Definitely was something I struggled with. I would buy things to fill a void in myself but in reality i would regret buying and would be further sad and stressed about finances. It even caused marital issues. Talking to my husband and watching channels like yours have helped so much! (🔋 79%)
I recently had to buy a bunch of new clothing because I lost weight, and a lot of my stuff doesn't fit right. I spent like a half an hour longer than I would have had I didn't empty out my cart of everything I liked the vibe of. I also decided to split my closet by hot weather vs. cold weather to help manage what I buy, and why. It also didn't leave me feeling massively guilty.
I am glad to hear that you took action into getting yourself back on track. We all have a past and have done things we regret but what'd important is what you do after. You did not let it consume you. I'm proud of you and keep it going! YOU GOT THIS 💜
@@vvitch-mist20 You practiced balance and self control which is good! We do need to buy things in the world but you didn't overdo it. I don't even see an issue getting a few wants but sadly alot of people are mainly filling up their carts with wants and don't have the money. I do the same thing you do. Over 10 years ago, My economics teacher (in highschool) taught me a few things I still do till this day like reviewing my items 3 times before buying. MOST of the time i put things back but it helps! 💕
The trick for me was using self-compassion to navigate my desire for things. Instead of feeling shame for wanting things, I tell myself that every store, every website is designed to stoke your desire for things. It’s normal to go into Target and want everything. Then I can just sit with wanting things without impulsively buying them. When I was shaming myself for the wanting, I was MUCH more likely to buy the thing on credit because the wanting and the shame were too much to navigate. Of course we want all the things! That’s not the problem. Good luck everyone!
You said it perfectly!💕 It is VERY normal. Odd enough, It's hard for me to resist apple fritters and seafood. I am now allergic and it's been sooo hard and the fritters are expensive but I like them so much but me and bread/sugar have a HORRIBLE toxic relationship. I used to buy all the new hair car products too. I HAD IT BAD! 😭
@@candy2325literally same 😂. There’s so many days that I was stressed and would go put items in my cart on Amazon or other sites and there would be so many items I didn’t feel like making a decision on what to order. Within the next 2 days I go look at my cart and I’m like “I don’t really want or need any of this mess” 😂😂. So now even when I do want something I’ll leave it in the cart for at least a day and come back to see how I feel and make a more logical decision based off of budgeting and neutral emotions lol and the kicker is half of the time I end up not ordering whatever it is
Yes shame and telling ourselves we don’t deserve things rarely work imo and in my experience. It’s best to acknowledge that this society is designed to entice spending and living above our means.
Tragically, most people that see this video aren’t the people that would really benefit from it. The fact that you’re seeing this video now likely means that you’re already taking steps to become more financially literate, which is a first step that isn’t often acknowledged
Mannn I feel for both of them and I agree it's WILLLLLDDDD! I wonder if she told him because she sounded like she is going to the grave with that info. 😬 She may be scared he'll leave her.
@@SocialSymone the crazy part is if she dies, she is going to leave him with that debt to pay off! He is going to find out either way. If I were him I'd divorce her, this is the ultimate betrayal!
Just put the $50 I was gonna spend, on more books that I don’t need, into my savings account. I have a collection of over 159 unread books. SMH 🤦🏾♀️ this video was so helpful for me! Mindset shifted!
My library card saved me so much money this year 🥹 i only bought three new books this year because i saw them on sale at a thrift store for 15 dollars in total
I am also addicted to books. Amazon and my lack of self control easily fuels that addiction. I frequently put books on my Christmas list which helps. Part of the problem with a consumerist culture is that we think purchases gives us an identity. A gym membership doesn't mean I'm committed to my fitness goals. Being a reader means you actually read the books, merely purchasing them doesn't move the needle.
Libraries have ebook and audiobooks apps connected with your local library cards now. Mine uses Libby. Spared me from my $14/month ($170 annual) audible subscription. Not as on demand if the book is requested for hold by many, but still really great! No late fees!
