7 MONEY LESSONS I LEARNED FROM MY DEBT
Рет қаралды 97,450
3 жыл бұрынToday I'm sharing 7 money lessons I learned from being in debt. These are money lessons that I wish I learned sooner, and money lessons that are also keeping me on track to achieving my financial freedom.
What are some money lessons you've learned?
#moneylessons #payoffdebt #debtfree
LOOKING FOR SUPPORT IN YOU LOW BUY/NO BUY? JOIN THE FACEBOOK GROUP "LOW BUY BEAUTIES" bit.ly/2R3AHxC 🙏
FREE WARDROBE INVENTORY SPREADSHEET 👗 bit.ly/3lPJ8eu
THE DEBT-FREE PLAN I'M FOLLOWING • Follow The 7 Steps To ...
COME SAY HI 👋🏻
INSTAGRAM / styleapotheca
THANK-YOU SO MUCH FOR WATCHING! ❤️
MY PREVIOUS VIDEOS 📺
MY 10 PIECE CAPSULE WARDROBE • 10 PIECE MINIMALIST CA...
HOW TO STOP SHOPPING • HOW TO STOP SHOPPING |...
MINIMALISM FOR BEGINNGERS • MINIMALISM FOR BEGINNE...
MEJURI PIECES WORN are here ✨ youtube.mejuri.com/christinam
CODES + DISCOUNTS OF ETHICAL, SUSTAINABLE AND/OR FEMALE-OWNED BRANDS I ENJOY + SUPPORT (if you want to) 🤘🏻
LITTLE HIGH LITTLE LOW - STYLE 10 saves 10%
www.littlehighlittlelow.com/
MEJURI - save 10% with my link off your next Mejuri piece
youtube.mejuri.com/christinam
TRADLANDS - styleapotheca15 - 15% off your entire 1st order
tradlands.com/
ORGANIC BASICS - use code STYLEXOB to save off 10% off your order
bit.ly/2W5lyQq
For business inquiries, please email carolyn@platformmedia.ca
ABOUT ME:🌿
Hi, I'm Christina - I'm a blogger slash vlogger slash human on the internet slash pharmacist, hence the "apothecary" theme in my name. I'm living in Toronto, Canada and on my channel you'll find me on my journey towards minimalism, being content with less, my debt free journey, and content on my LOW BUY. I also focus a lot of fashion. I think anyone can curate a personal style we can be confident in, using pieces from out own closet or with carefully thought out new pieces. I'm happy to take any requests, too! Your girl is flexible (not physically). Feel free to leave me a comment below - I always make sure to read and respond, and I love chatting with you guys. Thank you SO much for watching and taking the time out of your day to support my teeny little channel. Love xx, Christina.
FTC: this video is not sponsored. Items marked * are gifted. Some links are affiliate. Not financial advice.
DISCLAIMER: I am not a financial advisor or professional. The ideas presented in this video are for entertainment purposes only.
@Christinamychas 3 жыл бұрын
Hey guys! A had a few questions about this: the budgeting app I use is Every Dollar by Dave Ramsey! apps.apple.com/ca/app/everydollar-budgeting-app/id942571931
@agatatomicka8537 3 жыл бұрын
I don't mean to hate on anyone but it's so refreshing to see financial advice from someone who is actually struggling with money (or has struggled with money) and not some youtuber living in a mansion, who spends $500 to get their hair done every month and then they're like: 'the dummest purchase I've made was a $2000 dollar designer bag, I could have gotten it for $1800 with my code which is linked below' . that just drives me crazy... great video btw!
@jeka13443 3 жыл бұрын
stupid logic, sorry. Learning from a person who made it by himself rather than a person who is struggling is obvious. The first one can say that he'd been doing this and got these results. It just seems that you simply envy.
@agatatomicka8537 3 жыл бұрын
@@jeka13443 lol I mean the fact that they turn these videos into ads instead of actually giving advice
@jeka13443 3 жыл бұрын
@@agatatomicka8537 maybe
@MannyBrum 3 жыл бұрын
@@agatatomicka8537 There are quite a few financial youtubers that don't really sell anything, they are making enough money off of monetization, and they give solid advice.----
@emilywells7415 3 жыл бұрын
Can't agree with this any more! She's so realistic to my life unlike KZfaqrs
@linusbucher6579 3 жыл бұрын
7 money lessons to get out of dept 1. Credit cards are not money 2. You HAVE to budget 3. Stop buying stuff for "special occiations" 4. Nobody cares (vacation, cars, outfit...) 5. Dept comes fast, but paying it off is very hard 6. Math works. (Budgeting) 7. Money cant buy happines.
