Most investors will always tell you that there's no better time to invest in the financial market than now. I've been into trading for quite a while now, and I must say it really goes with loss without the right approach and strategy. I have gotten to the point where I understand that strategy is a key element of a long term successful trading. You can keep making wins at the beginning of a period and later you start recording losses toward the end of the trading period or even halfway. This results from little or no attention to the need for sustenance and consistency with the prevailing market structure. I've earned impressive profits so far this month trading with Dr Huffmantradingservices strategies and working with he's trading signals and I do that through he's registered trading investment company. You may never find it easy trading on your own. If you are tired of losing so much money, I recommend her. he's a really good trader.: @ *+1..2..0..9..8..1..0..6..8..0..8*
The only catch is if you will ever live to enjoy that money! My coworker who was very well off just passed away at 41 years old. She was unmarried and had no children so all her wealth accumulation goes to waste and someone else will enjoy it!
@@jon6309the probability that you will live or die is not 50/50. The probability you live is higher so bet on that. You will only die due to some unfortunate events or old age.
Yes, I immediately laughed out loud. Idk why that was my instant reaction. There it is. Right there. The core of my problems. I knew it was ME, but couldn't define it. My world has been forever changed from that statement alone. 💥🎆
One of the biggest changes that has helped me spend less is getting off social media and unsubscribing from email lists of stores and restaurants. It easier to not spend money when you don't have other people waving what they have in your face or being alerted of sales on things you don't need.
Most investors will always tell you that there's no better time to invest in the financial market than now. I've been into trading for quite a while now, and I must say it really goes with loss without the right approach and strategy. I have gotten to the point where I understand that strategy is a key element of a long term successful trading. You can keep making wins at the beginning of a period and later you start recording losses toward the end of the trading period or even halfway. This results from little or no attention to the need for sustenance and consistency with the prevailing market structure. I've earned impressive profits so far this month trading with Dr Huffmantradingservices strategies and working with he's trading signals and I do that through he's registered trading investment company. You may never find it easy trading on your own. If you are tired of losing so much money, I recommend her. he's a really good trader.: @ *+1..2..0..9..8..1..0..6..8..0..8*
"toxic wormhole of conflating self-love with buying things" oof Self love is also taking care of your FUTURE self. Don't let your current self sabotage her.
✌️about 3yrs ago I started a no spend month and it turned into 3yrs and now I don't even call it a no spend, I call it an evolving frugal minamalist lifestyle. I was able to get a loan on a house and am working on paying the house off in 6 years or less. I make my own cleaning products, grow my own fruits and vegetables, buy reusables like a razor, a menstrual cup, an electric toothbrush, i only get refurbished phones, if something breaks or rips I make sure I get it second hand if possible. Good job to everyone trying to better themselves and move away from consumerism! ✌️🌱💚🎉
I’ve been doing low buy for a few years now, and did a no buy for about 6 months to kick start paying off my debt and addressing my shopping addiction. If anyone’s interested in this challenge, my biggest advice is to make sure you stay kind to yourself in this commitment. It’s very easy to feel like a “failure” if something happens outside the rules along the way. You got This! 🥰
I am currently doing a no buy month challenge and id forgot a subscription food box was coming up so it came out of my account. But it's ok. It's vegetables so at least it's healthy
Most investors will always tell you that there's no better time to invest in the financial market than now. I've been into trading for quite a while now, and I must say it really goes with loss without the right approach and strategy. I have gotten to the point where I understand that strategy is a key element of a long term successful trading. You can keep making wins at the beginning of a period and later you start recording losses toward the end of the trading period or even halfway. This results from little or no attention to the need for sustenance and consistency with the prevailing market structure. I've earned impressive profits so far this month trading with Dr Huffmantradingservices strategies and working with he's trading signals and I do that through he's registered trading investment company. You may never find it easy trading on your own. If you are tired of losing so much money, I recommend her. he's a really good trader.: @ *+1..2..0..9..8..1..0..6..8..0..8*
I think that this year has changed a lot of people’s outlooks on spending. Having so much uncertainty has made many of the people I know much more thrifty and creative with their finances. Thanks for sharing your story because a lot of us need some inspiration to continue into 2021 and beyond
Okay, an issue is a consumerist society that tells us we need to buy more to feel better. But the larger issue is a capitalistic society where a person consistently makes less than 13k a year, is in debt, and has to stop all discretionary spending just to have savings. We shouldn't fool ourselves into deprivation, we should demand higher wages.
Since you gave up so many unhealthy habits like snacks and alcohol, did you feel physically healthier too in addition to feeling financially healthier as well?
@@CinziaDuBois That's great to hear! Much admiration. I would love to do a no-spend year with my family to kind of just reset a lot of the bad financial habits we've accumulated over the years, but I'm fairly confident that would be vetoed in two seconds 😂
@@LoganAllec haha, you never know! There are always ways to break it down into baby steps like one month on and month off, or set certain categories you can't buy in but keep others in place. There are always ways to make it work for you and your family (: Best of luck if you go for it!
You're straying into capitalist apology, at least in subtext. We shouldn't have to live like monks while the .1% can make bad business decisions all day (carried by the people doing the real work below them) and still not have to think about whether they can afford to buy a second yacht. Consumerism can no doubt be a very addictive and unhealthy distraction, but we all deserve nice things sometimes. Be kind to yourself.
@@rubiesandstrawberries Labels r herd. Alternative ideology is a vast and varied ocean, but you do have 2 good keywords, I would add anarchism and class consciousness. th-cam.com/video/VjjZP-z-XIg/w-d-xo.html Here's some entertaining propaganda! Philosophy Tube is also amazing. Finding creators is hard because they don't please Our Lord the Algorithm, but Thought Slime plugs small interesting leftist projects at the end of every video...
I did this for about three years. And sadly spent crazy for the next two because I felt so restricted. It’s a great idea but next year I’ll give myself some small rewards in between. It’s fun to assess your life and see how you can grow and improve. Happy New Year!
Having a little budget to keep you sane and enjoying life is important imo. Doesn't have to be big. But even a guilt-free $20 allowance can go a long way (a drink to celebrate something, an extra coffee when you're feeling low this month, a book to enrich your hobbies). At the end of the year, you're out $240. But assuming you're not living pay check to pay check... what it means in the grand scheme of things is that you'll take 13 months instead of 12 months to hit your saving goals. Yea it adds up over the years, but there's a balance between total restriction and adding a couple of months to reach a goal in favour of some comfort.
