This is the EASIEST Way to Stop Overspending (NO BUDGETING REQUIRED!!)

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Are you tired of wasting money and want to spend less and save more, but you don't know how to stop overspending? No matter if you're struggling with a shopping addiction or have just gotten into the habit of impulse buying stuff you don't need, this video is for you! Today, we're going to talk about how to heal your relationship with money so that you can stop spending money and start saving money instead.
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Along my journey to let go of 30 years of clutter, I accidentally became a minimalist and it was life-changing.
Before, I was an emotional hoarder with nothing but the clutter from lost loved ones - and $25,000 of debt - to my name. Now I have a beautiful home in Europe, a happy family, live debt-free, and - best of all - wake up to a life that I’m EXCITED to live every day.
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14 окт 2024

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Комментарии : 267

@AtoZenLife 2 месяца назад

Please give this video a like and grab the FREE 2-page spending tracker printables here: landing.mailerlite.com/webforms/landing/r9e9t6

@wesleywinchester1890 2 месяца назад

You put veggies in your burgers? So wut your saying is that you made veggie burgers. Yum!😊 Your fam is blessed to have you

@wesleywinchester1890 2 месяца назад

Your spouse is so blessed to have a partner / wife that is all about saving and not wasting. Maybe my marriage wud have been saved if I had done much better. It's another area of respect😢

@lisab2134 2 месяца назад

So proud of myself! I went to Target today for laundry detergent, hairspray, and a shower squeegee. I came home with laundry detergent, hairspray, and a shower squeegee! 👍🏼

@MindyB767 2 месяца назад

Ok, that is truly impressive and aspirational! Target is my biggest money trap…go in for three things and come out with much more.😅

@hmayala 2 месяца назад

Such a hard thing to do! So proud of you!

@whitechocolate072 2 месяца назад

I started this journey 1 years ago, I still have a long way but I have cleared 95% of my debt. I start putting some money on the side for security I have 1 month cover. In June, I found out my company is making me redundant... it was a shock! I will receive a big payment and I already decided to take some money to clear my debt. I will have enough to secure myself for 1 year. Thank you for inspiring me to change I don't buy just for buying now. My problem still too much foods or the wrong one. I'm reading "The ultra processed people. From Chris van Tulleken." It already changed my way of buying and eating. I'm positive and I'm thinking to start my own business.

@melissai4798 2 месяца назад

Reading this too!

@SpatchG 2 месяца назад

Such a good book!

@christinagarcia927 2 месяца назад

Wishing you all the Best! 🎉. Stay strong & focused! 🎉

@DavidDavisDH 2 месяца назад

Unsubscribe from emails, make a list and have goals so you look forward to saving money, it's actually exciting.

@michelle7352 2 месяца назад

Unsubscribing is my 1st line of defense as it's my strongest trigger - those enticing emails that trigger my WANTs. But they keep coming back. Seems like unsubscribing either doesn't work or only for a short time. Bah!!

@kathleenhill5838 2 месяца назад

@@DavidDavisDH Actually my email quit working when my Internet did an update and I really don't feel the need to fix it for now.

@DavidDavisDH 2 месяца назад

@@kathleenhill5838 I guess that works in your favor.

@elizabethgreenwich1671 2 месяца назад

@@michelle7352 maybe you have one already, but it can help to make an email adress specifically for purchases. You only have to log in when you expect an email about the delivery date or something.

@its649inthemorning 2 месяца назад

I keep myself from impulse buying or buying useless crap by considering the environmental impact. It basically boils down to me questioning myself with - where was it produced? - how often will I use it? - will it just take up space? and my most important question - when will I throw it into the trash? The money aspect is also important to me but considering the impact I have as a consumer on the environment always helps me from buying things I don't need. I don't want to contribute to the endless piles of trash we produce more than I already do.

@dollydaisy7333 2 месяца назад

The last question is bang on - how will I dispose of this, what will happen to it then? I'm going to start asking myself that question.

@princessdumbarton9877 2 месяца назад

It's amazing how smokers and drinkers who are broke always manage to find money for booze and cigarettes.

@OdinsSage 2 месяца назад

You mean it's amazing how we're living an economy where the most at risk and vulnerable people have to choose between self medicating and fighting their addictions or getting to face the anxiety and stress of not making ends meet, and then no matter what they're shamed for their situation?

@princessdumbarton9877 2 месяца назад

@@OdinsSage Well you seem to be reading a lot into my comment and setting your own narrative. I am merely stating what my experience has been. I am not judging them, I have just observed that they seem to have money for their substances but not for other things. So I would assume that the substances are the priority for whatever reason.

@jesssc402 2 месяца назад

@@OdinsSagealways the victim

@UnwittingMango 2 месяца назад

A guy at the gas station dropped $200 on cigs. I was like damn, how long does a carton last?

@joycewright5386 2 месяца назад

And lottery tickets

@ttlly13 2 месяца назад

I’ve gotten rid of all the shopping apps that used to be on my phone. The out of sight out of mind concept has really helped.