@jenzie75 3 жыл бұрын
I realize so much of my overspending comes from being poor as a child. I grew up in the 80s and you were basically a nobody without guess jeans and hi-top Reebok's. I am not wealthy now but if I want something, I can usually get it. However, I find myself overcompensating for the kid who could never keep up with the labels. Thank you for your video. Very inspiring.
@Christinamychas 3 жыл бұрын
I definitely experienced something similar. I think I’ll do a whole video about it. For my childhood classmates, it was those fuzzy GAP sweaters and Nike running shoes that were “status” gauges in 6th grade. So brutal.
@SA-hy6nw 3 жыл бұрын
Absolutely me! @styleapotheca would love a video on this 😊
@sunbabyocelot 3 жыл бұрын
Me too, 💯
@nannibunni 3 жыл бұрын
Same
@Tameker6 3 жыл бұрын
Yes you got that right, I think it also can apply to people who were bought everything when they were growing up as well. Those people seem to become shopaholics and always feel the need to accumulate.
@carolinekellysarin3282 3 жыл бұрын
Early retirement is the dream. I refuse to accept that I have to be at the end of my life to enjoy time freedom. Let's hustle to financial independence!
@hermandavid2171 3 жыл бұрын
i lost my job with Qatar Airways in 2018 went into debt started investing 2019 and paid off all of it via profits off investing before pandemic. Investing is a great choice I made.
@blllywilder8299 3 жыл бұрын
I lost my job too and got into investing I am patient and hopeful, watching a lotta investment videos and keeping my head up waiting for all this to be over and the markets back to normal
@carolinekellysarin3282 3 жыл бұрын
@@blllywilder8299 I have never been in debt, I own two pugs, a successful business and I cruise a roadster, I built from investing under the guidance of an advisor and investment broker, it has been a joyride. Proper consulting before getting into a business you do not understand is key to making hella gains.
@johnsonlyndon6332 3 жыл бұрын
@@carolinekellysarin3282 I recognize hardwork when I see it, I am in need of an impartial advisor how can I reach out to yours? I have a more than a handsome amount to invest into the stock market but with the right guidance.
@carolinekellysarin3282 3 жыл бұрын
@@johnsonlyndon6332 Over the past 10 years i did manage to beat the market by a nice factor with a little amount of risk always stuck in an efficient investing model without beating myself up about how to beat the market. I make 600k a year give or take, My goal is to be financially blessed by end of 2020 at this pace but have to attribute this only to guidance of a SEC regulated investment adviser, LISA JILL GRENELL while i have monopoly access to my account and funds.
@GrayWithMe 3 жыл бұрын
I am crying while watching this. I resonated with so much of what you said. Growing up poor and living in a trailer I always wanted to be “successful.” I wanted people to look at me and my outfit and NEVER know where I came from. Everything, from my the way I speak to accessories I wear has all been built on the premise that I need to hide where I am from. It’s really a sickness. I want everyone who sees me to say I am successful. I want everyone to say I’m educated. I want everyone to say I look attractive. Well guess what, along with a huge pile of embarrassing debt, this exhausting quest for perfection is unattainable. There will always be someone with more. And being rich doesn’t make you a better person any way so why have I spent so much time pretending to be one!!!??!!
@turtleanton6539 6 ай бұрын
Indeed😂😂😂
@monikakress3867 3 жыл бұрын
I now view all my shopping through an environmental lens. All these material items will ultimately wind up in a garbage dump someday. So when I go to buy something, I imagine what that looks like, and almost always I reconsider buying that item. I try to get as much use as possible out of the stuff I already have.
@MrsHi1206 3 жыл бұрын
I had to learn that no matter how much I bought, I would never have enough. That no matter how much I got, by my next pay check I’d have a list of things that were ‘this is it, after this I’ll have everything and I’ll be happy’ but it never ends. I took stock of the advertising I was exposing myself to via Instagram and KZfaq and stopped following people who made me want to buy things (even though I liked their content) just so I could get ahold of myself.