As someone who spent hundreds of dollars (I didn't really have btw) on my perfume obsession I'm so happy someone is talking about how horrible and dangerous emotional spending is. It's an addiction like any other and should be treated as such. I hope we all recover from it.❤
I am so glad you find this helpful. Just take it a day at a time and try to be mindful. YOU CAN DO IT! 💗 I know someone VERY close to me with a thing for perfume too. I couldn’t agree more! I have struggled with this too. I don’t think it’s anything to feel shame about because we all have our battles in life. The natural hair care products was my thing. I ended up getting so fed up I got locs so I wouldn’t feel like I needed all this stuff and to keep going to the store every time I needed to redo my hair. I think I’ll show how bad it was soon. But I know the feeling of “feeling” like you must get something when I never NEEDED all that stuff. I just liked trying new stuff cause I thought it may be better than the last but most of the time it wasn’t. I think being honest about things we go through can help more people than we know.
@karabeard965 yup, ik dupes are a life saver for many I've tried my fair share of dupes rn tho I'm sticking with mini samples and travel size perfumes not purchasing anything new until I've finished all I have that helped me save a lot. Thank you for the advice tho it's super helpful for many ❤️
@annan.3283 I have multiple times but I have to make an effort to actually finish it like focusing on using 1 perfume every day really helps also over spraying it only if you can but yeah it's hard I get it
i started decluttering and living minimally a year ago. i watch stuff like this to keep it up it is a daily practice. it can be hard but its not impossible and in the end i always feel lighter after decluttering
I'm trying the same thing. I got lucky with a few purchases, unlucky with others. That extra 125 ft of romex came in handy when i bought my house. The racing seat... Not so much. Lol...
Yess i started emotional decluttering instead of emotional spending and my confidence alone is already so much better. Then you get to invest all of that spending money. So many young people missing out on compound interest for what?
Thank GOD you mentioned the “What if you actually are here for the next 10-20 years” because soooo many people I know have that mindset of the world is ending might as well just do whatever I want!
I hear this ALLthe time when I mention investing. What if you die tomorrow? Am I going to regret being responsible if I don't die? And if I do die I won't know any different, so what kind of argument is that? It's scary to think so many people's retirement plan is die.
Ive been in that rabbit hole when i was in my 20s. Nonstop endless shopping, nothing makes me happy, im still empty asf. Im not trying to sound religious here but only Jesus, guyssss ONLY JESUS filled that void. I swearrrr. Never been this fulfilled in my life, i have this unexplainable peace im my heart that even looking at new clothes doesn't make me excited anymore. I actually sold all my stuff. I found my happiness in Him. His my everythinggggg. Thank you Jesus! I will never stop praising HIM! 🙌🏻🙏🏻
Until someone finds their "why" for being conscience with their finances, no amount of logic or "hacks" will make a difference. Like it was mentioned in one of the articles you highlighted, having control of what they spend money on may feel like the only control someone has in their life. I'm a little older (turn 46 this year) and I don't have any money saved for retirement and live paycheck to paycheck. This realization (late last year) gave me the motivation to start focusing on that. By the first quarter of next year I should be completely debt free, which is the first step from moving from a survival mode to a stability level. The rest of 2025 will be used to focus on building a sufficient emergency fund.
Its honestly so true, the only people impressed by your lavish things are people who can't afford it. People who can afford it, won't care about it. Emotional spending is understandable, but its important to find an alternative (altho there's no alternative to the dopamine shopping gives). Now, I'd rather spend on experiences...after all, how many cooking classes can I do in 1 hour? Making things, I love drawing, painting (bad at it but I enjoy it), sports like swimming, tennis. Finding something active that you enjoy can really help with the shopping. It'll give you REAL dopamine and you can always do it without spending a coin.
I can't tell you how often I have been made the butt of the joke or called cheap because I tell someone that a $63k car loan on a $80k income isn't an investment or how I would rather put the $100 of grubhub into my savings for a future expense. And yet, those same people would ask me with envy how I can afford a 2 week vacation overseas in cash or how I managed to take on no debt getting married while they're living paycheck-to-paycheck. I must be making more than them (I'm most certainly not) or someone must be footing the bill (sadly no). They seemingly forget all the times where I try to explain how their emotional spending and living in excess is the problem. It's amazing the things you can do when you focus on mindful living and stop chasing the high of instant gratification and peer approval.
