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6 things to think about before spending ANY money 💸 how to stop being an impulse buyer

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Today I'm sharing the 6 things I think about before I spend any money. More-so "fun" money. These questions and rules where the exact thought process that helped me become debt free, find my personal style, and stop wasting so much money on clothes I never wore.
What are some things you think about before you consider spending the money on something you wanted? I want to hear from you in the comments!
#impulsebuy #savemoney
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ABOUT ME:🌿
I'm Christina, friendly neighbourhood human on the internet slash pharmacist. You may have previously known me as Style Apotheca. I'm living in Toronto, Canada and on my channel you'll find me on my journey towards minimalism, being content with less, recovery from a shopping addiction, and my journey towards financial freedom from over $120,000 in student loan debt. Thank you SO much for watching and taking the time out of your day to support my channel. A little thumb always helps support me!

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6 авг 2024

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@Christinamychas 2 года назад

What kinds of things do you think about before you buy? 🛍

@amyr9497 2 года назад

Is this something I will remember/care about in a year? Also, figure out your “hourly” rate for your time and calculating the number of hours I’d have to work to pay for an item to figure out if the spend is truly worth it!

@Christinamychas 2 года назад

@@amyr9497 YESSS! The hourly rate tip is SO GOOD!

@acmpmen 2 года назад

How much time i have to work to buy that item? For instance, a smartwach i just cant justify it.

@machupikachu8349 2 года назад

I consider how sustainable it is to dispose of it if it breaks?

@mizshellytee 2 года назад

In general I ask if I'll get as much use out of an item if I think I will. For makeup specifically I ask if it'll fill a gap in my stash.

@sarahbeekman3814 2 года назад

During quarantine, I found myself shopping on Amazon way too much. A strategy that’s been working for me is, instead of putting the item in my cart, I put it on my wishlist. I hardly ever go looking through my wishlist and when I do, I find that I can delete a lot of the items because I’m no longer interested. I just thought I’d share this for anyone out there that may find this tip useful for themselves.

@Christinamychas 2 года назад

Love it!!!

@lealeilani9256 2 года назад

I do this too!!! I even categorise my wish lists.. and sometimes months later I think "what on earth is this doing here??"

@susie7336 2 года назад

@@lealeilani9256 Ohmigosh, same!!!

@zenabraithwaite1934 2 года назад

I have a wish list on Chrome to "hold" ideas , I review them when I have some free spending money or use them as a basis for Xmas and birthday lists.

@emilyencapsulated9540 2 года назад

Yes! I even created a page in Notion where I link to products that interest me.... but I almost never buy anything on my list :)

@khalilahd. 2 года назад

As someone still learning financial literacy I love that you go into detail about how to determine what to spend money on and what not to. 👏🏽

@Christinamychas 2 года назад

It’s very personal what you decide to spend on, but I think there’s a healthy order to make sure we aren’t adversely affecting our financial picture either! 🥰 YOLO was never a good financial plan for me lol

2 года назад

A tip I really value is to KNOW YOUR COLORS! Know your undertone, season etc. That way you buy clothing in the color that suits you and there's a much lower chance of it resting in the wardrobe most of the time.

@amma7244 2 года назад

Perfect timing thanks Christina. I try to not buy after 8 pm I’ve noticed I’m more impulsive when I’m tired. I’m 62 so I look for will I still love it in 20 years bc I have pieces I still love I’ve had 30 years (amid lots of regret purchases).

@Christinamychas 2 года назад

I love the self awareness - I agree with the time of day!

@jaelynrae8836 2 года назад

I cannot even explain to you with ANY WORDS how extremely grateful I am for you and this content. I am a “shopaholic” aka I have a pretty intense shopping addiction that I’ve developed as a response to trauma. Good stuff that I’ve figured out with my therapist 🤪✌🏼 I have made so much progress just by watching your videos and also the videos/book of Madeleine Olivia. You guys are amazing. Obviously doing real trauma work with my therapist as well but you have helped me so so so much. THANK YOU.