Most investors will always tell you that there's no better time to invest in the financial market than now. I've been into trading for quite a while now, and I must say it really goes with loss without the right approach and strategy. I have gotten to the point where I understand that strategy is a key element of a long term successful trading. You can keep making wins at the beginning of a period and later you start recording losses toward the end of the trading period or even halfway. This results from little or no attention to the need for sustenance and consistency with the prevailing market structure. I've earned impressive profits so far this month trading with Dr Huffmantradingservices strategies and working with he's trading signals and I do that through he's registered trading investment company. You may never find it easy trading on your own. If you are tired of losing so much money, I recommend her. he's a really good trader.: @ *+1..2..0..9..8..1..0..6..8..0..8*
I did this in 2020 kinda! My rules were no new clothes (only used), no buying “stuff” just for stuff, and no buying new makeup or skincare until I ran out. I didn’t limit my eating out budget because I didn’t feel it was a problem plus I value that time with friends and family. I slipped up a handful of times, but they were things that were meaningful and useful to me (a few examples include a baby yoda doll, a wig when I experienced hair loss, and a Nintendo switch at the beginning of the pandemic). I also didn’t limit entertainment and vacations because I value the experiences. All in all it was a great experience and I definitely plan to stick with the “only used clothes” rule for 2021!
So true. I've tried a few of them and found it expensive and not worth it. Especially if you dont have a very exotic taste. Much easier to just batch cook, buy in bulk, and meal prep.
For me, a meal kid saves me money. I struggle with meal planning and having it all in one spot in the fridge ready to cook makes it harder to justify getting takeout. It also means I don't go to the grocery store and impulse buy things I don't need. *shrug* to each their own, I say.
I feel like I've never really had an issue cutting back on some of these things because when I think about it; it was really unnecessary to begin with. I didn't need to keep up with the Jones' because I don't know many people I need to impress. (And some of the people you cut off may just end up being toxic people anyway.) Deep down, we all know that excessive alcohol is bad for you, exercise is good for you, and eating out is more expensive than eating at home. Once we just accept the facts as mentioned previously and don't feel pressured to have to do something because a colleague asked, it is so much easier being financially free.
Is this a story from Cinzia over at the Personal Philosophy Project? I've been following her no buy year videos and channel for a while! Highly recommend if you also like this channel👍
Hannah Louise Poston did a similar thing, she has a TH-cam channel. The first year was her no buy year, second year was a budgeting year, third year was a revised budgeting year with focus on having less stuff and her 2021 goals have yet to be announced.
Most investors will always tell you that there's no better time to invest in the financial market than now. I've been into trading for quite a while now, and I must say it really goes with loss without the right approach and strategy. I have gotten to the point where I understand that strategy is a key element of a long term successful trading. You can keep making wins at the beginning of a period and later you start recording losses toward the end of the trading period or even halfway. This results from little or no attention to the need for sustenance and consistency with the prevailing market structure. I've earned impressive profits so far this month trading with Dr Huffmantradingservices strategies and working with he's trading signals and I do that through he's registered trading investment company. You may never find it easy trading on your own. If you are tired of losing so much money, I recommend her. he's a really good trader.: @ *+1..2..0..9..8..1..0..6..8..0..8*
I relate to this. I was always very careful with my money because for a long time I was studying at Uni with a small stipend from my parents and some extra money from tutoring. Then in 2018 I doubled my income with some extra jobs here and there. Yet my savings were even less than the years where I would earn a pittance and that's because my spending doubled that year, partially because I kept watching beauty youtubers (that pressure to mindlessly consume coming from them is very real). Looking at the end of year savings on my budgeting app was a wake up call. Now this year I've doubled my income because I finally started working on my actual career and I've been very careful not to fall victim to the "lifestyle creep" that often happens when you see your income increase. Hopefully, this trend will continue on to 2021 despite the fact that I'm moving out of my parents house to a different country.
This comment was a good reminder to me about that “lifestyle creep” and to not let it happen unnoticed. Congrats on moving abroad - stick to your budget like you normally would, and you’ll be good!
Randomly found this comment that I forgot I wrote a year ago and if anyone is interested, I actually managed to save 55% of my income in 2021, despite having far more bills to pay than what I was used to in previous years. So yay for successfully not having lifestyle creep, I guess. 😆
Books are something I will always buy lol. I don't know why socializing always equates to spending money. I mean, yes, it is nice to go out for lunch or coffee with friends (pre-COVID I was part of a meetup group that met once a month), but I am also content to just hang with a friend at their place or mine.
“The less you eat, drink and read books; the less you go to the theatre, the dance hall, the public house; the less you think, love, theorize, sing, paint, fence, etc., the more you save-the greater becomes your treasure which neither moths nor dust will devour-your capital. The less you are, the more you have; the less you express your own life, the greater is your alienated life--the greater is the store of your estranged being.”
@star stuff You definitely have some points there. Although I will say that on the book side of things, you can definitely read books that you have already accumulated or go to the library.
I thought of this quote too. In the video she says "although having a lot of friends is great - it's excessive" That's a depressing and joyless way of thinking.
@@Opalthreads I thought what she meant by that was the *way* she was spending time with her friends was excessive. You can hang out for free in a multitude of ways, going out for coffee with them almost every day then, could be considered excessive and arguably a lot less fun than mixing it up with a variety of no cost alternatives!
I am still on my no buy year that I started in March of 2020, when quarantine hit. I had a problem with buying too many "pretty things" that would make my life look like a curated instagram version of a life. Clothes, books, make up and shoes where my biggest areas of Spending. Since I ended up wearing sweatpants and hoodies only and was already cooking most of my meals myself by the time covid hit hard, I decided to go cold turkey and do a no buy year. I am so glad I did because Covid drained my emergency fund entirely and that way I was able to still afford a living on my own. I tracked my spending for the paßt 2 years and I am excited to see the results!
I quit shopping for more than 5 years and I have absolutely no regrets. And, I am not wearing any worn out clothes either, because the amount of clothes that I have can last for another 5 years without shopping. Moreover, I keep on throwing away my worn out clothes every 6 months. Surprisingly, I still have a few more hundred of new unused clothes. That is how bad a hoarded my mother and I were. 😅
I hadn‘t even planned to cut down on my shopping but was forced to do so due to Covid19. And not for lack of money either but for lack of opportunity.Not much left to spend money on with Shops, Restaurants, Cinemas and theatres closed for most of the year and no foreign holidays either. What surprised me most was how little I missed it. With most of the casual distractions gone, I started reading books again, talking to friends one the phone one at a time instead of meeting a crowd, cooking my own meals (learning some new recipes), following classes in various subjects online- it changed my life. Even when things will be back to normal again, I‘m planning to stick to many of my new routines, life can be so much better with less casual spending.
Thank you for making this video. It came just at the right time for me; I have a very low income currently but no loans or debts. My ability to save money is completely in my own hands.
I'm thinking of this at least for January. I'll have some different rules. I'm focusing mostly on intentional purchases. Researching where things are made and ethical practices. I work with a fair trade accessory company and its really convicted me to shop ethically in more areas of life.
TH-cam just started showing me videos from the Personal Philosophy Project and this is just like her journey. Thank you for sharing this concept with TFDs audience it came at the perfect time!
Love this! One of my NYR is to only buy second hand clothes for an entire year (with the exception of undergarments, shoes, accessories/jewelry, outerwear, and workout clothes)
Instead of making strict rules, just track everything you buy for a couple of months, then compare your income vs expenses and see where you can cut your expenses down. Once you’ve got a good grasp of how much money you need for savings and necessities, just allocate % for fun spending
This essay reminds me of the book called The Year of Less by Cait Flanders. It inspired me to do a low buy year, but I’m allowing myself to spend at most $30 on shopping each month. I tried to go cold turkey, but ended up relapsing hard.