@tataandre6305 3 жыл бұрын
i thought it was just my issue to buy smth and swear that now i had everything and no more purchase would follow :))
@freddy8915 3 жыл бұрын
wow, when you talked about how you used to take value in people’s complements about your outfits hit pretty hard. I’m not the standard pretty face, therefore I compensated with outfits and looking expensive so I could feel like I’m on the same level as others. However!!! after this video, I opened excel and now I’m making a budgeting sheet to stop spending so much on clothes
@Christinamychas 3 жыл бұрын
YES! your value is from you ❤️ not your stuff. Love a good spreadsheet too
@solidstate9451 3 жыл бұрын
I'm not pretty either. And I know that no clothing can fix it. I'm compensating it with kindness. And since I know that I can't fix it, I don't even try. I walk around in tinkered clothes and only spend in expensive, ugly, but comfortable shoes. A hippo in a fancy dress is still a hippo. But I'm a very nice, clever hippo who can fix electrical stuff and know how to use the sewing maching, helping everyone who isn't able to fix clothing and installation. My very handsome (I would have married him if he was ugly as Quasimodo), very intelligent and successive husband loves me the way I am. He doesn't care that I'm ugly. He doesn't care that much prettier women than me would have like to have him. And my friends love me, too. You can't choose how you look, but you can choose to be a nice person.
@emilybets418 3 жыл бұрын
Absolutely agree with you.. nobody cares what we are wearing or doing.... and I love that fact. ..just concentrate on what you really want and how you wanna feel. Great content, thank you 🙃🥀🌷⚘
@Christinamychas 3 жыл бұрын
Absolutely! “Do you” is such a mantra in my life these days. ❤️
@jeka13443 3 жыл бұрын
That's not exactly true. Wearing different clothes can change the way you feel in public. But off course you need to remember about your priorities.
@Zm54321 3 жыл бұрын
Problem is, I care about what I wear, even when I’m home alone. I rarely dress up for others if ever. I despise low-quality clothes & stuff and the worst part is that I’m not a fan of sales when it comes to my outfits. On the positive side, I lean towards minimalism, which can help get me out of debt since I buy very little stuff including food. It’s just the hefty price tags that I cannot take my eyes off once I truly need something.
@kaybee2286 3 жыл бұрын
I am lucky to be able to continue to work as a healthcare provider during the pandemic. My income is pretty stable and my student debt almost completely paid off ($4000 left on OSAP). At the same time, I noticed I’ve been compulsively shopping a lot online maybe out of boredom or the need for some immediate gratification. I’ve been struggling with stress and my mood due to covid-19 and demands at work. This was a nice reminder to stop using shopping and instant gratification for emotional reasons. I need to stop wasting money on things I don’t need because it makes me happy in the moment, but doesn’t solve the issue overall.
@Christinamychas 3 жыл бұрын
I definitely felt this in the pandemic as well. Thank you for your work on the frontline - AND YES! SLAY THAT OSAP!!!!
@carolbohn5900 3 жыл бұрын
@@Christinamychas My banker told me that overshopping is a phenomenon he's seeing with many of his clients during Covid. Don't feel bad. Awareness is the first step!
@cherylT321 3 жыл бұрын
I was doing that back in March and April during the pandemic. I spent a fortune on books because the libraries were closed so I ordered a lot of books online. Still, l can’t regret my purchases because those books kept me sane during an unprecedentedly stressful and uncertain time!
@waynefarley87 3 жыл бұрын
I think every millennial needs to see this video! Thank you for sharing your vulnerabilities around money and emotion. I too have gone through a time when I thought that having great clothes or expensive makeup was going to make me a better person, a more well-like person... but the truth is, the people who matter in life don't care about any of that! And I also was given a large student LOC for a professional program, and seeing that $$$ can change your mindset in an instant! Lately, I've been focusing on spending my money on quality nutrition, new walking shoes and focusing on my time outdoors or being active rather than focusing on what others think of my outfit, shoes, or handbag!
@carmenramos2953 3 жыл бұрын
Be careful not to substitute shopping with some other thing like food. I tend to change one thing for another. I always have to be conscientious of why I am doing something.
@michellefreedman5959 3 жыл бұрын
One thing my husband and I have realized after many years is 'There's no magic money'. Sometimes we buy things and just make assumptions that there's always money to cover that 'somewhere' as if magic money just exists around us.
@kathrynp7595 3 жыл бұрын
I only own a debit card , if I don’t have the money I can’t buy it👍🏼
@Christinamychas 3 жыл бұрын
Loveeee it!
@linedallaire9631 3 жыл бұрын
That's what I do as well 👍
@cherylT321 3 жыл бұрын
That’s excellent! I have a debit card and one credit card with a zero balance. I used that credit card a fair bit in March and April, when the lockdown started, buying a lot of books. I made sure to send the money off to pay for the books shortly after using the credit card. I also use cash a lot for purchases when l’m out and about!