@PageToo 2 года назад

I think to myself…the reason I like it means I already probably have something similar (mostly with clothes/makeup, but sometimes decor). And so I can talk myself out of buying it since I already own something like it. I tell myself “it’s okay to like something and not buy it. I like a lot of things, but I don’t have to own them.”

@amberp5207 2 года назад

I know this is my 3rd comment, but I have a scarcity complex, from being poor for so many years. I do have a college degree but I wanted to b home with my children. I was spending way too much money at the grocery store. Like hundreds of dollars a month. Me and my husband try to give a responsibility to whoever is the best at whatever it was. Due to the pandemic, my scarcity complex, impulse buying, buying more than we needed, not budgeting, I’ve turned the grocery shopping over to my husband. He doesn’t care if the kids want 4 different kinds of cereal or Debbie Cakes etc…he gets what we need. It’s taken the pressure off of me, especially bc I suffer from anxiety due to the trauma I endured in my first marriage. When I would see the prices on food just going up and up and up, I would get extremely anxious. My husband is relieved that I finally let him do the grocery shopping bc it’s saving us money now and it’s keeping us out of going deeper in debt.

@dummybear6772 2 года назад

The "cool down period" is the real deal. I've caught myself on the verge of impulse buying a number of times now; I especially get nervous when I see "Hurry! Almost sold out!". But after analyzing my wardrobe multiple times and just staying off the website, I realized that those potential buys were regrets waiting to happen. So, stepping away, forgetting about it for bit and then analyzing my wardrobe is definitely changing things for me.

@Christinamychas 2 года назад

YES! Love that! There’s sooo many things I’ve forgotten about.

@KateKay28 2 года назад

Love this. “Regrets waiting to happen.”

@lamureon 2 года назад

cost per wear is so good :) was invited to a wedding and looked for a second hand dress as I will only wear it a few times. I get that some people want to look extra good at these occasion, but I even liked the second hand options better than what is currently in stores

@shsvc15 2 года назад

Oh I’m so guilty of waiting to wear the thing, I need to just get on and wear the things! If I like them I need to wear them even if it’s to the supermarket ;)

@minushkamarie 2 года назад

I feel like your videos are the only ones worth commenting on. As always, fantastic info. I always feel that I’m nourishing my life when I see your video. Your videos Tick so many “self-care” boxes in my life.

@Christinamychas 2 года назад

😭 I’m honored!

@lizzabbott 2 года назад

I love that cost per wear concept ! Never heard of it before. I did just but a pair of boots ... 40% off... that I’d wanted for years. I’ll def wear them often. Every day walking boots with jeans or dress. $96 & free shipping !! I walk & bus everywhere so good footwear is also my “car”. Congrats on paying off your student loans!! Mine are history now, too !! Yay !! Thx 4 this video. Liz

@cecilemayor4037 2 года назад

To become better in mindful spending, I’ve (mostly) stopped browsing online clothes stores and unsubscribed from all their newsletters. And I waaaaaait some days before buying anything.

@nadiarambles 2 года назад

Love the blazer. 💚Waiting is my go-to method to avoid impulse purchases as well! If I see a clothing or makeup item that excites me, I typically wait until the next paycheque and reevaluate (more paycheques if the purchase is pricey). Usually, the initial excitement has faded and I don't purchase it.

@SuzyYen82 2 года назад

Awesome content as always. You always inspire me to keep getting better at managing my money and to stop buying things on impulse. I amazed happy to say that I am on the right track now thanks to all your wonderful money saving and living more intentionally videos! I am so thankful I found your channel.

@katb7375 2 года назад

I recently had a large jump in income. The hubs and I are working on getting our debt paid off quickly and we’re also meeting with a financial planner to make sure we have the ability to retire some day. Looking forward to being debt free like you!

@silviaferretto4128 2 года назад

You look so good with this green blazer! 😊 Before buying something, I do think how many ways I can style the new purchase, and I wait at least one week before buying. Thank you for your advices, I will check also for the cost/wear!

@Christinamychas 2 года назад

Great strategy!!

@SoNick25 2 года назад

Love your jacket! Looks good on you! I am very thrifty but love that 'high' of buying something. I try not to buy something straight up. but wait, till it's on sale, till I go back to that shop again... My husband says 'Just buy it!' , but the waiting game can be thrilling too. And if it's not there, sold out, etc then I tell myself that it just wasn't meant to be.