How did she afford rent during this year? Inspiring from a savings perspective but not very helpful from a budgeting perspective. Would also have liked more details on how she adjusted her social life to spend less
I need to do a no spend year in 2021. I need my $800 credit card paid off, I have a new car that I owe $28,700 on, and the husband and I just got a house a couple weeks ago! Which we’re going to owe $135k on so I’m 22 and neck deep in debt and can’t forget about taxes either so I could really benefit from not spending next year. Thanks for reminding me.
Amy way you could rentabilize some of your possessions? Declutter and sell on second hand apps, rent out a room in the home if it's just you and hubby etc... That would be a huge help.
@@f.-j.j.5738 Love those ideas, I’m actually already a Mercari user and try to sell as many items not being used in my home for extra cash, my income isn’t incredibly low anymore but this helps. As for renting out a room in our home, we’ve got a coworker who wants to live with us temporarily so this really helps too. I appreciate the time you spent commenting.
she lives in the UK, it was translated to $ for the US audience, however, her earnings are quite low for EU standards (no offence C.) does have several vids on this topic, what has helped her (like spliting the housing costs with her partner etc.). Therefore it is even more amazing and very inspirational how she is able to make it work.
This just made my day. Great video! I was in the same boat constantly buying things. Plus having apps and emails always popping up for shopping was killing me. I am doing this for the new year. Just quit buying unnecessary things and worry about my future finances.
When I was a child, my family only could go shopping for necessary things once a year. How privileged are the people who can "quit shopping" and call it "hardcore".
You never know where life will take you. Some begin life with privilege and some end life with privilege. Some never have it at all. The point is there are billions of people in this world and therefore countless possibilities. You may find yourself with an income that allows you to spend more than you ever did before- but like anything if it’s not in moderation it can severely impede on your life and health.
Whoa! This video is perfect timing and I agreed with mostly everything. I tried a "No Buy" Year in 2019 but I gave up in July. I attempted a "Low Buy" Year this year but I still managed to go over budget most months. I'm like her, hardcore or nothing. I am again going to attempt a "No Buy" Year in 2021 in order to reach my debt-payoff goal of $26,000. :)
For some reason, I'm the opposite. I literally was carrying all of my life savings in my savings account; roughly $300k. 3 months ago I started investing but most of the money is still in my savings account.
it's amazing how a master's degree still lands you a minimum wage job like this girl. When I finished my undergraduate program, I realized the whole higher education system is a big scam and not worth the time and cost. I have a degree in Finance and even with internship experience it was not enough to start off at a mid- level paying job so I started off as a teller which didn't require a degree. After a year of experience I applied for a back office position at another back and transferred over to an associate position which feels more like an overpaid administrative clerk but I am not complaining because the pay is decent, the work is easy and it's so flexible I have so much time and energy for myself that I am no longer motivated to get a harder job because the pay increase would not justify the amount of stress and work compared to what I am dealing with now. I don't have any student debt and paid cash while I was in school so I am able to save a lot of money. I also am looking to cut back on spending for clothes because I work from home most days and can get away with wearing a 10 year old faded t shirt and shorts while working from home.
I imagine my expense stats are similar - 45% and not much to show for it really. This will be hard but if I can do this I'll be so much better off at the end of next year. Perfect timing for this to drop also, at the start of a new year.
I'm doing a low-buy year, started November 2020. No fashion, beauty or decor items allowed. Basically, nothing unnecessary. I'm doing this because I'm 35 soon, have been working full-time since 18 and I have no savings to speak of. What I do have is a wardrobe full to the brim with clothes, shoes and bags. I'll admit it's been difficult so far because of the constant advertisements shoved in my face every day; at train stations, on youtube, word of mouth. But I am still on track - I'd advise unsubscribing from media that makes you want to shop and avoiding shopping centers/webstores unless essential.
after watching so many videos I feel that although the income is less in my country, India... it's easier to save more due to low expense. As a research student I get a fellowship of ₹31000 monthly and expense around ₹6000. So more than 80% I can save each month. And that's also in Mumbai, the costliest city in India. Here people don't usually go for coffee or outside dinner so frequently like US. But still I can afford at least 2 (even 3 if I choose cheap restaurants) outside dinner within that ₹6000 budget in a month. The best thing is that we don't have an expense for car. People even don't need it because of good public transport. But in US can maintenance and gas cost is a regular expense. But yaa, I hardly go for shopping. Probably it's more than 3 years ago I last went for festival shopping on a vacation. (excluding my electricity, laundry and water bill. Those facilities are provided free for students in my institute. Also there is no annual tuition fees. That is given by Govt.)
Thiz is so inspiring. Thank God i found your story and video. Thank you. I owe you my life... I want to try this.. I hope.. I hope... I will succeed too
I have a playlist all about this essay (I'm the author) and my friendships and relationship are still going strong! It's one of the questions I get asked a lot, so I discuss it in my videos on the topic (:
I think the consumptive lifestyle is just a mirror of what happen when we are kids. When we just a kid we thought stuff equal happiness and love so we keep buying them to make up for that. I ended having a room full of make up, skincare, 1 rack of full designer bags. But I think I'm gonna start stop spending for anything and face our "real emotional hunger" and also the reason is: that bunch of stuff didn't bring me nowhere
I agree with the most of it, we buy too much clothes which we can not even wear out, too much food which are not even healthy for us and so on but I think it's ok to spend some money for going to cinemas, theaters, concerts, museums, traveling although we cannot do it now 😭
in 2021 im trying to stop shopping clothes. I can only shop clothes/accessories second hand but I can buy other things. I feel like this will help a lot as a lot of my money goes to impulse buying a shirt online that I could have found for cheaper second hand.
I wish I could get a coffee every day with my friends. But they’re all over the world now... anyway to save money we used to invite each other to our houses.
My husband and I hit a hard spot a year ago and did this exact thing. We were over 20 000 in debt. We both earn slightly higher than minimum wage. So we made a plan: No spending frivolously, no luxuries, only necessities, 75 euros to spend per week. In the beginning it was hard, but eventually we would end the week with 4 euros left in our pocket lol. I think we went to the theatre once in that whole year. I picked up every shift they offered so I managed to earn 500 euros extra every month. I went from 45 euros foundation to 11 euros with the same results. Same with food. Whatever Aldi had to offer, I'd buy it there. Within a year we were able to pay off an entire debt and save up 6000 euros. It seems impossible, but we did it. Even though we reached our goal, I still have that no spending mindset. Once you get there, trust me, you won't buy anything you don't need.
I’m so tempted to do this!! I just put my 2021 financial goals up on my channel and a no spend year would definitely help with my goal of increasing my investment pot! I hope everyone has a happy healthy 2021!