@theenokimarauder 2 месяца назад

Yes! And for the shopping apps I don't remove (due to using them in-store) I will either turn off app notifications or "pause" the app so it can't send me notifications about sales etc. I only need them for checkout or to find items in the store using the map/aisle numbers.

@lindamcdermott9980 2 месяца назад

I am glad you mentioned a toxic relationship. I was always a saver, even bought a house, but allowed a person into my life. It was like taking in a stray puppy who became a con artist. He spent money to keep up with friends. Ultimately, between his spending and other factors I lost my house and my car. We parted ways, I eventually was able to get another house, and today am proudly debt free. I’m retired now, free to be myself. I since downsized to a senior apartment, and able to follow my dream to be an artist. I do watercolor, requiring limited space and supplies. I am the happiest I have ever been. Your spending pyramid is right on. I still live it. I put 10% into savings, have no desire for impulse buying. I don’t even like going into stores without a specific purpose or peruse to online ads. I don’t call myself a minimalist I think of myself as mindful. Your posts are reassuring and inspiring. I continually look forward to them.

@cherithornton-conner8230 2 месяца назад

When the impulse buys are stuff like craft projects or yarn, I find that taking an inventory of what I have keeps me from buying more….well, most of the time anyway….

@SamClemens-id3cl 2 месяца назад

Here's a tip that works for me: I set a goal of completing 3 tasks a day (about 20 min. each) such as do laundry, do some financial planning, fix the clogged tub drain.... Tasks not allowed are purchasing things or researching on the internet. Over time, although my progress was not perfect, I gained confidence that goals will get done with time & it was not tortuous (didnt take all day or all my effort) Gradually more goals became clear & I felt more fully engaged in life & my values. I realized that perhaps spending $ or going on trips was a substitution (like sugary treats are to eating) for being engaged with your life goals.

@Livelife.HopeAlways 11 дней назад

Thank you for talking about "money triggers". This is not something that is not something people talk about frequently.

@amberkidd9801 2 месяца назад

I read Atomic Habits at the beginning of every year. This is to remind me of my continued purpose and growth. I love this book.

@jadefee3577 2 месяца назад

That's such a good idea!! I've been meaning to reread it but there is always something new I want to read - choosing the beginning of the year will make it so easy/clear - thanks for the tip!

@andrearoose5919 2 месяца назад

I didn't want this video to end...I was like, "Wait, it's over??" Good content!

@jmsl_910 2 месяца назад

curb-side pick slays!! no need to inside the store & see what shiny new things i do NOT need...

@cuteanimals8888 2 месяца назад

"...sit next to that sucker for the entire 15-hour trip back from Florida to Indiana and hold on to the darn thing to make sure it didn't fall over" LOL 🤣🤣🤣 Thak you, that really made me laugh...Hugs

@AtoZenLife 2 месяца назад

It was INCREDIBLY uncomfortable- I thought my arm was going to fall off. 🥲

@cuteanimals8888 2 месяца назад

@AtoZenLife Ohhh 🤗🤗 You see, the dreamy you really wanted it at that time and it's great to have dreams 🍀 You just wanted to make sure the statue's arm wouldn't break off and almost sacrificed your own... It's a great lesson for the decluttering, and whether the things are really worth the 'pain' to be dragged around... I will soon be moving, so this just came to my mind, as I may be in a similar situation...I still need to reduce some more, if not, I will have to prepare my muscles 💪 😅 (Seeing it from a positive perspective: it's a gym for free - with an extra bonus in form of another funny story 🤭😉 )

@cuteanimals8888 2 месяца назад

What a synchronicity 😂ru-vid.comMU4jQaC2kQc?si=r-U3jeHJKcG0MdoZ

@cuteanimals8888 2 месяца назад

What a synchronicity 😂ru-vid.comMU4jQaC2kQc?si=r-U3jeHJKcG0MdoZ

@KatherineM-j4o 2 месяца назад

I have unsubscribed from emails, deleted Facebook and Instagram, stopped streaming tv and no longer order takeaway food. When im feeling the urge to look online, I now journal, housework, read a few pages of book or do a few stitches of cross stitch. It has helped me insanely to stop wasting my hard earned money.

@martinh8784 2 месяца назад

I know I am a pedantic loser, but I actually keep track of every spending transaction I make using simple accounting software. I think most budgeting software doesn't work because it is too detailed (e.g., one month, you need to spend $300 on clothes, and the next few months, nothing). After I set up my system, I now know where my money is within a few dollars, and it takes me less than five minutes (usually one or two) daily to keep it up to date. Not for everyone, but I really improved my ability to sleep at night!

@kathleenhill5838 2 месяца назад

Long term relationship here of 22 years. We do not cohabitate. He is spender. We go out to eat 3 or so times a week an have always alternated when paying. He's going to get a big surprise when I retire in a year or so because those restaurant meals will cease for me. 😊 I'm frugal now but will really be more so in the future.

@AtoZenLife 2 месяца назад

Wishing you a secure and comfortable retirement! 🙌

@princessdumbarton9877 2 месяца назад

One of the things I regret the most is how much money I wasted in restaurants. Then of course there are tips. I wish I had all that money back now because I could really use it. I can make food that is just as good or better at home for a fraction of the price.