@juliejules7780 2 года назад

I've waited on purchasing things that I've wanted and then getting super upset when they sold out and spend double or triple the money trying to find something that replaces it but not exactly the same so I'm still disappointed. I figure I'll just buy the thing and return it later if I don't like it. Most places have great return policies. I've also saved money by dropping out of college haha. Funny I make like five times more than my friend who has a degree.

@katiechasm 2 года назад

I like cost-per-wear as a starting concept but I think some types of items are just inherently going to be higher on that, like blazers or more delicate pieces you don't necessarily want to wear into the ground. Super important to think about subtle basics vs the more statement items as well

@kathrync.144 2 года назад

It's helpful hearing about what you did while you were in debt. I'm in the thick of paying off student loans and it really affects my ability to spend money on literally anything else 😅

@laurenromeo 2 года назад

So much financial wisdom in this video! My husband and I have a set dollar amount we can spend or save as we choose. It is REALLY helped us prioritize our disposable income purchases.

@BubblyViolin11 2 года назад

I like to ask myself if what I’m buying is filling a gap that I’ve already identified. So for my closet for example, if the item I want fills a gap in my wardrobe that I’ve been wanting to fill (whether it’s in color, cut, fabric, fit, etc), then I’ll go ahead and buy it. If it’s just a pretty thing that sparked the, ‘Oh I want it!’ thought process, I’ll bookmark it and see if I return to it later. If I do, and do so multiple times then I know it’ll be a good purchase but if I forget about it, then it’s an impulse that I’ll be fine w/o. Same thing with other larger purchases like tech and hobby stuff.

@janicestirton4247 2 года назад

I like to think in terms of basics and fashion trends. I don't find that I need to spend often on the basics as I have some pants, skirts, and dresses that I consider timeless for me as they fit and suit my age. I like to add a fashion trend or two to look modern. I always buy these on sale as they may end up in the giveaway pile in a couple of years. I am enjoying your videos. Thanks.

@Dgtlbath 10 месяцев назад

Christina, I just wanted to say thank you for your content. I found your videos a month ago, while I was trying to stop impulsive buying along with trying to find my personal style (and stop buying clothes I’d never wear, lol), and your videos really helped me. I de clutter my wardrobe a month ago and ended up with a beautiful color-pattern-shape palette that I didn’t realise was my whole vibe. I also used your Notion template and even created my own uniform wardrobe! Now I’m practising being more conscious with my spending and allowing myself to be patient and really think about my finance. Thank you!

@emilydinunzio2570 2 года назад

I really enjoyed this video! There are a couple of things I like to think about before I spend my money on clothes. The first thing, especially if I am thrifting, is whether I would pay full price for the item. The second is if I have proof of concept for the item. I has a satiny slip dress that I loved the fit of, but didn’t like the color too much. i sold that one and bought the same dress second hand in a navy color, and I wear the navy so much more now.

@BananaCakeGirl2023 2 года назад

You know what’s funny about the waiting period. I try not to note down the item I want, nor take a photo of it or keep a screenshot, because I actually find that after a day or so I usually totally forget that I wanted the item in the first place! 😂 Definitely a want and not a need.

@Christinamychas 2 года назад

Totally! I do think wants are totally fine - but it’s def more about creating the space between the want and the “get”! 🥰

@babybokchoiii 9 месяцев назад

that's so true! my mom gifted me a tiffany diamond key necklace for my 20th birthday. i wore it on and off for 5 years and everyday for another 5 years. i feel like it's really worth the price~

@claudiadifini3901 2 года назад

This new blazer looks amazing on you! Love the content. Always trying to find the perfect balance between planning and being spontaneous

@jessicaalger4525 2 года назад

Love these financial talks from you!

@lisadougherty5999 2 года назад

These are great tips to remind ourselves think before we buy! Thank you Christina.

@SelfcareforBodyMindSpirit 2 года назад

It's so helpful to hear the grounding advice on spending. Thank you

@janelandry6584 2 года назад

Love your tips. Putting something on a wishlist and waiting for it is such a good strategy.