Wow a TFD video about someone who worked a minimum wage job? It’s a goddamn miracle lmao. On another note I’m making more money this year than I’ve ever made, even while currently working retail because my job pays me very well. 23k a year seems like a lot when you’re only used to being paid 12k a year previously
the best thing anyone should do is tracking your spending with an app, track everything larger than $5. once you fully understand your income and spending, your behaviour will change!
I did something similar, but not that extreme. I went a whole year without purchasing clothes. It was pretty easy since all I wear is sweat pants now. Haha
If there is one personal benefit to the pandemic and social distancing, it would be that I stopped frivolous shopping. I funneled the cash that I'd normally spend on incidentals into my savings account. The experience has been eye-opening.
The only problem i see is cutting back so much on time with friends. I hope she still mad time to see them, maybe in their homes, for free? Go for walks? Friends (good ones that is) are important.
how did you explain this to the people around you? I’m not saying you need to justify your decisions to anyone but i’m sure people noticed so I’m curious to see what you said! thanks!
I know you didn’t ask for my opinion but in my personal experience when I’d do a no spend month most friends were okay coming over to my apartment to drink at home or to just watch some youtube videos and talk about life. Those friends who insisted we go out regardless of all the plans I had financially weren’t my real friends AND me being 22 and most of my friends being between 20 and 23 they don’t seem to know what it’s like being in neck deep debt. Some of them don’t own cars or live with their parents and I am in almost 170k debt because the husband and I bought a house, I have a new car and a credit card and pay bills and rent monthly on my apt till we move. So, if friends can’t understand that you’re trying to have a no spend year then I think you need to make new friends. It sucks when you have such a sentimental bond with somebody but do you need friends who can’t support you? Most people are jealous that you are financially smart and don’t want to see you reach your goals, or they’re incredibly irresponsible with money and just don’t understand. Meet likeminded people in 2021, engage in free activities, volunteer or join groups on social media. Church can also be good for some people when it comes to meeting friends I have heard.
@@MinimalistBosnian i’m glad you responded, thank you for taking the time to write this! Love your insight and good luck on all your future financial endeavors :)
@@LuckyCharms-lj2wl Why thank you hon! 😘 I wish you the best of luck with your new year financially, emotionally, spiritually, it’s gonna be a bounce back from 2020. ❣️
“My future deserves my finances more than any shop or company ever will.” 🙌🏼❤️
Most investors will always tell you that there's no better time to invest in the financial market than now. I've been into trading for quite a while now, and I must say it really goes with loss without the right approach and strategy. I have gotten to the point where I understand that strategy is a key element of a long term successful trading. You can keep making wins at the beginning of a period and later you start recording losses toward the end of the trading period or even halfway. This results from little or no attention to the need for sustenance and consistency with the prevailing market structure. I've earned impressive profits so far this month trading with Dr Huffmantradingservices strategies and working with he's trading signals and I do that through he's registered trading investment company. You may never find it easy trading on your own. If you are tired of losing so much money, I recommend her. he's a really good trader.: @ *+1..2..0..9..8..1..0..6..8..0..8*
The only catch is if you will ever live to enjoy that money! My coworker who was very well off just passed away at 41 years old. She was unmarried and had no children so all her wealth accumulation goes to waste and someone else will enjoy it!
@@jon6309the probability that you will live or die is not 50/50. The probability you live is higher so bet on that. You will only die due to some unfortunate events or old age.
Yeahhhhh!
Oh my goodness, I didn't realise my essay was going up today!! How exciting, a dream come true. Thank you, TFD! An honour to write for you x
Congrats! I love your YT channel, and I had a feeling I'd see you collaborate with TFD eventually. Yay!
@@sophiarodriguez3706 Aww, thank you, Sophia
✌️💚🎉
Ahh! I'm subscribed to you as well and thought this was just like your no spend year - then I see your comment lol! :)
I love ur channel too!
Love this
"We choose to buy things because they represent the life we're not living but our yearning to live. We buy things to try to make up for it."
Thank you
Yes, I immediately laughed out loud. Idk why that was my instant reaction.
There it is. Right there. The core of my problems. I knew it was ME, but couldn't define it. My world has been forever changed from that statement alone. 💥🎆
@@meghanwebber4977 Yes that one statement was the clearest thing I've heard in a long time.
It’s called buying for the ‘fantasy self’. It’s a term that was coined by a blogger named Miss Minimalist.
Ouchhhhh it hurts
One of the biggest changes that has helped me spend less is getting off social media and unsubscribing from email lists of stores and restaurants. It easier to not spend money when you don't have other people waving what they have in your face or being alerted of sales on things you don't need.
Most investors will always tell you that there's no better time to invest in the financial market than now. I've been into trading for quite a while now, and I must say it really goes with loss without the right approach and strategy. I have gotten to the point where I understand that strategy is a key element of a long term successful trading. You can keep making wins at the beginning of a period and later you start recording losses toward the end of the trading period or even halfway. This results from little or no attention to the need for sustenance and consistency with the prevailing market structure. I've earned impressive profits so far this month trading with Dr Huffmantradingservices strategies and working with he's trading signals and I do that through he's registered trading investment company. You may never find it easy trading on your own. If you are tired of losing so much money, I recommend her. he's a really good trader.: @ *+1..2..0..9..8..1..0..6..8..0..8*
I 💯 agree with this
A no spend year is exactly what I need to do in 2021. I really want all to be debt free by the end of 2021
this is my goal for the year too!
Me too on the debt freedom! We got This!
You've got this!
Do it!! Being debt-free will feel WAY better than any purchase this year could make you feel! 🙌🏼
Me too!!!
"toxic wormhole of conflating self-love with buying things" oof
Self love is also taking care of your FUTURE self. Don't let your current self sabotage her.
✌️about 3yrs ago I started a no spend month and it turned into 3yrs and now I don't even call it a no spend, I call it an evolving frugal minamalist lifestyle. I was able to get a loan on a house and am working on paying the house off in 6 years or less. I make my own cleaning products, grow my own fruits and vegetables, buy reusables like a razor, a menstrual cup, an electric toothbrush, i only get refurbished phones, if something breaks or rips I make sure I get it second hand if possible. Good job to everyone trying to better themselves and move away from consumerism! ✌️🌱💚🎉
I’ve been doing low buy for a few years now, and did a no buy for about 6 months to kick start paying off my debt and addressing my shopping addiction. If anyone’s interested in this challenge, my biggest advice is to make sure you stay kind to yourself in this commitment. It’s very easy to feel like a “failure” if something happens outside the rules along the way. You got This! 🥰
Love your channel!
✌️💚🎉👑
I am currently doing a no buy month challenge and id forgot a subscription food box was coming up so it came out of my account. But it's ok. It's vegetables so at least it's healthy
Most investors will always tell you that there's no better time to invest in the financial market than now. I've been into trading for quite a while now, and I must say it really goes with loss without the right approach and strategy. I have gotten to the point where I understand that strategy is a key element of a long term successful trading. You can keep making wins at the beginning of a period and later you start recording losses toward the end of the trading period or even halfway. This results from little or no attention to the need for sustenance and consistency with the prevailing market structure. I've earned impressive profits so far this month trading with Dr Huffmantradingservices strategies and working with he's trading signals and I do that through he's registered trading investment company. You may never find it easy trading on your own. If you are tired of losing so much money, I recommend her. he's a really good trader.: @ *+1..2..0..9..8..1..0..6..8..0..8*
Would love to know what percentage of your debt you cleared this way?
