5 bad money habits that were keeping me broke

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Күн бұрын

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In today's video, I'm sharing all the bad money habits that were keeping me broke. When I addressed these attitudes and behaviours towards my money, that's when I started feeling more in control of my own personal finances. It's also how I was able to change my consumption habits, and how I was able to tackle and pay off my $120,000 student loan debt.
What are some habits around money you are looking to change?
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ABOUT ME:🌿
I'm Christina, friendly neighbourhood human on the internet slash pharmacist. You may have previously known me as Style Apotheca. I'm living in Toronto, Canada and on my channel you'll find me on my journey towards minimalism, being content with less, recovery from a shopping addiction, and my journey towards financial freedom from over $120,000 in student loan debt. Thank you SO much for watching and taking the time out of your day to support my channel. A little thumb always helps support me!

Пікірлер: 143

@Christinamychas Жыл бұрын

What are some bad money habits that You’re working on facing?

@lizzabbott Жыл бұрын

Not saving ! 🤦🏻‍♀️

@wakeupstylellc Жыл бұрын

Eating out is killing my debt free goals. I get sooo lazy to cook 😅

@BeeBaldwin Жыл бұрын

I still get a rush/oooo feeling even when I’m not looking to buy anything! I’ve been focusing on spending money more on experiences and not things.

@clotildeb7315 Жыл бұрын

Errmmm... Not having a job!

@lubnan08 Жыл бұрын

@@wakeupstylellc same

@vionaelbe Жыл бұрын

Timestamps for you all :) 1. Yolo 1:27 2. “Just picked it up” mentality 3:37 3. Joking about being broke 4:58 4. No plan 5:51 5. Not having an automated money system 8:44

@eleanorandrews6048 Жыл бұрын

I'm turning 51 this year and are only now making a change in my money habits to pay off all my debt ,I'm literally half way through all my debt and going strong 🙏

@KateKay28 Жыл бұрын

Good for you Eleanor!

@JudelovesRiver12 Жыл бұрын

Awesome job!

@user-rr8xo6li2s Жыл бұрын

I’m 52 Eleanor and in a very similar place. It’s never too late & I feel better for finally control. Good luck - we’ve got this!

@TheNinnyfee Жыл бұрын

Very encouraging to read about "older" ♥️ people that are also still transitioning. I was done already but then "relapsed". Now I hope I will be free by the end of this year for good.

@gc377 Жыл бұрын

Rooting for you!!

@carlsenlifeafter60carlsen11 Жыл бұрын

I was never taught about money and I think it is very important to learn at a young age. I feel it’s connected to your self-esteem. If you feel good about yourself you don’t have to spend a lot of money to impress others. If you don’t feel good about yourself you’re always spending money. Anyway that was how I felt. I married a CPA and he taught me about money management. I am grateful . I will give you a piece of advice from someone who’s over 60 that if you don’t have money when you’re older it makes your life a lot harder. You need to save for those days that you’re not going to be doing well in your Health.🇺🇸😊

@paulacostello6912 Жыл бұрын

Nice to see a Canadian youtuber. I "coasted" along with maxed-out credit cards and no savings until i was 58. Glad to hear you smartened up sooner. :)

@marissacal29 Жыл бұрын

I think my bad habit is "being an ostrich" - keeping my head in the sand and being unaware of what I'm spending. My husband and I make decent incomes, and he handles our finances, so I kind of just assumed things were fine and went about living life (so a little YOLOing too I suppose). I didn't feel like I was making extravagant purchases, but lots of medium and little ones do add up... actually that's even a lie. We did have several big purchases associated with fixing up a home we purchased last year. So anyway, once I realized we were on a downward spiral of credit card debt, I took the time to comb through every purchase over the past few months and was embarrassed at the amount of money we spent on such pointless things. So for me, just the simple act of knowing where the money goes has helped us take some big corrective steps.

@TheEmzies Жыл бұрын

It's really important for both partners to be involved in the finances. One of the things I've learned is how many women leave money management to their partner and then are left in the lurch when things go bad.

@marissacal29 Жыл бұрын

@@TheEmzies totally agree. I almost edited my post to say something along those lines. While I've always known where we stood in terms of income and recurring/monthly bills, it was the more discretionary income and actually balancing the books every month where I became complacent. Definitely important to have a clear picture of it all. Thanks for raising this point!

@dchen8874 Жыл бұрын

i think ive got a few bad habits: - fear of missing out (game purchases and fandom merch) - sales (mostly clothes) - "i'm hungry/thirsty and tired so im just going to buy something from a restaurant instead of homecooking"

@khalilahd. Жыл бұрын

I definitely have a bad relationship with money and I would love to change that. I have a few of these bad habits and now I’m ready to evolve 🙏🏽

@Christinamychas Жыл бұрын

You got this!