@atiqashariff 2 года назад

please please please do a in-depth on how to create a boho style kinda apartment in detail. Love your space btw! ❤️

@maryam.m 2 года назад

At the end of last year, I put a couple things in my wishlist, but decided to hold off on purchasing them until I came home from a long trip. By the time I was ready to order, everything had drastically increased in price. At first I was extremely disappointed, but now I've reconsidered my priorities and am ultimately happy that I missed that window to splurge on pretty things.

@cjack-caldeira3363 2 года назад

Some really great tips- thank you!!! It’s just been a challenge to ‘let go’ during the pandemic when not quite back to normal at work or as social as before…

@elizabethmiddleton7003 2 года назад

Fantastic, thorough advice. Love watching your journey over the years and you look fab in green!

@el2751 2 года назад

I really liked the part about budgeting for "fun" money, because I tend to overspend on drinks and food with friends, thinking it's "investment in my social life & mental health." This video inspired me to go over my budget & spending habits once again, and work on budgeting more. Thank you for your amazing videos :)

@s.sflower 2 года назад

Very helpful tips!!! Thank you 🌺

@davidmolloy126 2 года назад

I've never thought of cost per wear before, a great tip, thanks very much for another great video Christina.x

@janebarscz5130 2 года назад

Excellent points! Thank you!!!

@ryanbenedict8436 Год назад

Hi Christina - I really appreciate your videos; thanks for the crisp, straight-forward advice!

@bellonjm07 2 года назад

I’m building my basic wardrobe essentials and I have a wishlist of those items. I use that list to pick out items online and then wait for a sale or coupon before buying them. I also use your techniques as well. ❤️

@Christinamychas 2 года назад

LOVE!!!

@MegaSuperFreeze 2 года назад

A great insightful video! I loved the part about having a budget for impulse spending. Its refreshing to hear someone acknowledge that its ok to give into impulses to spend money but that it should be ‘contained’ and accounted for. Never heard anyone mention this tip before but its so true and makes a lot of sense!

@mimseyllamenberger2097 2 года назад

My head does really strange thoughts to keep my coping strategy nr 1 - the spending. I watch your videos for example and then i feel like i have my finances together (even if i really do not). I feel satisfied and safe. Then its saturday and i dont have anything else to do and so i go out to h&m and then i spend a whole lot of money. Then i feel guilty but instead of stopping then, i think "well. Its already lost." and then my spending escalates quickly. My daughter needed some new trousers but instead of thinking how many she does need, i ordered A LOT of jeans. Like 13 or 14. I dont know. Then i have spend wayyy to much money and this sucks.

@SuzyYen82 Год назад

Revisiting all your past videos today has been really really fun, informative and motivating. I like coming back to your videos to see if I have put what you shared to good use in my own day to day life. And I find a lot of the things you shared, I have been doing them religiously and they have seriously taught me a lot. So thanks, Christina. I really appreciate your channel and everything that you do here on RU-vid. ❤️❤️❤️❤️❤️❤️

@emz8167 Год назад

you help me a lot! appreciate you

@vickymull9758 2 года назад

I thoroughly enjoy all of your content on mindful spending. It helps me so much in my own life. I also love your new dark green blazer. It's an amazing color on you!

@Christinamychas 2 года назад

So glad! And thank you!

@freakishchick182 2 года назад

Great tips. Thanks for sharing.

@victoriajohnson3034 2 года назад

My struggle is a partner who doesn't do minimalism or savings. And does not value either. To be fair, i used to have the same mindset.

@cheryltoth309 2 года назад

What has helped me .... buying and returning...while it's somewhat time -consuming, once I "own" it, it amazes me how fast I lose interest in the "have-nots have it" item.

@Christinamychas 2 года назад

Omggg so interesting! I wonder if that goes back to that idea of feeling productive when we spend money. It feels like we “got something done”. I notice that in myself a lot!

@tarynwilloughby-williams5948 2 года назад

I do that all the time 🙈🙈🙈

@lesleyc2704 2 года назад

I really enjoy this content, thank you

@sarj8164 2 года назад

Well said and really helpful😊

@kristen2646 2 года назад

You look amazing in the color! Very swanky. Im proud of your progress. Content regarding this is so important these days.