I think that this year has changed a lot of people’s outlooks on spending. Having so much uncertainty has made many of the people I know much more thrifty and creative with their finances. Thanks for sharing your story because a lot of us need some inspiration to continue into 2021 and beyond
Okay, an issue is a consumerist society that tells us we need to buy more to feel better. But the larger issue is a capitalistic society where a person consistently makes less than 13k a year, is in debt, and has to stop all discretionary spending just to have savings. We shouldn't fool ourselves into deprivation, we should demand higher wages.
Since you gave up so many unhealthy habits like snacks and alcohol, did you feel physically healthier too in addition to feeling financially healthier as well?
I did (: I'm going into my third year if no-buy now
@@CinziaDuBois That's great to hear! Much admiration. I would love to do a no-spend year with my family to kind of just reset a lot of the bad financial habits we've accumulated over the years, but I'm fairly confident that would be vetoed in two seconds 😂
@@LoganAllec haha, you never know! There are always ways to break it down into baby steps like one month on and month off, or set certain categories you can't buy in but keep others in place. There are always ways to make it work for you and your family (: Best of luck if you go for it!
@@CinziaDuBois Thank you!
@@CinziaDuBois so cool to see this is your story! i just became a subscriber last week :)
You're straying into capitalist apology, at least in subtext. We shouldn't have to live like monks while the .1% can make bad business decisions all day (carried by the people doing the real work below them) and still not have to think about whether they can afford to buy a second yacht.
Consumerism can no doubt be a very addictive and unhealthy distraction, but we all deserve nice things sometimes. Be kind to yourself.
Such a good point
@@rubiesandstrawberries Labels r herd. Alternative ideology is a vast and varied ocean, but you do have 2 good keywords, I would add anarchism and class consciousness.
th-cam.com/video/VjjZP-z-XIg/w-d-xo.html
Here's some entertaining propaganda! Philosophy Tube is also amazing. Finding creators is hard because they don't please Our Lord the Algorithm, but Thought Slime plugs small interesting leftist projects at the end of every video...
I did this for about three years. And sadly spent crazy for the next two because I felt so restricted. It’s a great idea but next year I’ll give myself some small rewards in between. It’s fun to assess your life and see how you can grow and improve. Happy New Year!
Having a little budget to keep you sane and enjoying life is important imo. Doesn't have to be big. But even a guilt-free $20 allowance can go a long way (a drink to celebrate something, an extra coffee when you're feeling low this month, a book to enrich your hobbies).
At the end of the year, you're out $240. But assuming you're not living pay check to pay check... what it means in the grand scheme of things is that you'll take 13 months instead of 12 months to hit your saving goals. Yea it adds up over the years, but there's a balance between total restriction and adding a couple of months to reach a goal in favour of some comfort.
Most investors will always tell you that there's no better time to invest in the financial market than now. I've been into trading for quite a while now, and I must say it really goes with loss without the right approach and strategy. I have gotten to the point where I understand that strategy is a key element of a long term successful trading. You can keep making wins at the beginning of a period and later you start recording losses toward the end of the trading period or even halfway. This results from little or no attention to the need for sustenance and consistency with the prevailing market structure. I've earned impressive profits so far this month trading with Dr Huffmantradingservices strategies and working with he's trading signals and I do that through he's registered trading investment company. You may never find it easy trading on your own. If you are tired of losing so much money, I recommend her. he's a really good trader.: @ *+1..2..0..9..8..1..0..6..8..0..8*
Very good point, it's like being on a restricted diet...you go mad afterwards.
This is exactly what I need to for 2021. Did a lot of meaningless clothing shopping in 2020 :(
I did this in 2020 kinda! My rules were no new clothes (only used), no buying “stuff” just for stuff, and no buying new makeup or skincare until I ran out. I didn’t limit my eating out budget because I didn’t feel it was a problem plus I value that time with friends and family. I slipped up a handful of times, but they were things that were meaningful and useful to me (a few examples include a baby yoda doll, a wig when I experienced hair loss, and a Nintendo switch at the beginning of the pandemic).
I also didn’t limit entertainment and vacations because I value the experiences. All in all it was a great experience and I definitely plan to stick with the “only used clothes” rule for 2021!
lmao when the stock footage of the school to signify paying off student loans is my actual college to which i owe money
That thing when the video preaches skipping exactly the kind of product that is sponsored. Blue Apron is a huge $$ suck 🤷♂️
Right?!
Seriously. Watch some free TH-cam tutorials on how to cook and figure it out from there. Meal delivery services are such a waste of money
So true. I've tried a few of them and found it expensive and not worth it. Especially if you dont have a very exotic taste.
Much easier to just batch cook, buy in bulk, and meal prep.
Came here to say this
For me, a meal kid saves me money. I struggle with meal planning and having it all in one spot in the fridge ready to cook makes it harder to justify getting takeout. It also means I don't go to the grocery store and impulse buy things I don't need. *shrug* to each their own, I say.
I feel like I've never really had an issue cutting back on some of these things because when I think about it; it was really unnecessary to begin with. I didn't need to keep up with the Jones' because I don't know many people I need to impress. (And some of the people you cut off may just end up being toxic people anyway.) Deep down, we all know that excessive alcohol is bad for you, exercise is good for you, and eating out is more expensive than eating at home. Once we just accept the facts as mentioned previously and don't feel pressured to have to do something because a colleague asked, it is so much easier being financially free.
Is this a story from Cinzia over at the Personal Philosophy Project? I've been following her no buy year videos and channel for a while! Highly recommend if you also like this channel👍
Holly B , I was thinking the same thing.
Hannah Louise Poston did a similar thing, she has a TH-cam channel. The first year was her no buy year, second year was a budgeting year, third year was a revised budgeting year with focus on having less stuff and her 2021 goals have yet to be announced.
It is!! Thank you so much
I love her channel!
Most investors will always tell you that there's no better time to invest in the financial market than now. I've been into trading for quite a while now, and I must say it really goes with loss without the right approach and strategy. I have gotten to the point where I understand that strategy is a key element of a long term successful trading. You can keep making wins at the beginning of a period and later you start recording losses toward the end of the trading period or even halfway. This results from little or no attention to the need for sustenance and consistency with the prevailing market structure. I've earned impressive profits so far this month trading with Dr Huffmantradingservices strategies and working with he's trading signals and I do that through he's registered trading investment company. You may never find it easy trading on your own. If you are tired of losing so much money, I recommend her. he's a really good trader.: @ *+1..2..0..9..8..1..0..6..8..0..8*
I relate to this. I was always very careful with my money because for a long time I was studying at Uni with a small stipend from my parents and some extra money from tutoring. Then in 2018 I doubled my income with some extra jobs here and there. Yet my savings were even less than the years where I would earn a pittance and that's because my spending doubled that year, partially because I kept watching beauty youtubers (that pressure to mindlessly consume coming from them is very real). Looking at the end of year savings on my budgeting app was a wake up call.