@blockAbir 3 жыл бұрын
I mean you can use your credit card to build up your credit but budget it
@insertexplained7133 3 жыл бұрын
You should use a credit card and then pay off the balance immediately using your debit. That way you still have a history on record
@imlena4001 3 жыл бұрын
Played this video 3 times. I can relate with all of your points because I was the exact same. Just recently, I finally paid off my credit card debt. It’s honestly such a blissful feeling. From now on I will budget my monthly spending and make sure that I only buy the things I really need versus the things that I want. Now I’m focused on saving up to pay off my student debt in one go. It’s never been so good to live a humble life ☺️😊 By humble, I just mean that I am no longer shopping and dressing to portray a lifestyle that I cannot comfortably afford. Thanks so much for this awesome video! I hope in the near future, you and I as well as anyone who accidentally stumbled across your video will get out of that hole and live a happy and debt-free life 👍🏻😊😊
@septemberastor 3 жыл бұрын
3:51- by this time I was in tears... I was angry, relieved, excited, frustrated, sad and felt so small...but it finally felt like someone gets it. I needed this today. Keep it up- you never know who is watching and who's life you are changing (today it's me and mine). Thank you.
@Christinamychas 3 жыл бұрын
❤️❤️❤️ you got this. It’s one of the hardest things you’ll ever do for yourself. But also one of the kindest.
@AlliyScott 3 жыл бұрын
You are so right, no one cares! I used to care SO much about what strangers would think of me when they saw me wearing expensive things. But when I am out and about I literally don't look or care what anyone else is wearing. No one cares! And even if I do why would I care what some random person I will never meet thinks about my expensive shoes
@cherishluvsyuh 3 жыл бұрын
I’m currently a full time college student and work part time in customer service. my parents have always been what most people consider “well-off” but I struggle monthly to make ends meet because they don’t support the path I chose. I chose a major in the arts (english literature and creative writing) but my parents who are both in the medical field have been passive aggressive towards my decision. so I vowed to never ever rely on them for money. so I guess a money lesson I’ve learned is that being able to pay for my tuition is more important than buying those purchases that just give me instant gratification. but the struggle is definitely real.
@jenntruong6023 3 жыл бұрын
Awesome! I have a BA in English myself and took creative writing classes in college as well!
@cherylT321 3 жыл бұрын
You’re going to find that your decision to go your own way will make you a stronger, more creative person. Also, the fact that you’re here, watching frugal channels, also shows your head is in the right place! You’re going to go far!
@cherylT321 3 жыл бұрын
@Utajiri Y Thank you. I think it’s really important to encourage others!
@jennifersoto-rinehart8754 3 жыл бұрын
I got my BA in Native American studies. Am I using it? Not directly I got into education and am working on my masters so my knowledge of indigenous people and American history has helped me work with the population I work with better. Good luck and I’m glad you chose your major bc it is YOUR degree.
@katrinaa980 3 жыл бұрын
don’t spend money before you have it, so many times I would almost have paid off my visa and would buy something thinking what’s another $200? I can pay that off when I get paid, my bill is so low. then I would just add a few more things until it was high again 😣 but! I’m officially debt free and am almost at my emergency fund goal! paid off a line of credit, student loan, and credit card this year, despite losing my job and the all around mess of 2020... hope you’ll be in the debt free club soon! your videos have been a big inspiration for me getting my finances in order
@Christinamychas 3 жыл бұрын
Katrina! AMAZING! Congratulations! Best part is, there's no password or secret code to the "Debt Free Club" - everyone can be a member. Cant wait!
@nayaclark2342 3 жыл бұрын
I definitely agree with 'that special occasion/event will never come'. My current mindset is that if it does, I can just throw on a monochromatic outfit, with a nicer pair of shoes that are already in my closet, and call it a day. I already have a pretty minimal lifestyle. I'm currently $13,500 in debt with student loans, which honestly isn't as much as a lot of people, but I plan to start chipping at it soon. This video was a very validating confirmation that there's a lot we simply don't need.