@nerd_alert927 2 года назад

Thank you, thank you, thank you Christina! I needed this video. I'm a minimalist. But, sadly the kind of it I am is: decluttering, buying new things, using them a few times, and then decuttering them and giving the items to my best friend. My house changes the way it looks every couple months, but it is still very minimal, but costly.

@lorraineturton4485 2 года назад

Great stuff !! achieving the balance between discipline and occasional special purchases. Nice !! :-)

@angieserdar 2 года назад

Nothing better than saving for the first home down payment... wishing you all the best for home buying process 🙏🥰

@rubaidasharmin4579 2 года назад

Very informative. Thanks. With every purchase l add transportation cost, food cost if I had any while buying that product.

@kimberlymeheran7013 2 года назад

Thank you for reminding me to slow down and think about it a little longer before pulling the trigger.

@Christinamychas 2 года назад

🥰🥰 yes!! I always like to sleep on it at the very minimum - unless of course it’s part of the fun money budget but tbh that’s usually food for me haha

@Tflower08 2 года назад

I've just subscribed your videos are very informative honest and clear

@Christinamychas 2 года назад

Thank you for being here!!

@daniellecarney1487 Год назад

Such a helpful video. Thank you. I buy way too much stuff that I don’t need.

@bernadettemary2135 2 года назад

that green jacket on you is gorgeous. love it!

@biancas.6283 2 года назад

Love the Fun money budget idea!😁

@Christinamychas 2 года назад

Yes!!! I loveeee it bc it keeps you on track while still being able to be spontaneous without worrying about it later!

@claremiller9979 2 года назад

Let me tell you, when you have kids, fun money goes out the window 😂 or more truthfully, it all goes on them - their necessities and their fun takes precedence. These are great rules to follow and teach your kids too

@ShoppingwithRina 2 года назад

Great input

@audreywoodside5964 2 года назад

Love that green blazer💗

@hannahbaker6617 2 года назад

Great vid and tips to start off spring 2022

@Christinamychas 2 года назад

🥰🥰🥰

@onimendez7735 2 года назад

Yes!! 👍 thank you Christina 😊

@superfacch 2 года назад

I always think about how easy or hard it's going to be to clean and store also. I have a tiny apartment and am on a minimalist/intentionalist journey. Resale value is also something to think about. A few years down the line, is the thing going to be hard to sell or recycle?

@cheryllane9949 2 года назад

My mindset in response to advertising/marketing is to ask if I will allow "them" to separate me from my money. Is what is on offer worth being separated from what I have worked hard to get.

@Christinamychas 2 года назад

OOOF! LOVE this

@_inflection3209 2 года назад

Woo! I'm early!! Happy Sunday Christina! 💚

@Christinamychas 2 года назад

Yayyy so glad you’re here! Happy Sunday my friend!

@midsized-sedan8142 2 года назад

Love the jacket color 🤑

@brickhouse8213 2 года назад

Thank you for this, so helpful. Before I buy something I have been recently trying to think of the full lifecycle of an item, like where will it go if I tire of it or don't like it. When I buy something I'm not mindful of the fact that I may not want this item in a few years or even weeks. Hoping that this is another way to pause the want -buy-semi use-discard cycle.

@Christinamychas 2 года назад

I love that! Very mindful and long term thinking - which can especially be so absent with trends and those super fast fashion cycles 😭

@Ensoullife 2 года назад

Wonderful advice as always, and I must say that green/ dark teal looks Ah-MAzinG on you. ((swooooon))

@Christinamychas 2 года назад

Eeee thank you! Who knew I’d peep into colour someday 😂💚

@user-yx4tz2wm9k Год назад

Thank you 🙏

@sirendipitybritt 2 года назад

Great video 👏

@twlightluv07x 2 года назад

I look at reviews and if I can, watch video reviews on RU-vid as well. I also won’t do anything on impulse and make sure I have a plan!

@savagecat5499 2 года назад

Love this.

@Christinamychas 2 года назад

So glad!