Now this year I've doubled my income because I finally started working on my actual career and I've been very careful not to fall victim to the "lifestyle creep" that often happens when you see your income increase.
Hopefully, this trend will continue on to 2021 despite the fact that I'm moving out of my parents house to a different country.
This comment was a good reminder to me about that “lifestyle creep” and to not let it happen unnoticed. Congrats on moving abroad - stick to your budget like you normally would, and you’ll be good!
Lifestyle inflation is very real and so easy to fall into. It becomes much harder to just not buy things when you suddenly have the money to do so.
Randomly found this comment that I forgot I wrote a year ago and if anyone is interested, I actually managed to save 55% of my income in 2021, despite having far more bills to pay than what I was used to in previous years. So yay for successfully not having lifestyle creep, I guess. 😆
Books are something I will always buy lol. I don't know why socializing always equates to spending money. I mean, yes, it is nice to go out for lunch or coffee with friends (pre-COVID I was part of a meetup group that met once a month), but I am also content to just hang with a friend at their place or mine.
A no-spend year allowed me to save up enough to buy a car in cash 🥂
For a week I’ve been contemplating doing this for 2021 and now this video pops up, it’s a sign!!!! 💰
“The less you eat, drink and read books; the less you go to the theatre, the dance hall, the public house; the less you think, love, theorize, sing, paint, fence, etc., the more you save-the greater becomes your treasure which neither moths nor dust will devour-your capital. The less you are, the more you have; the less you express your own life, the greater is your alienated life--the greater is the store of your estranged being.”
@star stuff
You definitely have some points there. Although I will say that on the book side of things, you can definitely read books that you have already accumulated or go to the library.
I thought of this quote too.
In the video she says "although having a lot of friends is great - it's excessive"
That's a depressing and joyless way of thinking.
@@Opalthreads I thought what she meant by that was the *way* she was spending time with her friends was excessive. You can hang out for free in a multitude of ways, going out for coffee with them almost every day then, could be considered excessive and arguably a lot less fun than mixing it up with a variety of no cost alternatives!
I am still on my no buy year that I started in March of 2020, when quarantine hit. I had a problem with buying too many "pretty things" that would make my life look like a curated instagram version of a life. Clothes, books, make up and shoes where my biggest areas of Spending. Since I ended up wearing sweatpants and hoodies only and was already cooking most of my meals myself by the time covid hit hard, I decided to go cold turkey and do a no buy year. I am so glad I did because Covid drained my emergency fund entirely and that way I was able to still afford a living on my own. I tracked my spending for the paßt 2 years and I am excited to see the results!
I quit shopping for more than 5 years and I have absolutely no regrets. And, I am not wearing any worn out clothes either, because the amount of clothes that I have can last for another 5 years without shopping. Moreover, I keep on throwing away my worn out clothes every 6 months. Surprisingly, I still have a few more hundred of new unused clothes. That is how bad a hoarded my mother and I were. 😅
I hadn‘t even planned to cut down on my shopping but was forced to do so due to Covid19. And not for lack of money either but for lack of opportunity.Not much left to spend money on with Shops, Restaurants, Cinemas and theatres closed for most of the year and no foreign holidays either. What surprised me most was how little I missed it. With most of the casual distractions gone, I started reading books again, talking to friends one the phone one at a time instead of meeting a crowd, cooking my own meals (learning some new recipes), following classes in various subjects online- it changed my life. Even when things will be back to normal again, I‘m planning to stick to many of my new routines, life can be so much better with less casual spending.
Happy New year and Thanks for commenting . Text my manager right now on how to make millions in Bitcoin 👇👇👇👇.
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Thank you for making this video. It came just at the right time for me; I have a very low income currently but no loans or debts. My ability to save money is completely in my own hands.
Such a good video for starting 2021 off right! Saving as much money as I can is a big goal of mine, love the channel and suggestions :)
I'm thinking of this at least for January. I'll have some different rules. I'm focusing mostly on intentional purchases. Researching where things are made and ethical practices.
I work with a fair trade accessory company and its really convicted me to shop ethically in more areas of life.
Highly recommend The Personal Philosophy Project channel! So glad to see it’s getting well deserved recognition 👏🏻😊
TH-cam just started showing me videos from the Personal Philosophy Project and this is just like her journey. Thank you for sharing this concept with TFDs audience it came at the perfect time!
This video is written BY me :D
Amazing! Care to share how you socialized during your no-buy time?
@@ifetayodavidson-cade5613 It's all on my channel No-Buy Year Playlist (:
The dedication and sheer will of this women. I could not do this unless I really had to (if I was poor).
Love this! One of my NYR is to only buy second hand clothes for an entire year (with the exception of undergarments, shoes, accessories/jewelry, outerwear, and workout clothes)
Instead of making strict rules, just track everything you buy for a couple of months, then compare your income vs expenses and see where you can cut your expenses down. Once you’ve got a good grasp of how much money you need for savings and necessities, just allocate % for fun spending
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He is currently handling my crypto for me and turned 2 BTC into 4 BTC in 9 days and making me $ 400,000 weekly by putting $ 50,000 indeed an amazed👍
I’m all stocked up. Going “low buy” this year.
This essay reminds me of the book called The Year of Less by Cait Flanders.
It inspired me to do a low buy year, but I’m allowing myself to spend at most $30 on shopping each month. I tried to go cold turkey, but ended up relapsing hard.
Did this when I was 18 right out of highschool. Worst feeling in the world but I guess it worked out for me lol
I absolutely need this! I've been saying I need to do a "No-Buy" for a couple of years now. This is so needed, thank you for making this! ❤
How did she afford rent during this year? Inspiring from a savings perspective but not very helpful from a budgeting perspective. Would also have liked more details on how she adjusted her social life to spend less
I need to do a no spend year in 2021. I need my $800 credit card paid off, I have a new car that I owe $28,700 on, and the husband and I just got a house a couple weeks ago! Which we’re going to owe $135k on so I’m 22 and neck deep in debt and can’t forget about taxes either so I could really benefit from not spending next year. Thanks for reminding me.
Amy way you could rentabilize some of your possessions? Declutter and sell on second hand apps, rent out a room in the home if it's just you and hubby etc... That would be a huge help.
@@f.-j.j.5738 Love those ideas, I’m actually already a Mercari user and try to sell as many items not being used in my home for extra cash, my income isn’t incredibly low anymore but this helps. As for renting out a room in our home, we’ve got a coworker who wants to live with us temporarily so this really helps too. I appreciate the time you spent commenting.
I did this last year, 2020 ;) planning to do this again this year :)
Good for you! That is so awesome! It is difficult in this materialistic society to just say no to buying more stuff.
It is. So this means that we need to get better
The best, the most practical video on this topic..... Hats off team !!