Jokes on them! Life has a way of revealing things. There was never a reason to shame you. You did what put you in a good position. Most people "laugh" at people who do thing like that because you are a free thinker, can make your own conclusions and be rational. Then they wanted "the sauce" lol You can only try to help but you can't save everybody unfortunately. I am am glad to hear you are doing well and living within your means. 🏆
Idk How you say this stuff out loud? My whole Class is taking student loans and I feel like I can’t bring up budgeting and how I’m trying hard to pay tuition each semester
@@DevHazy I'm just a naturally very forward person which makes it easy for me to voice my opinions when someone asks for it. Lol. It is definitely a learned skill to be able to give honest advice even if you don't think the person is going to listen to it or appreciate it.
My husband and I are savers and we are currently spending nothing because we want to get up our emergency fund after we spent it all on a down payment. This week my man worked more than 10 extra hours. I was a bit sad but then he told me that he noticed that I tried to fix my old pair of jeans (that have a big hole in them) because I didn't want to spend money on clothing right now. I don't say you can't do it alone but if you care for it, please try to find someone to go along on this journey with you. It is so much easier when you are working with someone together, may it be a sibling, a spouse or whoever.
I had a bit of lifestyle creep because my income has increased but I saw it and snapped out of it immediately after the first month. Back to saving and investing 😂 my broke girl mentality is gonna give me a rich girl bank account
Your video's are seriously a public service. I am really grateful for them. I have learned a lot from you. Thank you for all the effort your put into these videos. Money is all about your physchology. My ex earned $200 k but had a lot of consumer debt. Lived pay cheque to pay cheque. My current partner earns $120 and has $200 k in savings and several other investments. He simply longs for nothing and does not care about impressing people. He lives so simply. It's seriously admirable.
You are so welcome and thank you! Wow, that is a lot of money that your ex made. These are the type of things I'll be trying to tell people. Mindset matters! It's not what you make, it's what you can keep. Definitely A win that your partner Doesn't care what other people think and puts himself first. People can learn alot from people lile that! 💕
@@SocialSymone It is so interesting because income levels are not monolithic. Some people will always want to flex despite how much or little they earn and other's will generally be more satisfied with very little if their basic needs are met. I was in califnora and I met a guy who had a really old iPhone and a beater car but was quite generous and thoughtful on our date. I googled him after... well, his dad had a wikepedia page and they were from Atherton, CA, lol
This is me today. Was feeling a little down and wanted to compensate that feeling by buying a new perfume , but now I’m starting to identify this before that urge creeps up on me and impulse buy.
It's normal to feel the urges. We like what we like but try to find that balance 💕 In your future and present day. I want people to be happy but also mindful the future is coming.
@@SocialSymone thank you soo much you’re soo sweet. Keep up the good work. You have a new subscriber. Oh and I’m going swimming instead… it’s free and it’s a good laugh at the parents and kids lol
Get you some friends who support you. My friends make me plead for my case when I want to buy something. Usually it works and I don’t buy it. It’s actually embarrassing sometimes when I start my argument and they just look at me. Bring back shame 🤣🤣.
I pushed my broke friend to stop buying things that he barely uses. He invested in gold, but after pulling some of his numbers i noticed that the interest he's accuring in his mountain of debt is higher than the appreciation of the gold he bought so i told him to sell it and pay off his debt first because that's what's eating all his money.
This has been the last year of my life. Something just changed last year. The stress from all the chaos globally and the aggressive inflation, I'm in more debt than ever right now. My fix is I've literally cut up my credit card and withdraw hard cash every week to try and fight this. Emotional/Depressed spending is real !
I am so sorry you have went through this. I hope you are doing better now and glad to hear you have taken action by cutting up the cards and removing the temptations! ❤️ I know it may be a hard time but you will see brighter days. It is a step in the right direction.