@kt334 3 жыл бұрын
I spent the last three years being in and out of debt, for same reasons as you. Chasing a lifestyle I aspired to have - a beautiful wardrobe of clothing and expensive makeup... even though my lifestyle is VERY simple - I never have fancy parties or outings, and i don’t make much money. But I kept charging on my Credit Card even though I had less in my bank account. I was embarrassed to be in debt when none of my friends or family were. Only now at 25 I’ve begun to work on stopping my shopping addiction. I paid off my debt this year and I hope to never be in debt again. Trying to seek happiness in owning less clothing and less items.
@Christinamychas 3 жыл бұрын
Yes, KT! You got this! I will add to do your best not to feel like you're the only one of your friends and family who is in debt. Statistics show this is highly likely untrue. You're not alone ❤️
@cherylT321 3 жыл бұрын
Wonderful! Some people never get to that point. Congratulations for deciding you deserve better with your life!
@TheWellnessAbbey 3 жыл бұрын
I couldn't agree more with the points you've raised in this video. There's so much pressure online to constantly buy clothes, renovate and extend your house etc. and it's all for what- if you already have enough for what you need- there really isn't much point in just acquiring more stuff because everyone else is doing so. We all really need to focus on what makes US happy and also saving up and investing for the future x
@taraa4281 3 жыл бұрын
I’ve never been in any kind of debt “knock on wood” and that includes student loans bc my refugee parents really sacrificed and saved a lot to send me and my sister to uni and also grad school (I’ll be starting my PhD soon and they still pay my tuition!) I know what a privilege that is. I’ve learned from my own overspending how important what they did was for me and really taught me to appreciate what I’ve been given in life. I don’t need new clothes to make me feel better about my body I need to accomplish my goals with the resources I’ve been provided!
@carmenramos2953 3 жыл бұрын
Debt is like weight gain. It comes on fast but it's difficult to get rid off!
@quietandsun 3 жыл бұрын
I never was in debt nor do I own credict card. Life never was easy for me and there were a times when I had to have 2 jobs to get by. Nothing scares me more than being below 0. I hope you will be debt free faster than you think 💪
@naushinvighio 3 жыл бұрын
I absolutely love this new content!!! I feel like we all grew up and out of the haul and spending mentality of old KZfaq, and I am digging the debt, money, and finance talk. Keep it coming!!! Thank you! I’ve got student loans left to pay and my goal is by next year!!!
@Christinamychas 3 жыл бұрын
Thank you!!! Yes me too! I admit I still do have some fashion videos coming down the pipeline, but def moving more into this territory for sure. It feels so much more natural now and I hope provides more value. It's so true, I feel like there's a shift happening on KZfaq! Thank you, Naushin! ❤️
@marynorton6068 3 жыл бұрын
Finding joy in what I have and being genuinely happy for other people if they have more than I do. It’s a weight off if you’re not negatively comparing yourself to others and i don’t feel the need to chase an image or keep up with the Jones’s.
@Christinamychas 3 жыл бұрын
Wow, this is a POV I've never thought about and I just love it. Such a mindset of gratitude and abundance. Thank you, Mary!
@joyous2theworld 3 жыл бұрын
Thank you for your honesty.
@iDrive123 3 жыл бұрын
I was the same as you except I did it into my 40's. I finally wrote down a budget and am sticking to it and will be out of debt in a few months.
@ritatocta7583 3 жыл бұрын
❤️
@amberp5207 3 жыл бұрын
Thanks for being real, raw and honest. Great advice☺️
@jackiejack3060 3 жыл бұрын
I used to impress other people by the clothes that I wear even though its not really my style but thinking that i need it to impress others. Now i realized that i am not really happy impressing others. Being much simpler makes me happy and gives me freedom.
@mauraronda1265 3 жыл бұрын
Thank you!!!! Needed to see this. I really appreciate you doing this video!
@cotus2 3 жыл бұрын
I’ve learned that people’s stuff usually don’t make interesting conversations. Also it’s the environment you’re in. I’ve spend parts of my life in remote places (but not really poor or drastically underdeveloped) and i felt really free from consumerism because I was never surrounded by it in a sense that there was not so much to buy or need really. It was an incredible lesson and experience that I try to remind myself of whenever marketing gets me
@Christinamychas 3 жыл бұрын
That is SO true!
@alexqzed 3 жыл бұрын
You and me. Thanks for sharing. Takes courage. Much love.
@juliaelinschrommetter 3 жыл бұрын
So inspiring! Thank you so much!