@faithgky 2 месяца назад

Perhaps you should discuss it with him now.

@pamelagay3303 2 месяца назад

I have been married for 53 years!!

@ClearBlueSky1 2 месяца назад

Something that helps me a lot is thinking about how much I am gaining by not spending unnecessarily to curb the disappointment of not giving into that impulse purchase. I remind myself that things like energy, time spent otherwise shopping, working towards my goals and leaning into experiences that bring me joy , bring me so much more value than an impulse buy would do !

@MariaReynoldsWeir 2 месяца назад

I love what you said about budgets. My husband and I have always struggled with this. My parents were frugal and I learned lots of ways to avoid overspending - I don't wear a lot of makeup, do all the haircutting in our house, skipping the nails, purchasing clothes/books/furniture/etc second hand. I still struggle with overstocking my pantry because items are cheaper in bulk. I have learned to use it, but it's not always joyful. I have learned to stop and appreciate how long I've owned clothing, decor, etc. I congratulate myself on not being into fast fashion. I try to pick my favorite colors and buy clothes only in those colors. We don't eat out much and when I do, I try not to order entrees unless my partner and I can split it because portions are usually too large anyway. My weakest areas are purchasing art or creativity supplies (I'm definitely a creative!) and then questioning why I have them. At present, I'm trying to get rid of old stuff constantly to keep what I own pared down.

@thehomemakersblog23 2 месяца назад

We budget our spending money for essentials weekly. This week, we decided to see if we would spend less by using cash instead of debit cards, and we have! The act of handing over physical money helps me to think twice if I really need something, or if I'm just impulse buying it 😊

@pennyheinrich5552 2 месяца назад

I just stay out of the stores.... 🙂

@normamaher9901 2 месяца назад

Me too it's a game changer 😊

@AnyaNovember 2 месяца назад

My favorite tip to stop overspending is to remember how hard is to get rid of all things I don't need😅 to sell, to give somebody, so vainly...

@echtstephy 2 месяца назад

still on my journey to not impulse buy. I'm more aware of it when i'm in store, but online shopping when i'm in a bad mood is still a problem. thank u for your videos💛 they help me a lot

@hmayala 2 месяца назад

Wow Marissa, what a great video. Very helpful. Love the visuals.

@quoththeraven13 2 месяца назад

Wow, that’s such a good comparison about the budget! (And lol to the Monty Python reference!!)

@AtoZenLife 2 месяца назад

Glad you liked that - I had a lot of fun with it! 😁

@stellamc 2 месяца назад

I agree that it is often your friends, family or who you date that can set your spending habits. I think the person who helped me learn about financial issues was when I started dating a man who was much wiser about money than myself. Showing me ways to save by taking advantage of benefits at my workplace. He also talked to me about other ways to save on expenses. These were not lectures or critiques about my spending. It was all just in casual conversations over time. After dating for 5 years we married - best decision of my life.

@lisabebbs1755 2 месяца назад

Great tips. Thank you for sharing.

@ivanajukicgloban6627 2 месяца назад

This white shirt really suits you😊❤

@poodlegirl55 2 месяца назад

My best tips as a person who has been married for 50 years is to always live under your means, no matter how poor you might be in the beginning. As a retired person I say pay off your mortgage long before you retire, my friends who struggle all have house payments. As a Mom I say teach your kids about smart spending starting when they are small. My girls were given a clothing allowance starting at age ten and when we went to the mall they had an envelope of money for each of them in my purse. They are all super smart shoppers as adults and one daughter is a full time Poshmark seller with a quarter million followers.

@pamelagay3303 2 месяца назад

Hi. I have been married for 53 years!!

@nandojuace 2 месяца назад

Invest in the financial markets before retiring by diversifying across assets, allocating a small portion of your portfolio, staying updated on market trends, and considering long-term holding to balance risk and growth

@LolMan-qy9cc 2 месяца назад

I feel sympathy for our country, low income people are now suffering to survive yet inflation and recession keep increasing daily, many families can't even enhance the good cost of living anymore. You've helped me a lot Sir Brian! Imagine I invested $50,000 and received $190,500 after 14 days

@katiekilbo 2 месяца назад

Very possible! especially at this moment. Profits can be made in many different ways, but such intricate transactions should only be handled by seasoned market professionals.

@MianHussnain-tu1wi 2 месяца назад

Some persons think inves'tin is all about buying stocks; I think going into the stock market without a good experience is a big risk, that's why I'm lucky to have seen someone like mr Brian C Nelson.