@volatileflame 2 года назад

i think about my mum's disappointed expression or my brother's judgemental one 😅

@Christinamychas 2 года назад

Hahaha omg I can see it. Prob bc I’ve seen it countless times from my own fam! 😅

@need4speedy 2 года назад

One thing I think of before buying anything is: do I already have a better version of this thing? In most cases, the answer is Yes 😁

@lidi5805 2 года назад

And the cost/wear winners of 2021 are: my joggers 🤣🥇 Sorry Christina 😃 Love the video 👍🏻❤️

@Christinamychas 2 года назад

Hahaha mine are my lululemon aligns 😂 the all over winner since 2020

@victoriajohnson3034 2 года назад

I changed the way i buy clothing now. I love jeans but don't wear often. So only keep 2 pairs at a time now of my favorite jeans. I wear lounge pants alot, so i have more of them. I do all bottoms and tank tops in black so that everything else i wear on top always matches.

@pjnkblue 2 года назад

I have been much better with clothes but still kinda frivolous when it comes to food 🤦🏻‍♀️

@nigorakuchkarova3826 2 года назад

I love green color, my clothes are green.

@Christinamychas 2 года назад

💚💚💚

@shannon1999able 2 года назад

Wise!

@Christinamychas 2 года назад

🥰🥰

@victoriajohnson3034 2 года назад

I need a 90 day cooling off period for non essentials!

@joeychen3946 2 года назад

I think about whether I already have sth in a similar style (may be a different colour or fabric even) in my wardrobe and if the new item will compete with the existing item for wears. If the answers are yes and yes, I don't buy.

@katrinm9286 2 года назад

I think about the value. Which value I get for my hard earned Money. I check if this expense will hypothetical make me happier in a long run. Greetings from Germany:)

@soysugg9515 2 года назад

For us journaling folks, would you mind putting some prompts together regarding mindful spending and spending habits? You touch on so many great points, and I'm currently using this vid to inspire some journal prompts for myself, but I'm sure others would love something like that! Even prompts on capsule wardrobes, finding personal style, etc?

@Christinamychas 2 года назад

I have a journal for free on my website! 🥰 let me know how you like it

@soysugg9515 2 года назад

@@Christinamychas I think it's still on hiatus? But I have it bookmarked for when it'll be back up. I'll be ready!

@Janelou42 2 года назад

Never been so early like today. But was very late on this: 23 year old me splurging and 27 year old me needing to pay it off... not worth it anymore to 'buy now and pay later' ^^' But learnd from it, growing from it xD

@Christinamychas 2 года назад

Same!!! 🥰

@carolynm.8868 2 года назад

Before buying something I ask myself is this for my fantasy self or for my real self ? Once I get the item home if I have any doubts that I will use and enjoy the item I return it. When I do make a mistake I donate the item and I move on. As I learn more I find I am making better choices.

@softlife888 10 месяцев назад

How much % would you recommend for fun money? I just can't figure out what will fit for me.. Love the tips! Thank you

@Christinamychas 10 месяцев назад

It’s a range! Ramit Sethi suggests 20-35% of takehome (as long as your fixed don’t exceed 50-60% of TH and you’re still able to save 5-10% and invest 10%). You’d also adjust this if you have debt.

@zenabraithwaite1934 2 года назад

I rarely regret clothing purchases but I still quite often regret skincare and makeup purchases because I am looking for the miracle cream or great lipstick. In fact it's mostly skincare as I have such temperamental skin- don't get me wrong I've made some excellent purchases too but the bad ones do niggle me.

@Christinamychas 2 года назад

I feel this so strongly! When my skin is “bad” it’s when there’s so much temptation to buy that miracle serum - but usually my skin just needs the bare minimum like a drugstore cleanser and moisturizer to calm down.

@riannevandenberg58 2 года назад

This sounds so familiar, especially with the make up. I've spend so much time looking for the perfect small eyeshadow palette with just the "exact" right colours. Same goes for a few lipsticks. Just to find out that none of them were that and that the first small palette did it's job just fine, next to some blush as pink eyeshadow combined with a little metallic highlighter. 🤦