Impulse buying also happens because of boredom not just because of fomo or addiction. Finding free ways of keeping ourselves entertained is important.
I haven’t bought anything other than food so far this year and am doing a no buy for the entire year 🥳
4:55 that is so true. Buying for our fantasy self.
"I earned 13000 a year" girl how were you even alive?!
I know right, the figures just don't add up. Rent alone is AT LEAST $10,000 a year.
she lives in the UK, it was translated to $ for the US audience, however, her earnings are quite low for EU standards (no offence C.) does have several vids on this topic, what has helped her (like spliting the housing costs with her partner etc.). Therefore it is even more amazing and very inspirational how she is able to make it work.
@@alexwilder8315 Maybe she was living at home without rent.
@@kt334 rendering this video completely irrelevant to the majority of us, in my opinion
I think that's pretty much minimum wage in the UK. Although the video uses dollars, it's actually in £.
This just made my day. Great video! I was in the same boat constantly buying things. Plus having apps and emails always popping up for shopping was killing me. I am doing this for the new year. Just quit buying unnecessary things and worry about my future finances.
HIS AVAILABILITY ON WHAT SAPP IS ASSURED ✔️ + 1. 3. 2. 3. 2. 0. 7. 1. 8. 7. 8
He is currently handling my crypto for me and turned 2 BTC into 4 BTC in 9 days and making me $ 400,000 weekly by putting $ 50,000 indeed an amazed👍
When I was a child, my family only could go shopping for necessary things once a year. How privileged are the people who can "quit shopping" and call it "hardcore".
You never know where life will take you. Some begin life with privilege and some end life with privilege. Some never have it at all. The point is there are billions of people in this world and therefore countless possibilities. You may find yourself with an income that allows you to spend more than you ever did before- but like anything if it’s not in moderation it can severely impede on your life and health.
Accept for the alcohol, I’ve apparently doing this for a long time... still broke.
Definitely a plan for ppl making more than I am
Why is Cinzia's name not mentioned in the description box? This is her essay and it would be nice if people could find more of her work.
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HIS AVAILABILITY ON WHAT SAPP IS ASSURED ✔️ + 1. 3. 2. 3. 2. 0. 7. 1. 8. 7. 8
He is currently handling my crypto for me and turned 2 BTC into 4 BTC in 9 days and making me $ 400,000 weekly by putting $ 50,000 indeed an amazed👍
I just joined a FB group with the purpose of not spending in 2021! No/low spend is definitely eye opening!
Whoa! This video is perfect timing and I agreed with mostly everything. I tried a "No Buy" Year in 2019 but I gave up in July. I attempted a "Low Buy" Year this year but I still managed to go over budget most months. I'm like her, hardcore or nothing. I am again going to attempt a "No Buy" Year in 2021 in order to reach my debt-payoff goal of $26,000. :)
Less than $1400 in savings? Sadly most people i know have $0 in savings so $1400 would feel like finally being safe.
For some reason, I'm the opposite. I literally was carrying all of my life savings in my savings account; roughly $300k. 3 months ago I started investing but most of the money is still in my savings account.
@@jeanp.5929 that's quite a lot. I live in a rural county where income is fairly limited.
it's amazing how a master's degree still lands you a minimum wage job like this girl. When I finished my undergraduate program, I realized the whole higher education system is a big scam and not worth the time and cost. I have a degree in Finance and even with internship experience it was not enough to start off at a mid- level paying job so I started off as a teller which didn't require a degree. After a year of experience I applied for a back office position at another back and transferred over to an associate position which feels more like an overpaid administrative clerk but I am not complaining because the pay is decent, the work is easy and it's so flexible I have so much time and energy for myself that I am no longer motivated to get a harder job because the pay increase would not justify the amount of stress and work compared to what I am dealing with now. I don't have any student debt and paid cash while I was in school so I am able to save a lot of money. I also am looking to cut back on spending for clothes because I work from home most days and can get away with wearing a 10 year old faded t shirt and shorts while working from home.
Does this channel make all the art themselves? It’s beautiful
I imagine my expense stats are similar - 45% and not much to show for it really.
This will be hard but if I can do this I'll be so much better off at the end of next year. Perfect timing for this to drop also, at the start of a new year.
Why is it that TFD (or Chelsea for that matter) never comments on social and political injustice on their social media pages?
I'm doing a low-buy year, started November 2020. No fashion, beauty or decor items allowed. Basically, nothing unnecessary. I'm doing this because I'm 35 soon, have been working full-time since 18 and I have no savings to speak of. What I do have is a wardrobe full to the brim with clothes, shoes and bags.
I'll admit it's been difficult so far because of the constant advertisements shoved in my face every day; at train stations, on youtube, word of mouth.
But I am still on track - I'd advise unsubscribing from media that makes you want to shop and avoiding shopping centers/webstores unless essential.
after watching so many videos I feel that although the income is less in my country, India... it's easier to save more due to low expense. As a research student I get a fellowship of ₹31000 monthly and expense around ₹6000. So more than 80% I can save each month. And that's also in Mumbai, the costliest city in India. Here people don't usually go for coffee or outside dinner so frequently like US. But still I can afford at least 2 (even 3 if I choose cheap restaurants) outside dinner within that ₹6000 budget in a month. The best thing is that we don't have an expense for car. People even don't need it because of good public transport. But in US can maintenance and gas cost is a regular expense.
But yaa, I hardly go for shopping. Probably it's more than 3 years ago I last went for festival shopping on a vacation.
(excluding my electricity, laundry and water bill. Those facilities are provided free for students in my institute. Also there is no annual tuition fees. That is given by Govt.)
This is fantastic. I’m a big fan of The Personal Philosophy Project!
Thiz is so inspiring. Thank God i found your story and video. Thank you. I owe you my life... I want to try this.. I hope.. I hope... I will succeed too
That’s amazing. how did your friendships survive? Were you in a relationship?
I have a playlist all about this essay (I'm the author) and my friendships and relationship are still going strong! It's one of the questions I get asked a lot, so I discuss it in my videos on the topic (:
I think the consumptive lifestyle is just a mirror of what happen when we are kids. When we just a kid we thought stuff equal happiness and love so we keep buying them to make up for that. I ended having a room full of make up, skincare, 1 rack of full designer bags. But I think I'm gonna start stop spending for anything and face our "real emotional hunger" and also the reason is: that bunch of stuff didn't bring me nowhere
I agree with the most of it, we buy too much clothes which we can not even wear out, too much food which are not even healthy for us and so on but I think it's ok to spend some money for going to cinemas, theaters, concerts, museums, traveling although we cannot do it now 😭
First. I find you to be informative and INSPIRATIONAL.❤️🙏🏾
Masters in Jounalism
in 2021 im trying to stop shopping clothes. I can only shop clothes/accessories second hand but I can buy other things. I feel like this will help a lot as a lot of my money goes to impulse buying a shirt online that I could have found for cheaper second hand.
I wish I could get a coffee every day with my friends. But they’re all over the world now... anyway to save money we used to invite each other to our houses.