@quantarrow 2 месяца назад

Finding yourself a good broker is as same as finding a good wife, which you go less stress, you get just enough with so much little effort at things

@IshrakHossain-rt8is 2 месяца назад

Brian demonstrates an excellent understanding of market trends, making well informed decisions that leads to consistent profit

@susanbernier9399 2 месяца назад

The book atomic habits is the Bomb! I’m currently reading it again. Like you I borrowed it from the library and then wanted to read it again and had to wait 3 weeks, a few days later my niece sent it to me saying “ 3 weeks is too long to wait” 😂 we are both ‘book’ people. That fountain is beautiful I can see why you had to have it; I can also see why it was impractical at the time. Thanks for the video I will listen to multiple times…. I agree budgets don’t work for everyone. They are much like diets to me … the second I tell myself I can’t have or do something… it’s seems I do the opposite. For that reason it’s much better to figure out what I need instead. 💕🇨🇦

@janetstraw191 2 месяца назад

I tend to ‘impulse buy’ so I have learned to put an item in my ‘Cart’ and wait a couple of days. Most of the time I just don’t buy it! 🥰💖

@Tanya-m4q 2 месяца назад

Great video. Thanks. I have done the no spend challenge and I saved SO much money and learned valuable lessons on where I really was spending my money. Also during this same period of time I sold several items and made some great extra money. I have been on a minimalist journey for several years now. We are getting ready to down size our big home on small lot in neighborhood to a smaller home on land in the country. I can’t even imagine going through this process with the items we had in our home prior to adopting a more minimalist lifestyle. I love your videos, they always inspire me!

@LucyintheSkyo0 2 месяца назад

I never followed a budget, but do track, how much I spend on what (excell is king) When I did the math on coffee, I stopped to buy a morning coffe and bought myself an espresso maker for the stove, also to set the bar for coffee higher😅 thanks atomic habits😂 Itworks quite well. Of course, If yo don't buy the coffee you're much less likely to buy the donut too😂

@user-uo2fn4kk2t 2 месяца назад

I am very inspired by your channel. My husband and I have been working hard and paying off debt. Seeing progress and light at the end of the tunnel is very exciting. We have a plan to be debt free and retire early.

@AtoZenLife 2 месяца назад

So excited for you 😁

@miraearles3372 2 месяца назад

😂 $18k in impulse buys a year..... These people must make a lot more than my yearly income of 30k Thanks for the good tips Marissa

@maripazcifuentes7069 2 месяца назад

Before buying anything really evaluate if you truly need it and if it is something that will enhance you life and ebven better wait a couple of days and see if it sparks the same feeling if not pass on buying it. This has helped me in a number of non purchases.

@lennyburdick3192 2 месяца назад

For me, the first step was to track every cent I spent. I just wrote everything down to begin with. It’s in bookkeeping software nowadays, but simply tracking was step number one.

@beachgirltake2 2 месяца назад

Great tips, Marissa! Thank you for sharing with us each week. This came at a great time, because we have to save for a new air conditioner next summer since our current one is on its last legs. I grew up with a parent who kept everything and got upset when I threw stuff away, so I became afraid to get rid of anything for fear of upsetting her. I didn’t, and still don’t, like a lot of stuff, but these habits are so hard to break! Thanks again for sharing!

@shawnaford5540 2 месяца назад

It is always surprising how I live on just over what others spend on impulse spending. Not by choice as much by disability income. Yet I do have a budget for impulse spending as a form of savings. Lot’s of good tips in this video.

@CherieEvans-z1c 2 месяца назад

I came over from the podcast you did on Clutterbug and I loved how you could not only come up with 10 favorites but show such emotion as well. I have not seen any of your videos yet but excited to start.

@AtoZenLife 2 месяца назад

Any friend of Cas is a friend of mine, happy to have you here Cherie ☺️🙏

@rubivasquezmusic 2 месяца назад

I really needed this as I am moving to Colorado next week! ❤🎉 I am on my minimalism journey and these are good reminders!

@AtoZenLife 2 месяца назад

Declutter as much as you can before the move and GOOD LUCK!! 👍 🍀

@rubivasquezmusic 2 месяца назад

@@AtoZenLife I did!!! :) thanks to your videos. Thank you!!! ❤️

@SimplyKatieWalks 2 месяца назад

How was the home finding experience in Colorado? I heard it's difficult right now? I'm so jealous!🎉

@kimberlyhuerta2993 2 месяца назад

I live in the Arvada area, and most houses are $550 and up. The closer to Denver you are, the more it costs. Plus, be prepared for a fixer-upper. Most I have seen need work and still selling for a lot. Good luck with the move. This isn't a cheap state to live in and be prepared to smell pot a lot. We smell people smoking it daily.

@ms.schnapp7415 2 месяца назад

Happy moving! CO is a popular place to move nowadays♥

@deliahanne 2 месяца назад

I am very relieved that I actually have the money that I need to replace my broken, old fridge with a higher quality one that will hopefully last a long time and might even reduce my energy bill. Having even a bit of savings is a good feeling and not needing much makes necessary big purchases less scary. Because my bank account will not be empty after this.

@goddessmel8518 2 месяца назад

I'm going back to tracking every cent I spend and adding it up at the end of the week. I find the main culprits are that 'I really need a coffee' purchase that goes from a weekly treat to a daily habit; and the 'I don't feel like that healthy lunch I packed, let's buy something' laziness. I've successfully stopped overspending (or spending at all!) on books and magazines by using my free library membership. Am now looking into getting rid of streaming services by using video and audio resources through the library, but that may be harder as my husband and I use our streaming as our main source of entertainment (ie we don't really go to cinemas, events or out to eat). Wish me luck!