@karinajoanna2513 3 жыл бұрын
Thank you for being so vulnerable, genuine, real and just awesome for putting yourself out there and sharing all that you have and continue to share ❤️
@ericapedroza7067 3 жыл бұрын
This is your awakening! You got this!😊🙏💪
@roseemich 3 жыл бұрын
good luck on your debt free journey! one tip i would give is since you are into fashion, try selling some old clothes/shoes you haven’t worn in 6 months or a 1 year if you do want to buy new fits. Its something I did when we started our debt free journey. we are also on our debt free journey and are documenting our financial journey here on youtube. we started w/ more than $47K of debt in june and are now 2 months away from being debt free! its not going to be easy and deff have to learn FOMO (i did anyways) but its totally worth it in the end! again, good luck! :)
@Melly16yr10 3 жыл бұрын
Refreshing to see to be honest actual decent advice people can use
@carlav8357 3 жыл бұрын
So courage to share, thank you for sharing!
@emilys1045 3 жыл бұрын
Such a great video!! I really needed this right now! Thank You!! Will be putting all your tips into practice ❤️
@sarahparcupine 2 жыл бұрын
Thanks for sharing this Christina. Relatable
@karlamemmott7030 3 жыл бұрын
Thanks for your openness. I heard phrases like “debt snowball,” “ask if you can afford the item, not if you can afford the payment,” and saw the scissors to the credit card image. Looks and sounds like Financial Peace. If that’s what you are doing, keep it up. It’s tough, but it works. On that path for well over ten years and it does bring peace of mind.
@Christinamychas 3 жыл бұрын
On the Uncle Dave plan, you got it!
@karlamemmott7030 3 жыл бұрын
@@Christinamychas Uncle Ben is part of family. We don’t want to send him away, nor Uncle Jackson, Uncle Hamilton, Cousin Lincoln, and Grandpa Washington. Keep it up!!
@LDD143 3 жыл бұрын
Thank you for sharing your experience. You seems so honest and lovely.
@robertab.7520 3 жыл бұрын
best video ever on youtube. omg so honest! and i needed to hear ever single one of those lessons!😪
@rachelchingka 3 жыл бұрын
Thanks for sharing. I am not in debt, but I like to hear other people's story to constantly remind myself to control my spending especially during holiday shopping season. I am an accountant who manage other people's money well but I could never manage my own well for some reasons. I am still learning and improving my will power on not buying things that I dont need.
@leanita7549 3 жыл бұрын
SO on point!
@joushlynjones1193 3 жыл бұрын
Thank u for this video! Real life here! I feel less alone.
@ilovemyMAC1000 3 жыл бұрын
thankyou for sharing. honest. real.
@BrandochGarage 3 жыл бұрын
Yayy!! good for you!
@elvist2810 3 жыл бұрын
Loved this video. So real and down to earth.
@natalieb2319 3 жыл бұрын
I’m so insanely grateful for these videos. I too am in a tremendous amount of debt that I racked up myself, trying to chase that perfect “image”. I have a closet full of gorgeous, expensive clothes and no savings to show for it. Sigh...I’m trying to relearn my relationship with money and it’s really really hard to stay on track and dig out when it seems like I can’t find the light at the end of the tunnel anywhere. So thank you! These videos keep me motivated!
@ronaldwilson2539 3 жыл бұрын
How are you doing today Natalie Boehler? Its really nice having you on here how are you doing today? Its really nice having you on here you seems nice, caring, honest with good heart person by your picture look,so crucial to provide balance in both partners
@CodeMonkeyCharlie 3 жыл бұрын
You are on a good path. Taking responsibility for educating yourself about finances so that you can take control and gain confidence for the future is something that I wish everyone was taught. It sure is a lot easier to sell people on getting rid of their responsibilities than it is to embrace them, sadly, even though the latter obviously develops you into a more capable person.
@elle_park429 Жыл бұрын
Love how u are very much honest with ur experience and everything.
@FineNaturalHairandFaith 3 жыл бұрын
Such a real and honest video. Thank you for sharing.
@Christinamychas 3 жыл бұрын
What’s a money lesson you learned that changed the way you think about it? 💸
@Cookie7294 3 жыл бұрын
Read a book called The Wealthy Barber, and started automatic savings.
@Antistylestyleclub 3 жыл бұрын
Making a list of what I value and where I put my money in... That gave some perspectives :) Trying to make them the same list
@VeganPanda4 3 жыл бұрын
Don’t buy something unless you can pay for it without a loan or credit (except for a house). I’m 31 and my husband and I have a paid off house, cars, and $180k in savings, plus retirement savings. Such a good, freeing feeling.