What you said at the end about being surrounded by things you don't need really got me. I work with seniors. I was out at a visit with a patient a few years ago and she has shelves and cabinets full of horses and knickknacks. She told me she spent so much money on them building her collection. She has thousands of dollars in knickknacks, yet she lives in poverty. Her family doesn't want the knickknacks when she dies. She was close to tears telling me she wished she never bought them. She could really use that money now. It was like looking into my own future. I stopped my shopping addiction and have been decluttering ever since.
Realest video I’ve ever seen, girl! TY for posting this topic. What’s sad is my mom is in her 70s now, still in debt, no savings-and all the things she did wrong, makes me wanna be better and DO right. 💯 I’m almost 40 now, now is the time to save up! Better late than never. Gladly I have an emergency fund for starters. Former shopaholic here, I’m finally “cash stuffing” 😂 and doing savings challenges lol. Game changer.
Thank you so much! 💕 I am so glad to hear you are making the adjustments needed to better your future. And you said it best, better late than never! No shame in that! I love a good saving challenge too!
This quote from that tiktok you included "If you do not have the money to purchase something you cannot afford it", while true is not the specific issue I had. I HAD the money which is what made me go "well, I mean I HAVE it so why not?" even when that mean "barely" having it and not saving a single damn dime. I'd be able to pay for necessities, have left over and just spend that leftover. It's a similar vein and a similar vicious cycle. The other comment talking about having "self-compassion" in navigating my desire for things is just so real. I would buy things, feel guilty, and yet to do it all over again. It took a whole lot of self reflection to acknowledge the truth in how much I was spending for reasons that should NOT have come before other things. So many things I didn't need, would wonder "...now why did I buy that. did I need that? Was it worth it? Did it even make me feel good?" Like you said, emotional literacy is SO important. It is not just about the financial literacy!! Edit: also, what you said about saving for the golden years so true!! I'm about to turn 30, I'm thinking hard about keeping a comfortable life for my mom and for future me. I'm planning on sticking around and I am planning to have her enjoying life as long as possible. Treats in life are wonderful, overcompensation is not that. Edit again: omg, I should really just wait til the end of the video to post my comments but you always have such good things to say I can't help myself LOL People in your circle cheering you on is also so real! "Treat yoself" can be SO dangerous.
I don't mind at all, I would forget what I wanted to say if I waited till the end lol. I have had the same exeperinces before. I think we all have. We want what we want and that's normal but I'm glad you have done the self reflection. THAT IS HUGE! It makes a big difference going forward in what you want to achieve and how you can better get there. 💕💕💕💕
Thank you for sharing. ✌🏾💜 Priorities are best. Food and shelter come first. All else is luxury! Invest, save for a rainy day, buy the necessary things!! Consumerism is what is driving the capitalism that is killing us.
@SocialSymone OK! I think many are getting tired of our status quo, if they are paying attention to what's happening in this country with folks living out their fantasies on credit cards. None of it is sustainable. All great videos and good topics for discussion. I sincerely hope you can help wake people up! 🧚🏾♀️
@@adnaloy9025 I agree, it is for sure not sustainable. I Hope more people wake up, the wealth gap is getting wider and wider everyday. And you are so welcome, I appreciate you so much for your continued support! 💕💕💕💕💕
I stopped buying useless stuff and I started overpaying my mortgage to the max. In less than 3 years I have repayed over 25% of my mortgage, on track to repay in full in another 7 years, instead of the 21 I have left. And mortgage is cheaper than rent!
the craziest thing is i used to have the worst spending problem where simply anything i made just went out on stupid things like mobile gaming, makeup, clothes etc. anyways after 23 years of being alive i got diagnosed with adhd and put on adderall then suddenly shopping was boring to me and i just wanted to go home ☠️☠️ now it’s like i find no joy or dopamine hit in it anymore I’VE BEEN CURED! also i love watching financial audit his videos are so interesting
….. honestly at 28 I’ve learned so much more about ADHD that I really feel I’ve gone my whole life undiagnosed. My brother and mom had it but I always thought “oh I don’t act like them” so we all thought I was normal. But I’ve learned a lot more of what it’s like mentally… and oh boy. The only thing that saves me from doing what you disproved is trying to fixate myself on a game or something else instead.