@Teresa-o3i 2 месяца назад

I did the same with Atomic Habits, free to listen to but decided to buy my own copy, it was that good.

@AtoZenLife 2 месяца назад

So, so good-I’m re-reading it again right now!

@Ashtarot77 2 месяца назад

When shopping online, I'll add something to a basket and just leaving it there. If after 48 hours, I still don't need it, it gets deleted as it was clearly a want not a need.

@reneeschwartz6555 2 месяца назад

Yes, thank you for posting this. It’s not as simple as just creating an abstract plan for your money. I am a big spreadsheet gal and find making a budget intensely satisfying. It’s all so tidy at the beginning of the month! Then it goes haywire in the middle (I’m still diligently recording every receipt as soon as I get home but all my categories are in the red). Every month!!!! I decided to start with figuring out what was going on with groceries first. And I included a section in my spreadsheet to put what we ate for dinner each night. Come to find that even though I thought I was cooking from scratch, I was actually only cooking twice a month and all the other nights were frozen meals or ordering food. Whoa! So now I’m on a mission to reorganize my work tasks (I’m self employed) so that I’m not so drained at the end of the day… and can actually have the energy to cook.

@susanfleming496 2 месяца назад

Thanks for another thoughtful video Marissa. Grocery shopping once a week has helped me cut our food budget. I also "shop my closet" before buying new clothes.

@theresahanson-rf4id 2 месяца назад

I turned off notifications, got rid of many good apps, don’t let my adult children think I am their bank anymore. Yes on relationships evaluation- I can work with a budget and payoff debts and save but ex spent and spent and worked little and job jump so much Thanks for this video!

@ChrisCannonWealthVersity 2 месяца назад

People work hard at what’s not working, instead of thinking about what could work better! Thank you for touching on the internal view of money. If we only address the surface spending, the root money issues will continue growing every season!

@juliekonigskind6434 2 месяца назад

My best tip to stop overspending: When a holiday like a birthday or Christmas comes around, I usually ask for “needs” first, instead of asking for a gift, I don’t need. Like for this birthday, I asked for new pillows and pillowcases, because our old ones were so worn out. I got the most beautiful ones and am now reminded of the giver and their love for me, every night I lay down to sleep :) In this way, most of our belongings carry the memory of a beloved person, who gifted it to use and we have no “useless gifts” laying around whatsoever.

@goodenoughgirl8102 2 месяца назад

Mostly my “bad” spending habits have to do with the lure of “mega deals.” Nowadays it’s mostly clearance groceries and thrift store finds. The other one is the “thrill of the hunt.” Also mostly to do with grocery, household and thrifting. I’ve been tracking my spending for a year now but I still can’t really “pre set” some numbers for each category. I think what I don’t like is that it feels like it’s always gonna kill all fun spontaneity. But it really does help me get a good ballpark about where my money really goes. And I find that comforting. Funny also Bcuz it helps me Pat myself more on the back for the things I was doing very well with. The whole beat myself up abt things I wasn’t even doing wrong. Go fig. Lol. I don’t always “shop for sport” but I don’t want to ever have to entirely give up “thrift store hunts.” Lol. For real. Amen on toxic people!!! My best personal tip for me was just either don’t go to places too often like Marshall’s, TJ Maxx, Target or Home goods or Walmart. I just don’t go much and so I don’t get tempted near as much. I make a game of it and I also make a game of seeing what I can “make do with” at home and just how long I can go with what I already have or just how creative I can be with that.

@carmenlheureux5435 2 месяца назад

I'm allergic to most perfumes but I can't seem to stop buying and trying new ones.🙃 working on it.

@MindyB767 2 месяца назад

Great video, as per usual. Best thing about your tips is that they are very thought provoking. It helps me to see my spending more clearly. Thank you😊

@Millie.C 2 месяца назад

I have a contradictory little story. Some months ago I realized I was buying ingredients but never cooked them and they eventually went bad and I had to throw them out. It made me so frustrated I started ordering take out, making sure to always take advantage of any sales and promotions, and finally settling on a restaurant with healthy food at a decent price. I actually made some math and realized that if I ordered food daily for a month, I ended up spending the exact amount I had in my budget for food, but with the guarantee that I would be eating it and not throwing it out. This went on for a couple of months, until I felt able to finally start cooking again at home. I don't live in the US, but I share this in hope it may help someone. Also, thank you Marissa for *not* saying anything about the B-word! ❤ It just doesn't work for me, maybe because I may be neurodivergent, or for other reasons, but it just doesn't.