@LangitBella 3 жыл бұрын
No more credit cards. I pay in cash now! If i dont have the money. Too bad!
@reanndacli3421 3 жыл бұрын
Thinking of the time it took to make the money I'm spending. So that dress isn't $120, its an entire day that I spent at work. Also tracking my expenses. The app I use also shows me how much I'm saving and its fun to watch the number go up every month
@salenarichardson2766 3 жыл бұрын
Lesson #3 - yep
@Christinamychas 3 жыл бұрын
😉
@searchknowledge7081 3 жыл бұрын
The best video ever I saw on KZfaq about real lesson from debt .. thanks a lot for sharing these wisdoms and life lesson . God bless you
@mschaieme 3 жыл бұрын
Thanks for sharing ♥️♥️♥️
@MonethSato 3 жыл бұрын
Thank You for this video☺️
@elizabethw3874 3 жыл бұрын
Thanks for the video! Stay encouraged and motivated on your journey...you will achieve debt freedom!
@Jenn36xo 3 жыл бұрын
I'm finding that as I get older and closer to my late-20s, I'm not really shopping to "look" a certain way anymore. In university, I'd shop at h&m a lot and buy a lot of low-quality pieces because it made me look preppy and business casual because I wanted to be taken seriously (I was a political science major). Now I dress more for comfort, and I invest into staple pieces that aren't super expensive but definitely better quality and fit me better. The last time I bought an expensive shirt from Aritzia was boxing day and I really thought about how often I'd wear it and if it justified the price tag (it did!)
@cherylT321 3 жыл бұрын
That’s great thinking!
@geraldpiwowar4088 3 жыл бұрын
Very brave and smart video - and a nice gift to others. Thank you.
@Casscapri 3 жыл бұрын
Such important lessons! Congrats to be in this fascinating way of becoming more minimalist, and more focused in being and not possessing. You are so nice just this way...
@Lauren-wp5vc 3 жыл бұрын
You gained a new subscriber!!!! I needed to hear this !!!
@ina505 3 жыл бұрын
ty for sharing... i am working on paying my debt
@heidiakuezumba 3 жыл бұрын
This was nice to watch because it is totally relatable. It is not easy coming on the internet to talk about your current financial situation/challenges. I can totally relate to your content in this video. Because of how humble and real you are, you just gained a new subbie.
@munirasultana2313 2 жыл бұрын
Loved your video 💖
@sunbabyocelot 3 жыл бұрын
Real facts, thank you
@victoriaannmiddleton318 3 жыл бұрын
Excellent. Full of good common sense and advice
@LisatotheMarie 3 жыл бұрын
I relate so much to everything in this video! This is exactly how I got into debt, but we're definitely going to work our way out of it now with a budget and giving zero f*cks about impressing others with "stuff."
@jove2666 3 жыл бұрын
I can relate . So many Life lessons about debt that I learned the hard way.😅
@yellktsueg1584 2 жыл бұрын
Gosh, i don’t think I’ve resonated with anything more in my life. This year I’m so determined to break the cycle. Thank you for sharing your journey and for your honesty. ❤️
@JolenEE148 3 жыл бұрын
Thank you for this video. I relate to this video so much .
@Christinamychas 3 жыл бұрын
🥰🥰🥰 we can do this!
@cozzy8910 3 жыл бұрын
Real honest reflection 👍👍
@AlinaMcleod 3 жыл бұрын
Fantastic points. Thank you for being so open and honest :)
@MsRaeRae 3 жыл бұрын
I’ve never been debt free, but I will be in 8 months 🥰 it’s so worth it
@KimHmrs 3 жыл бұрын
First thing I did when moving in on my own, was making an expenses tracker in Google Sheets. I can update it where-ever I am, and even track future expensive to prevent unpleasent surprises.
@melissaandreag 3 жыл бұрын
This is great!
@boldennotaryla 3 жыл бұрын
I've learned some of the same lessons you've learned. I'm working on paying off my debt as I type. You're right, no one cares about how you look, what you have, where you live but you. This pandemic has really driven the "minimalist" lifestyle home. I've cleaned out my closet of all the crap, cleared my finances, set up a budget, and am using all of the unnecessary mess I've purchased. They say hindsight is 20/20, well 2020 has taught me all the things I thought I needed, I didn't and I don't. So here's to staying focused on a debt-free journey!!!!
@zairanieto3608 3 жыл бұрын
I feel so blessed that I have learn from a young age the importance of not over spending and saving money. Thanks to it I bought a new car and will graduate debt free.