Another great video! I’m struggling with emotional spending right now and trying to get a hold on my finances. When I got a promotion at my job, I absolutely fell down that slippery slope of using debt to relieve my stress from work. Definitely working to try and get my life in order 😅
I used to struggle with emotional spending and then I met my husband and he was supportive! I explained that that’s why I have so much clothing and I saw how unhealthy it was!! I realized how broke it was keeping me also. 😅 I started keeping track of how much I spend and committed to putting more $$ into savings. Im at 35%
I'm not exaggerating when I say your videos are changing my mindset, and possibly my LIFE. I grew up in poverty, and now that I have a little money I find myself buying stuff, overspending. The entire time I shop, I'm remembering when we used to go to stores growing up and I couldn't even buy one little set of plastic earrings or a cute top. But after buying too many books (I've gotten off BookTok!), and after watching your videos, I have a new perspective. I've already challenged myself to use what I have and not buy anything. Except to spend money to fix my cavities, because THAT is real self care and not all these eyeshadow palettes I regret buying! So, THANK YOU!
The first clip is so relatable. Like I might as well buy things I “deserve” right? Be broke and happy? But it’s not sustainable. I’ve deleted all shopping, social media, and food apps from my phone and I no longer carry my credit cards with me. It’s not much but it’s a start! Great video so far :)
Wonderful, well-rounded take on this much needed topic. Over the past few years I’ve learned to curb my spending- I had no choice, really. Now, when I think about getting a bunch of packages or bringing a bunch of bags in the house - I stop and think : How much management will those things require? Will I even use them? How will feel about them in 1-3 years? Will I even know where they are?! (I also struggle w/ organization) Now - I buy more impactful things I know I’ll use. While I’m not debt free yet, I plan to be soon and pray I never return to overconsumption and sabotaging my wealth and peace of mind, again. Phone is on 97% and your locs are gorgeous ☺️🥰
It's great to hear that you've found a positive approach to managing your spending habits! You got this! 💕💕💕 And thank you, my loc anniversary is coming up too!
I knew Starbucks would be mentioned and was just thinking about getting a cup before work. I have coffee at home. Instead now, every time I think of wanting Starbucks I’m going to transfer that $6 to my savings. Looking forward to see how much I will save from stopping that habit 😊
Recently found the channel i think it speaks to our generation, constantly wanting more and better without making more of being ina better financial situation
I’m a massive hoarder and I hate wasting money. I watch videos online about people doing Hauls and I get my enjoyment from that lol. Especially being a female, shopping and beauty can seem like a must have and it’s just too expensive. Years ago I was a spender and I used to buy a lot of makeup and clothes. Now I exercise, I have a $2 jump rope and I look amazing and feel more confident because of exercise which is almost free. Rather than wasting money on beauty products which don’t even make you look good.
I do the budgeting in our home & have my husband look at it when it’s done to make sure he’s on board. It took years to get him to this point bc money is a touchy place for him & sticking his head in the sand is what he prefers. Watching this video & seeing the woman with 100k in debt behind her husband’s back is wild to me. I look at not only my credit on a regular basis but look at my husband’s & daughters as well. I do it for security reasons but this right here is something I never even considered. Mind blown!
I am currently struggling to get out of debt and compulsive internet shopping, I try to handle it by practising self compassion, but also gratitude for all I already have. I have been hoarding stuff for years and my house is full of nice things that I forget I have, if I instead of buying new stuff go through my wardrobe and my collections of various things I can appreciate what I already have instead of constantly having to renew myself. I think a lot of people have stuff they never use or never wear, and facing all the things you already have can perhaps remind you also that whatever you buy now might just end up as more clutter, collecting dust in a corner..