You can also invite your friends over and make homemade food together and spend way less. Also it is a cool activity to do with friends
My husband and I hit a hard spot a year ago and did this exact thing. We were over 20 000 in debt. We both earn slightly higher than minimum wage. So we made a plan: No spending frivolously, no luxuries, only necessities, 75 euros to spend per week. In the beginning it was hard, but eventually we would end the week with 4 euros left in our pocket lol. I think we went to the theatre once in that whole year. I picked up every shift they offered so I managed to earn 500 euros extra every month. I went from 45 euros foundation to 11 euros with the same results. Same with food. Whatever Aldi had to offer, I'd buy it there. Within a year we were able to pay off an entire debt and save up 6000 euros. It seems impossible, but we did it. Even though we reached our goal, I still have that no spending mindset. Once you get there, trust me, you won't buy anything you don't need.
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HIS AVAILABILITY ON WHAT SAPP IS ASSURED ✔️ + 1. 3. 2. 3. 2. 0. 7. 1. 8. 7. 8
He is currently handling my crypto for me and turned 2 BTC into 4 BTC in 9 days and making me $ 400,000 weekly by putting $ 50,000 indeed an amazed👍
This is so inspiring! Since the year just started, I’m gonna give this a shot!
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HIS AVAILABILITY ON WHAT SAPP IS ASSURED ✔️ + 1. 3. 2. 3. 2. 0. 7. 1. 8. 7. 8
He is currently handling my crypto for me and turned 2 BTC into 4 BTC in 9 days and making me $ 400,000 weekly by putting $ 50,000 indeed an amazed👍
I’m so tempted to do this!! I just put my 2021 financial goals up on my channel and a no spend year would definitely help with my goal of increasing my investment pot!
I hope everyone has a happy healthy 2021!
You've got this!
im glad to see someone who on it works with a lower budget
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HIS AVAILABILITY ON WHAT SAPP IS ASSURED ✔️ + 1. 3. 2. 3. 2. 0. 7. 1. 8. 7. 8.
He is currently handling my crypto for me and turned 2 BTC into 4 BTC in 9 days and making me $ 400,000 weekly by putting $ 50,000 indeed an amazed👍.
I found this very helpful! Just odd that it ends in a blue apron commercial...
I am going to try this no shopping for a year strategy.
That is some serious dedication!
Best video ever about this subject!👏👏👏
I understand excess to some degree, but I’m still fascinated by people’s willingness to purchase quantity over quality.
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HIS AVAILABILITY ON WHAT SAPP IS ASSURED ✔️ + 1. 3. 2. 3. 2. 0. 7. 1. 8. 7. 8
He is currently handling my crypto for me and turned 2 BTC into 4 BTC in 9 days and making me $ 400,000 weekly by putting $ 50,000 indeed an amazed👍
That’s exactly what I all about this year-shopping ban !!!
Girl, after the year we had, i deserve everything i look at and more. 😄😄😄
Wow I was JUST watching Hannah Postons videos on her no but year and this feels like another sign for me to definitely do it 🎉
The description is a bit off. It contains show notes for a previous story about the woman who did not like Dave Ramsey's method.
Loved this video!! I want to do this for 2021.
I will do this!
In my case, I just make sure that I will put at least 40% of my monthly income into my saving and this will automatically change my spending habit.
Congratulations Cinzia!
Thank you, Sophia
I needed this. Thank you for sharing this
WOW. This is awesome. How did you stay dedicated? And if you didn’t buy tickets to events what did you replace that with?
I have a no-buy playlist on my channel answering all these questions (: (I'm the writer of this essay)
@@CinziaDuBois I’ll check it out. Thank you!
Wow a TFD video about someone who worked a minimum wage job? It’s a goddamn miracle lmao.
On another note I’m making more money this year than I’ve ever made, even while currently working retail because my job pays me very well. 23k a year seems like a lot when you’re only used to being paid 12k a year previously
Happy New year and Thanks for commenting . Text my manager right now on how to make millions in Bitcoin 👇👇👇👇.
HIS AVAILABILITY ON WHAT SAPP IS ASSURED ✔️ + 1. 3. 2. 3. 2. 0. 7. 1. 8. 7. 8.
He is currently handling my crypto for me and turned 2 BTC into 4 BTC in 9 days and making me $ 400,000 weekly by putting $ 50,000 indeed an amazed👍.
Perfect help for my No Spend 2023 x
the best thing anyone should do is tracking your spending with an app, track everything larger than $5. once you fully understand your income and spending, your behaviour will change!
HIS AVAILABILITY ON WHAT SAPP IS ASSURED ✔️ + 1. 3. 2. 3. 2. 0. 7. 1. 8. 7. 8
He is currently handling my crypto for me and turned 2 BTC into 4 BTC in 9 days and making me $ 400,000 weekly by putting $ 50,000 indeed an amazed👍
I did something similar, but not that extreme. I went a whole year without purchasing clothes. It was pretty easy since all I wear is sweat pants now. Haha
Yay Cinzia!!! So happy to see you on here
If there is one personal benefit to the pandemic and social distancing, it would be that I stopped frivolous shopping. I funneled the cash that I'd normally spend on incidentals into my savings account. The experience has been eye-opening.
Happy New Year 2021...great video to start the year.
not that advert at the end after all that big talk lolll
The only problem i see is cutting back so much on time with friends. I hope she still mad time to see them, maybe in their homes, for free? Go for walks? Friends (good ones that is) are important.
how did you explain this to the people around you? I’m not saying you need to justify your decisions to anyone but i’m sure people noticed so I’m curious to see what you said!
thanks!
I know you didn’t ask for my opinion but in my personal experience when I’d do a no spend month most friends were okay coming over to my apartment to drink at home or to just watch some youtube videos and talk about life. Those friends who insisted we go out regardless of all the plans I had financially weren’t my real friends AND me being 22 and most of my friends being between 20 and 23 they don’t seem to know what it’s like being in neck deep debt. Some of them don’t own cars or live with their parents and I am in almost 170k debt because the husband and I bought a house, I have a new car and a credit card and pay bills and rent monthly on my apt till we move. So, if friends can’t understand that you’re trying to have a no spend year then I think you need to make new friends. It sucks when you have such a sentimental bond with somebody but do you need friends who can’t support you? Most people are jealous that you are financially smart and don’t want to see you reach your goals, or they’re incredibly irresponsible with money and just don’t understand. Meet likeminded people in 2021, engage in free activities, volunteer or join groups on social media. Church can also be good for some people when it comes to meeting friends I have heard.
@@MinimalistBosnian i’m glad you responded, thank you for taking the time to write this! Love your insight and good luck on all your future financial endeavors :)
@@LuckyCharms-lj2wl Why thank you hon! 😘 I wish you the best of luck with your new year financially, emotionally, spiritually, it’s gonna be a bounce back from 2020. ❣️
Hi! I'm the writer of this essay (: I have a whole playlist on No-Buy years and I discuss how I told people in my life about it.
"the Vegan and the Cobbler" A new Rom-Com fairy tale? I hope so!