sad. Go her I applaud her discipline. I'm just trying to make extra payments when I can.
What’s actually SAD is never being able to retire because you have no savings and crippling debt you can never repay. THAT IS SAD.
Well said, Christina 👍🏼
The sadness/depressed response Indicates a heart issue. Being content with what we have indicates an acceptance and thankfulness for what God has provided. Doesn't mean we can't strive to do bette but remembering that we're not in charge of the world. Being content means we don't equate are worth, our importance with stuff.
Poor people are not always sad.
Let me tell you something; until you’ve tried living with little you will never know the peace, the tranquillity and the joy that you will discover. Unfortunately, people are obsessed with this belief that if you don’t spend as you wish you will be sad and depressed. Nothing could be further from the truth. I discovered it myself unfortunately way too late
I can't believe people thought saving was sad. Then they complain that they don't make enough money. Everyone across time has had to sacrifice. Get real.
It’s definitely eye opening at the beginning. It’s hard facing all the money and time wasted and breaking the habits/dopamine needs. I would say that it is sad but only because we are so used to convenience and abundance in America. My family is from India and having a few pairs of shoes is a luxury but maybe here you would be considered boring or unfashionable, but that’s also a message we are sold by corporations. I’m already appreciating what I have more
Gave up shopping for lent; (your advice, inspired me 😊) and honestly it has me really think about needs versus wants, the instant gratification really wears off. So much more worth it to think long-term.
Still need to shop for groceries and other essentials (in fact I would spend MORE time shopping for those, in order to get better deals). But yes clothes and luxuries can get minimised.
For me it’s about finding the balance of how much to give up and how long it will take. I can give up a lot for 6 months, but if it will take 3 years? I can give up a lot less, even if my goal is worthy
Thanks for the reminder...I'm definitely trying to be way more mindful of staying within my means and find joy in non material stuff... especially when I have so much stuff at home 😅
I’m debt free including the house - paid off ten years early when the Covid shit show first started. Saving 17.5 % into pension and between 35 and 50 % of net income. Holiday in the Maldives in November two trips to Spain and one to Egypt in a year. Stuff and handbags don’t mean a thing to me now.
I spend two years living minimally and working as much as I could. I paid off all my student loans, and could afford my first almost-beater car that still lasted me 10 years. Now I'm in a position to enjoy spending from time to time because of the sacrifices I made earlier and I'm so glad I did
I'm currently on a journey to become debt-free, and the mortgage is the last hurdle. It's disheartening that some people don't understand the importance of taking finances seriously.
Balanced outfit, outfit repeater, capsule wardrobe, capsule wardrobe staples, shop your closet, styling hacks, style guide, style an outfit, personal style guide, style tips, style hacks, style inspiration, closet inspiration, closet tips, style basics, outfit tips, outfit hacks, capsule wardrobe tips, capsule wardrobe tricks, downsizing, low buy,
Low Buy/No Buy can be quite
🎉liberating🎉. Being debt free is great peace of mind too. 🔁Switching our thinking from instant to long term gratification does take practice & discipline. It's like a 💪muscle we must build up to get stronger, but it is worth every effort.
🌈 It's important to look on the bright side of things in the process. A positive, hopeful mindset & attitude impacts everything. Being thankful for our blessings can also make a massive difference.
😊Thankful for creators like you who are thoughtful about their expenditures, wanting to reduce their impact on the earth 🌎, & exploring clever ways to ♻️refresh & recycle their style.
Love that you ✨️spark✨️ creativity over consumption. Giving us encouragement to play & explore our wardrobes w/o spending a dime has opened up a world of possibilities for me. The joy that follows has been a big bonus!
💚Bridget from Cali☘️
(using my pal's YT acct)
This!! Thank you Christina 🙏🏼💪🏼
You are absolutely correct ❤ I can relate with you
I think learning to live your life without the need to spend all your money is pretty empowering actually! Being debt free is empowering too, it’s only a short term sacrifice for long term joy and freedom 🎉
The fact that people think living in debt and check to check is the only way to live is such a bad omen...
Live life like no one else so later you can LIVE life like no one else.
Keep doing what you’re doing!
Love how did your makeup here
I think it's sad to base your happiness on buying things. I mean typically if you are in debt it is because you've been living beyond your means (with the exception of student loan debt), so chances are, you already have more than you need. I am on a very low spend year and because I have not been so wise with my spending in the past, I already have so much stuff that whenever I even think about buying something I realize I don't need it.
living this lifestyle of low but has actually given me more happiness.
That’s so sad people think that. Listen I love makeup and clothes but these are just extras, happiness doesn’t come from things or lavish experiences. Happiness is the absence of desire and just being present, I bet the girl in the video feels empowered and liberated.
it's a "sad lifestyle" that millions in our country experience. I'm one of them. I'd love to have nice things & perks, but my obligations (rent, bills, food, etc.) come first. Our country doesn't allow such a luxury for a majority of the population.
Well said!!!!
I'm sad I CAN'T do this. 50% is not enough to cover my bills. And 100% is not enough to cover food AND medical expenses. :T
Especially when being in debt costs money, sometimes quite a bit. So you'll have more money at the end
Well said🎉
Who is the creator that’s doing the no buy?
alexonabudget on Tiktok!
@@Christinamychas thank you!
Low or no buy is not depressing,for me.
I look at it as do I want to get out of debt,or dig myself deeper into debt buying more useless crap
its not sad its reality.... We need to normalize living in what we can afford.... Not everybody is rich like what they portray in social media.... Stop spending on things you cannot afford....
Thats how you get out of debt, how ever she must have an incredible income, Inuse more than 100% and I completely scrape and stretch things.
God, He's where the joy is!
life is short…just remember that
My thing was always a "one BS payment"...meaning, ok, that's my BS payment. It's OK. When whatever that thing is paid off, that frees up my BS payment and then I can buy something else cool that I technically don't really need.
Preach!
Being debt-free is better ...
Chinese proverbs goes, 'First sacrifice, then sweet.' Wait till they see these people who are later debt free, own multiple homes, can retire early and their kids have no uni debt...
Having a lot of money doesn't necessarily make you happy. And while being really poor might be a daily struggle, just cutting back for quite some time doesn't necessarily make you sad. Life is so much more than money. Spouses, friends, kids, experiences, that's what makes us really happy, not money and things.
I rather feel sad for everybody who doesn't have that or doesn't even know that.
👏🏼 Bravo!
We are doing a no spend year. Stuff is not nessaey to be happy
I have 2 job's !
How dare you bring reality to the table.
Perhaps a little “sadness” now would help them appreciate the bountiful life later.
I'm sad that you're sad that that makes us sad.
No one isnt saying that this ismt smart, its just fucking depressing that you have to basically cut joy out of your life for months or years in order to pay off shit like medical debt
What channel is this from?
Alex on a budget on tiktok!
Do anyone know nickname of that creator? I really want to checkout her content
Alex on a budget
@@Christinamychasthank you ❤
Yup, sad. Stuff is not "all the joys in life".
What's the name if that creator?
Alexonabudget on Tiktok!
"sad lifestyle" and its just getting out of debt??