This came at the right time for me… I’m great with my budget the beginning of the month, but now is around when I fall off. Thanks for the reminder not to “solve” my problems with spending on too many little treats
In my favorite online shopping app (like most apps I guess?), there is a basket where I can put all the things that catch my attention and make me impulsive in the moment. There are like 250 items there. And every now and then I visit that basket to remove the things I no longer feel emotion with. Lol Some of the things in there annoy me. Im like"why are you herr? I dont need you" We dont always need what we think we want. Its ok to want things. Put it in your basket, give it 1 week or 2 and comeback to assess how you feel about it. Most of the time you dont actually need or want that things.
This! I was such an emotional spender and I am grateful that I am able to work on changing my mindset and habits have helped me to no longer buy impulsively. Even when it comes to my beauty maintenance, I now save for them, they are included in my monthly budget. I am seeing my debt going down every single month. There is power in telling ourselves « No » to ourselves when we have compulsive shopping habits. Thanks for the reminder ❤. I am on the right path 😊
I was never a big spender even as a kid, my brother and I will get a little allowance for our chores and I would hoard the money, even going to the toy store my brother would spend all his money but I was very particular. Even now I’m the same way, but I do save on expensive things though but only once or twice a year. I am extremely scared of debt.
I feel you completely I am so scared of debt too! It's good that you've been like this since a kid. It makes it easy to keep the habits! I was the same..
I really appreaciate the last videos you have done, really made me think and shift my attention and money. Thank for helping me keep my pockets happy ❤🎉
Glad I could help! Didn't know how people would receive my new stuff but so glad it has been able to help so many people already. It really is a blessing from Jesus 💕💕
I can't afford a new car. When I see someone with a nice car, I think how nice it looks and then wonder what they do for a living to afford a car like that. Now, I know they are in debt and not as happy and I thought.
The research you pointed out is 💯correct. It does give that sense of control when other things are not. I wonder why this affects us women more than men….that feeling of excitement is the dopamine hit. It does fade and we grave more. It can be a vicious cycle.
The trick that I use is to just pause. Before pressing that purchase button, pause and for me the impulse is then gone. Majority of trading cards that I bought ended up not being used and stays in a binder.
Great video! This was a very difficult habit to break. I would spend when I was sad. It was to make me feel better or more worthy. Problem is it never worked. A day later or a few hours later I would be back to where I started.
Thank you! Every time I think about spending, I'm going to play this lol to start breaking the cycle I'm going to do a no buy challenge until the end of the year at least.
Yep, it took me till I'm 26 to understand this 😅. Im so ashamed it took this long but better now than never. I have a second-hand car, and it works like a dream (paid off). I have all the basic necessities taken care of. I just finally opened a savings account. I don't need luxurious clothes, accessories etc. Cancelled all my subscriptions and my credit cards. No longer in debt, and my shoulders don't feel so heavy anymore.
@@pan364 You should be proud! Celebrate your wins, big or small! We don't give ourself enough credit for the good things we do and we try EVERYDAY to be better. And YOU are doing the work! I am happy for you and I applaud you for that, because you chose to do it. That's discipline!💕 You are blessed!
The thing I realised tho about YOLO spenders is that they don't even have enough money to die. Like who's gonna pay for your burial or cremation. That costs money too. So the "I'm gonna 💀 anyway" mindset is not logically sound, is it? Lol, sorry, I only watched the video now. My battery 92%. Yours?
OH NO 😂 If you invested in yourself first I see nothing wrong with it honestly. It's people doing it without really having it that is a problem or a bad habit that's making them broke.
I’m gonna have to watch this twice 😩 I have horrible spending habits & saving habits. I put money in savings but I always take it out & spend it. I want better habits & a better way for my future!
I fill my shopping cart for all the things I like and then don’t buy them. I get the satisfaction of looking and imagining and then none of the burden of spending my money. I remember I was in the store with my grandmother and she was buying Christmas stuff because it was 50% off and I was like I was like none of this stuff is any cheaper and you already have all of the Christmas stuff you need. We left right then and there.