@AtoZenLife 2 месяца назад

See, this is a great example of crunching the numbers and finding a system that works for you! Thanks for sharing 😁👍

@nicoleryanweldon2369 Месяц назад

Curbside pickup! I can select groceries at a convenient time, when I’m not hungry and don’t have kids orbiting, and I am so much less likely to add impulse items. I do this whenever I need anything from Target, too. And it can be done from a computer, for anyone who wants to keep shopping apps off their phone. Also, when I am in a store, I’ve given myself permission to be the annoying person who sets things down on the wrong side of the store (or I tell the cashier I’ve changed my mind). I put impulse buys in the cart where I can see them and often by the time I’m done shopping I’ve talked myself out of it. I’ve read research that shows that we get the most dopamine from “buying” by making the decision and putting it in the cart and by the time we are paying or bringing the item home the feel good boost is already gone.

@FrancisMaraVallejo 2 месяца назад

Weekly routine watching your insights for better living Thanks po

@williamclark1244 2 месяца назад

📓 I just finished reading Atomic Habits yesterday. I borrowed it from the library but I'm going to buy an actual copy.

@AtoZenLife 2 месяца назад

It’s so good, definitely worth owning IMHO

@lidijazivanovic2810 2 месяца назад

The best way not to overspend your hard earned money is not to go into the mall just to see what is new in stores. I actually work in one and love spending! So I decided not to use my break, just wandering around and buying things just because they are pretty... after decluttering my home and realising how much money I spend on things nobody needs, really hit me hard. So , now I go for a walk and enjoy a nature when I see something I like and feel tempted to buy - simple ask myself, do I really need it? 99% of the time, the answer is NO 😂

@Scassolina-rv2xj 2 месяца назад

This sentence helps me in such cases: „I can find something beautiful without having to own it 😊“

@deniseheninger5303 2 месяца назад

Because our grocery budget was getting out of hand, this past week I used only cash to purchase groceries. So, even when I saw the really good markdown deals, I still had to make choices between those deals and what I really needed. It's working well so far...

@MyFocusVaries 2 месяца назад

Great ideas. Thanks. Our finances are in decent shape, and we've never followed a budget, but we had to give some numbers to a financial planner as part of retirement planning. After scouring visa records, I was shocked to see how much we had spent on our garden in the last year. So even if one doesn't keep a monthly budget, an annual check in may be a good idea.

@sarahbull 2 месяца назад

I enjoy your content. Agree with you 100%!

@LittleRedTeaCake 2 месяца назад

I know I shop when I need a dopamine boost, which I am working on, because of recent mental health diagnoses. Not that I was constantly impulse buying, but I decided to delete any shopping apps from my phone. That way if I want to look something up or buy it, I have to make the decision to go to my computer and do it. I also love love love thrifting and clothes, the issue is I recognize that I was treating it like a hobby and that's not good. Every time I feel the need/want/desire to buy something new or go thrifting, I am making myself mend or make something I already have. I have a lot of things that just need some tweaks, or full on sewing projects that can take the place of constantly going thrifting. My husband and I have started tracking our spending because I noticed that when it came time to balance the books, there were charges neither of us could remember what they were for! And obviously, that's not good, so we have a notepad on the fridge and we write down how much, where, and what account it needs to come out of. For myself personally, I'll be keeping a more detailed list because ADHD brain. As always, thank you. You are always so kind, calm and reassuring. It is one of the main reasons I come back every week; I don't feel judged and your advice legitimately helps me and my family.

@mariestankus4554 2 месяца назад

Studies show that the dopamine hit comes from placing an item in the cart, not paying for the purchase so try shopping online and leaving the cart for 48 hours. If you still want it, great, if not, you got your dopamine hit AND saved money!

@evalindell2757 2 месяца назад

I loove the pyramid! It really shows you your values! So I am going to ask my husband to do it with me. I think we look at some things differently! The budget and the pyramid can look very different depending on your values and goals. So for me working out is at the bottom as I have an illness so in order to hopefully not end up in a wheelchair it is as important as paying rent and clean and healthy food. But gas & car is not on the bottom as I live where I can move around and live my life without a car. A bicycle and repairs etc is in the bottom instead 😉

@AtoZenLife 2 месяца назад

Right, there are so many factors that go into building a priority pyramid - sounds like a fun activity to do with your husband! Good luck. 🤗

@evalindell2757 2 месяца назад

@@AtoZenLife Thank You! I might need it as first on his priority list usually is a guitarr 😵‍💫 Well we have been married for 35 years so I know what I can expect but maybe we will be supprised at som of the things. Priorities do change as you get older! Thank You for a good topic! Love your new house btw.!

@jamie-leewatson3565 2 месяца назад

I Cant remember where I read it but there is a saying that helps me choose better spending habits, something along the lines of you have to choose between what you want NOW and what you want MOST.

@mspro9032 2 месяца назад

I appreciate you and your transparency! It is very refreshing and very relatable

@marthaswanson5739 2 месяца назад

One thing that has helped me decrease my spending is really thinking about how I will REALLY use that item. Where will I store that new kitchen gadget? What will I wear that new top with? How will that new home decor change my life? So easy to stop the spend when I look at purchases this way.