@andreapoulieva6717 3 жыл бұрын
I'm so excited for you to be debt free ! Well done 👊
@Christinamychas 3 жыл бұрын
eeeeee thank you!
@tessamaurer3760 3 жыл бұрын
Thanks for this video. Makes me feel a lot better!
@Christinamychas 3 жыл бұрын
You got this, Tessa!
@jennyherzog9872 3 жыл бұрын
I totally agree with your points. I was doing great before Covid-19, then I started shopping again and I moved to a new apartment ( furniture shopping too). I’ll do a no buy two months and I’ll make a shopping list for January (sales) for necessary stuff. I’m not in debt but I feel I have enough. I’m trying to be more minimalistic. You’re doing great! Love your videos! 😘
@ronaldwilson2539 3 жыл бұрын
How are you doing today Jenny Herzog? Its really nice having you on here how are you doing today? Its really nice having you on here you seems nice, caring, honest with good heart person by your picture look,so crucial to provide balance in both partners
@javiiking6363 3 жыл бұрын
Story of my life. Thank you for this. Subscribed
@msmayven 3 жыл бұрын
Started using Every Dollar 4 years ago and recommended it to countless people. Great channel!
@arterdaniel7878 3 жыл бұрын
This was a very helpful video 🙏🏾🙏🏾
@alycenx 3 жыл бұрын
Overspending for me comes from depression, which is so unhealthy. Unfortunately it costs a lot to work on that too.
@christianemitchell6227 3 жыл бұрын
I love this video! Thank you! I also follow Dave Ramsey - his baby steps are life-changing.
@Christinamychas 3 жыл бұрын
They really are ❤️
@michellegonzalez6798 3 жыл бұрын
Amazing video! I've definitely learned that simplicity is key!
@Christinamychas 3 жыл бұрын
It really is!
@katarina4546 3 жыл бұрын
ouf the special occasion hit me hard, also I would be so grateful if you could do a vid about how to do one's taxes in Canada, especially for the self-employed!!
@carlav8357 3 жыл бұрын
You said it ALL, I'm hurting because of my behavior! In not as young as you!
@thatgirlnetty5308 3 жыл бұрын
You're so brave to admit this, realize what you've done and trying to fix it. So many friends that I've talked to spend and hope everything falls into place, me included. It's quite an eye opener to realize that people don't care and honestly it's sad. You speak the truth and I hope many that are in the same predicament are listening to what you say.
@T_Ivanova1 3 жыл бұрын
For me the biggest lesson was saving. Even just very little per mont. But it gives a thrill to see your savings grow and you kind of start thinking more like "wait if I buy that my savings this mont will be less than usual" and I stopped buying a lot of the useless things I used to "reward myself with". Funny enough I realized I low-key love not spending 😀
@jhenneyocampo8434 Жыл бұрын
Oh my Gosh!! I am so you!! word per word.. everything you said, exactly describe me!! I always buy something fancy just to look good, just to show people that I am successful but in fact i am not. I am drowning in debt! why is it only now that I found your channel. thank you for this, I am learning.. 🙏
@riccardogiuseppe6635 3 жыл бұрын
Great video! was as if you knew I needed some help
@kathleenhill5838 3 жыл бұрын
Thanks for your insight
@Christinamychas 3 жыл бұрын
thank you for your support!
@mielytominimalist1237 3 жыл бұрын
Thank you for that video really
@wiktoriawabnyc 3 жыл бұрын
"see if you can afford it not just that you can afford to pay the price" greatest advice
@Missfoxtooyou 3 жыл бұрын
I appreciate how candid you are. I’ve had the same views with money and stuff as you had described, and then over time I figured that no one cared too. I was seeking validation that was never received. So I took my finances into my own hands; and now live debt free. 😀
@Christinamychas 3 жыл бұрын
YES!!! I love that "I took my finances into my own hands" SO EMPOWERING just to even read that. Love it, Sandy!
@Whatever1992 3 жыл бұрын
You're one of my favorite people to watch on KZfaq. You are so open, genuine, and insightful.
@Christinamychas 3 жыл бұрын
omg thank you Erika! im honored!
Personal Finance with Leila - Debt Over It
Рет қаралды 3,2 М.
TheSoul Music Jam
Рет қаралды 23 МЛН
Christina Mychas
Рет қаралды 33 М.
Christina Mychas
Рет қаралды 36 М.
Christina Mychas
Рет қаралды 194 М.