Everyone needs to allocate funds in their budget for guilt free spending, even if it's a super small amount. Be selective about your social circle. The weekly brunch and night club crowd will leave you bankrupt. Savings and investments goals should be prioritized before wants and even debt. Start super small. Social Security is expected to be insolvent by 2033. The safety nets for the working and middle classes are not being prioritized by Congress.
Love your videos!! People should use a home equity loan to pay down those credit cards because of high interest. That also give room on cards for emergency expenses.
I don't like the idea of paying off unsecured debt (credit cards)with secured debt. If people don't address their mindset when it comes to consumption they could lose their home. The hurdles to home ownership are plentiful for the middle class.
To reduce spending I use substitution. I find a free or low cost alternative to what I had in mind to satisfy that emotional need the spending would have filled.
i definitely struggle with emotional spending, especially on food. I've cut it down to almost once a month, and i'm still aiming to cut that out until i save at LEAST $10k. Then I'll be comfortable with a single SMALL purchase for fun, bc I'll be set up for success.
I am an emotional spender but I am learning now..I have been saving for a 2500 purse in forever and after looking at the purse (Dior).. I no longer want it and guess what I made money by investing my 2500 with my bank.
I promised myself of controlling my spending and saving up a certain amount for 2 years.. and guurll its hard! I’m not even going out that much anymore, i do have a minimal budget for going out and shopping so i won’t be that crazy, but sometimes i just feel the urge to spend🙈🙈 every dollar of my money already has an allocated budget, sometimes i think i’m a bit crazy with that.
9:08 one of my big financial fears is having to pay rent in my 70s and onwards, pensions (British 401k) don't keep up and it is unaffordable for so many. Desperately trying to clear our mortgage by the time we're 60 so accommodation is one less burden
If you think you can't afford to save, you need to accept that you should be saving BEFORE spending on your wants as a non-negotiable. And if you realize you can't afford most of your wants after saving, hopefully you realize that buying your wants doesn't actually improve your life that much. OR if you're still unhappy, maybe that'll be the reality check to motivate you to find ways to make more money!
I think that some of the biggest emotional spending is fueled by boredom, and a lot of people have made shopping their hobby because of it. With much of online entertainment today being about shopping, it kind of cues people to buy things out of habit. My biggest piece of advice in this situation is to get a hobby, and one that isn't overly expensive. Also, to just be careful not to use this new hobby as an excuse to overbuy supplies or materials, prove to yourself that you're dedicated before investing too much money into it. But that's it, really, I think people just need something else to dedicate their energy to and a healthier topic to consume videos about online.
I save money on the side so when I do go on a shopping spree I can put it on my credit card and pay that card off the second I get the bill and help improve my credit score. I love shopping and I love clothes and sometimes I do make little dumb mistake purchases, but that’s what they are. Dumb purchases. it never goes into the realm of actually getting into such bad debt. Even with my view on shopping I can’t understand why people put themselves in these situations were they’re stressed about debt.
You preached some heavy thought. I always am looking at the people shopping in the middle and late stages in life buying things all the time. One time a elderly lady spent $400 at the dollar store of Christmas decorations. Me thinking Where are your decorations for the past 40 years?
I don't know why but the part when you started talking about friends that are broke minded and they will keep you in that and share you on was the funniest part of this whole thing because your voice and your tone and your face is so serious but what you're saying is so true. I burst out laughing because ain't the truth.
I’ve had a few rough days, including being denied for an apartment I really wanted bc one of the girls doesn’t have a credit score in America. I spent like, a few hundred dollars on random shit, desperately grasping for some control. I’m sick of it. I don’t have any debt other than student loans, I don’t spend *technically* past My means but I have all of 1.5k in savings. But I spend more than I need to on shit I don’t need. I have zero interest in becoming wealthy. I don’t want to be rich at all. Frankly I despise capitalism to my core. I just want to be able to afford my bills and exist comfortably and independently. Reminding myself that big corporations are the only ones that benefit from my bad choices is something I need to keep in mind.