@Woeschhuesli 2 месяца назад

For a long time, I thought you were completely alone in the world but now you have mentioned a sister a couple of times. While her story is obviously her own, I wondered if her journey has had similarities to yours with regards to background/outcome, amd if she has any reactive minimalist tendencies as you do, or since she will have a different life and (maybe) spouse, she is differently affected by your family history (thinking how your husband‘s story and mindset also influence you). I enjoy videos like this but also look forward to seeing how you‘re managing that enormous house - it must be so much work to maintain, even though having less undoubtedly helps!

@autorinmitkatze 2 месяца назад

To spend less and safe more, I did the pyramid thing you suggested, and started using the envelope method by using a bank acount that offers something called "pockets" - sub-accounts I can put money in for different purposes like grocery shopping, paying our bills, rent or saving up a monthly amount for the vet (we have four cats). I also checked out pet health insurances to maybe save money for the vet but found them so expensive, that I started saving money on my own to have my own safety net when I need it.

@Cass-w5c 26 дней назад

My husband and I moved all savings accounts to an online high yield. I like that it’s not directly connected to our checking account so it takes more effort to get the money. Next, we have the exact amount we need for bills and spending for the month/paycheck sent straight to our checking and track the spending every dollar. The rest of the paycheck is sent directly to our savings. We’ve been able to fully fund our emergency fund this way, pay for a Mediterranean cruise for our anniversary, and are now on our way to saving up for a home renovation, and then our daughters wedding fund. Goals, baby! One small practical tip: I do my grocery shopping at Aldi because it’s so affordable and there really isn’t anything to tempt me there. For everything I can’t get at Aldi, I do a grocery pick up for and reduce risk of impulse spending.

@xlovelydearx 2 месяца назад

It’s really funny, but something that had helped me lately has been having Caleb Hammer from Financial Audit in my head screaming “But is it a want or a need?” “Do you want to die on the Walmart floor?” It makes me giggle every time but it does actually help me to put things into perspective when I’m not sure if I want it or need it.

@AtoZenLife 2 месяца назад

I’ve never watched him, but that sounds hilarious! 😂

@DistanceTraveled 2 месяца назад

My friend and I sometimes call each other whenever we are browsing online to buy something. But because being tired can lead to less than optimal habits, I suggested to her no purchases after 10:00 pm. You can look, but you can't buy. And it has been a great line in the sand.

@patdennis2586 2 месяца назад

Now that I’m in retirement, I buy anything and do any activities I want because the money spent on these items won’t change my finances and add quality to my life. Take Marissa’s advice. PS…. Ramit Sethi’s book “I Will Teach You To Be Rich” is excellent.

@SloanePaoPow 2 месяца назад

Marissa, you look SO MUCH like actress Anna Silk! She starred in the tv show Lost Girl, you gotta check it out!

@AtoZenLife 2 месяца назад

I looked her up, but I’ve got to say I don’t see that one. I have one of those faces that looks like a lot of people, I’m a big doppelgänger, I guess. (Melissa Joan Hart, Larissa Oleynik, and Jennifer Connelly are the ones I hear a lot. 😅)

@gwendolynhart2003 2 месяца назад

I use the Wishlist feature on online stores. I get the endorphins of shopping, but it allows me to take a day or two to get over the rush. I also just leave the item there until I desperately need it, or it goes on a good sale (not a lame sale), or both.

@PamelaJ56 2 месяца назад

Whenever I shop online, I’ll put things I’d like in my cart or wish list, then close the app. When I go back a few days or weeks later, I usually discover that I don’t need or want it anymore. If it’s something I truly need, I sometimes find a better deal.

@karineb5980 2 месяца назад

Japplique aussi , des achats sous cartons plutot que plastique, nous avons maintenant 3 tris .le dernier compost n'est pas tres loin mais bon...s'organiser cest tout😅 concernant mes achats : je repousse ou reviens, plus d'achats compulsifs acdebarasser oundonner a un moment donné 😢❤❤❤

@pen5532 2 месяца назад

Love the atomic habits recommendation!

@jandkhilbert 2 месяца назад

Very good information - from the inside out your view of money, and we all use lenses. Taking small steps and examining and measuring - applies to many changes in life. 🎉

@AtoZenLife 2 месяца назад

🙏❤️

@sgallant2107 2 месяца назад

Years ago, when money was burning a hole in my pocket, I allowed myself to buy a single coffee mug. (They were cheaper then, and had their uses. I sometimes even used them all at once.) One day my mother was helping me unpack and came across a box FULL of mugs. Knowing I don't drink coffee, she asked their purpose, then happily carried the whole box off to a friend's summer cottage - where there had never been enough to go around. Today, I'm pretty good at walking out of stores empty-handed.

@AyH25 2 месяца назад

We are about to buy a house with a high mortgage, so we will definitely need to cut all other spending to make sure we can afford it! We want to cut clothes and accessories spending as well as eating out and sweet treats/drinks. Hopefully we don’t have to cut travel too much but I know we will a little bit

@heidizhang4348 2 месяца назад

Love your videos a lot! Thanks Marissa!!!

@lalablotz7348 2 месяца назад

Yep I did the same thing when I was young. Had a loser boyfriend who didn’t work because of his back and I worked 3 minimum wage jobs to support us. Ditched him and my life improved immediately! Like you I also ended up with a fantastic husband that I have been married to for 32 years. ❤

@AtoZenLife 2 месяца назад

Love this! 🙏❤️

@mariaolker 2 месяца назад

We live below our means, so we never have to budget.

@Smoothish 2 месяца назад

I have spent so much money on skincare last night that I wasn’t able to sleep and now I’m worried about the extra things that will take up all the space.i feel so bad and overwhelmed

@HoneyQueenHarmon 2 месяца назад

Best way I’ve found to stop overspending is NOT getting food through a window (drive thru coffee or fast food) or walking into a store for a short period of time as a “test” or experiment. It was fun to see how much I didn’t spend in a 2 week period or month period (online groceries and essentials only) by doing this small behavior change as a “test” first.

@HoneyQueenHarmon 2 месяца назад

@@donaldlyons17 it could fit in my budget but it’s a fun “experiment” to see if I can do without for a short burst of time. A fun challenge.

@smontone 2 месяца назад

I had a list of items ready for prime day to look for. Items I knew I needed to get but didn’t need urgently so I could wait for a sale. It was really hard to stick to the list and I did see a couple of deals that excited me enough to go “off list”. Im surprised how guilty I felt for buying new things because I’ve been decluttering a lot of older stuff that no longer fits my current needs. The new mindset is an adjustment and I’m still trying to find the right balance. I wonder if you feel similarly moving into a new home and having to balance finding a things that work for the new needs.

@amychen2504 2 месяца назад

I feel so sick about the companies that mislead people into thinking that stuff appreciates value.

@Savannah-ed4rv 2 месяца назад

I would love to hear more about your sister! She's so pretty and so blonde😂 I'm curious about if she's a minimalist or if she struggled with the same things you have.❤

@finnning 2 месяца назад

The last point I feel so much, even with friends who have no intent to get money from me but when they say stuff like "you manage to save money in this economy??" I feel bad for having some left at the end of the month and will end up spending it on them because I can see how little they can afford. I haven't found a good way to handle this yet because I don't want to be stingy and never make anyone happy because that to me would be not actually living life but I also don't want people to get used to me buying stuff for them when they can't do it themselves And most of the time the government is to blame anyway for their tiny income, whether it's social benefits or minimum wage, none of it is something I can change for everyone all on my own, so remembering that helps too although it sucks to look at what people eat (or rather not eat) and how they don't do stuff with friends as much because they can't afford it...

@heatherj3030 2 месяца назад

I tend to do the most impulse shopping in grocery stores. I know all the tricks to save money on groceries, but the second I'm feeling stressed or insecure, I over buy on them, due to childhood trauma. My husband and I want to retire early, and groceries and eating out are being cut drastically. Although, Walmart is more expensive than Winco, where I usually shop, I started doing Walmart's grocery pickup for only necessary items. My goal is to use up groceries from my freezer, pantry and garden, and spend less than half of our old grocery budget on groceries. I'm also cutting way back on Amazon, and staying off of youtube channels that make me want to buy something. I don't want to spend money, and I need to declutter more, so I don't need anything!

@ReneeDennis-x8h 2 месяца назад

I am currently listening to Atomic Habits

@tania4726 2 месяца назад

Thank you for this video. It seems when you become older and you have your own kids and you have older family members. They have expectations that you need to take care of them buy them stuff and so forth, but if we’re all getting affected by this inflation in the state in economy and it’s hard to say no as hard to tell others we cannot help them right now And they tend to you and they have expectations that you need to do for things for them. And the big thing is a lot of families are hurting right now so they kids are moving back home or their elderly parents are struggling financially due to the state of economy and they have this expectation that their kids need to take care of them what’s your thoughts? How do you set those boundaries? What do you say to them?

@r.k.knight2164 2 месяца назад

I've found that while you don't have to budget, you do need to know where your money is being spent in order to change things. Keep a register of expenses. If you don't want to put it on the register, you probably shouldn't be buying it in the first place. If tracking isn't your thing, get a friend who is and make an appointment with them to go over where you've spent things together. It creates accountability.

@grownmellowmature 2 месяца назад

Thank you for your video, lots of great advice!

@emilianodiaz-page4233 2 месяца назад

Great video Marissa!

@happyjourneywithlynn2534 2 месяца назад

I spend less by doing a DENY DENY DENY budget. My bills of rent and utilities is first, the essentials like cleaning and cat supplies are next. I haven’t gone out for fast food and restaurants for years. Just last week I spent only 20 bucks on two books, which I saw several months ago on clearance shelf at local bookstore. What kept me from getting them at first sight was my own saying “Maybe later and/or I’ll think about it. Well what I tell myself, helps me to walk through the store and leave without getting “extras”.

@davidbruehl 2 месяца назад

Automate your saving/investing. Have it drafted from your account like a bill. Your brain views it as a bill. You naturally adjust how you live your life based on what you have access to. (What's left over after savings)