@yazzybananas3106 Жыл бұрын

Girl, I'm on the same boat. Even though I have been saving for some time now, I didn't realize my shopping was out of control. I could have been saving even more! What helped it snap into reality for me is adding up all my shopping expenses of the year so far. So January to July of 2022. When I tell you, I was shooketh to my core when I saw the total 🥴 I added all my poshmark, in-store, and online shopping receipts. Atleast, all the ones I could get my hands on and find. My next step is to stop impulse spending, and have a $500 yearly shopping budget. I'll write down all my purchases to make sure I don't overexceed that number. Along with making sure my purchases are thought out well.

@lubnan08 Жыл бұрын

Same. I need to change.

@shellbell8062 Жыл бұрын

One thing that gets me into trouble EVERY TIME is watching stylish influencers. Once I see them in a gorgeous outfit I hit pause and go to search for the items. I do have an amazing wardrobe and I have plenty to wear - no need for any more especially considering that I have no savings. I can't tell you how many times I go through the spend-guilt cycle. Perhaps I need to ban myself from watching the videos.

@Christinamychas Жыл бұрын

I still struggle with this often too. I often unfollow for a bit as needed, but another thing I do encourage you to try is removing the guilt from the equation! Is there a way you can set yourself up so you can spend some of that money (mindfully!) on the things you’re interested in guilt free? Automating my savings etc has helped that aspect a lot for example!

@tataandre8907 Жыл бұрын

same here :((( actually meditation somewhat helps me to be a little bit more conscious and when i scroll smth and find myself brousing that exact shirt on the website i get out of the trance and close the page))

@jenquarry7169 Жыл бұрын

I recommend also watching Alyssa Beltempo - especially if you actually love your current wardrobe. She talks all about wearing the clothes that you have and using what you to create your own version of the outfits that you see. It might help you think about that inspiration a little differently. Instead of thinking “I need to go buy those exact items” it’s “let’s dig into my closet to recreate that outfit using items already in my closet”.

@neitilusikka4226 Жыл бұрын

I have noticed that watching influencers who buy constantly really triggers me. I never look up what they wear (I can't afford to buy 1000$ dresses). What I do is to "onlineshop" (in a cheaper platforms similar items), I put items in my basket and leave them in there. If I really want/like something I re-visit the page after a week (if I even remember it anymore) and then I might buy it. I never use creditcard to buy clothes etc. I have to have that money in my account. I have automtised my savings, when I get my paychek the same day all my savings/investments and monthly budget will be transferred to my usable accounts. With this system I have been able to save quite significant amount of money (from a low-ish income).

@ginac4153 Жыл бұрын

Fantastic video as always Christina. you've inspired me so much, as a fellow spender who had a weak spot for clothing and shoes. who has turned things around 180! To address my online shopping habit, I've increased hobbies like hiking and gym classes instead of browsing online for clothing or on the Gram. In 2022 I listen to personal finance podcasts for inspiration, rather than watching the KZfaq haul videos that I watched in 2021. My personal finances have had a complete makeover!

@lindaraj3643 Жыл бұрын

So inspiring!

@sim771 Жыл бұрын

Honestly, for me it wasnt until i got a professional diagnosis of my adhd that i was able to really start changing. Shopping addiction is real, but for me it wasn't addictive spending. I had all of the elements amd knowledge in place and would buy impulsively/hyper-fixate. It isn't an excuse, no creditor g.a.f nor will you get any breaks. If you've done all the work (cutting out social media, financial literacy, mental health work to not emotionally spend or fomo, goal setting, etc) and you're still having issues with spending and don't know why, seak professional, psychologist, help because there might be something deeper that no amount of self-help or gurus can help with (you'll be spending money on trying to not spend money)

@sim771 Жыл бұрын

Essentially, if i manage my symptoms, ai manage my shopping. But ubtil you get to that point where everything else is managed and only your symptoms are left, then it won't be the full solution

@AlexLouiseWest Жыл бұрын

Well done for getting your diagnosis, and for realising there was something additional going on.

@Sourcingandmending Жыл бұрын

Congrats on 100 k! Well deserved!

@catherinejohnson2762 Жыл бұрын

I love listening to you in your videos, keep your lovely energy! 🧡

@SimplyAby Жыл бұрын

congratulations to the 100k 🥳 your contents are very helpful and very relatable. 🥂 to more financial journey with you, Christina 💗

@annasssokol Жыл бұрын

Christina, thank you for your videos and being honest, it is so refreshing and relatable

@musingsofamuslimah2018 Жыл бұрын

Congratulations on reaching 100k! You really deserve it. I've been following u for a while & had so many AHA moments watching u articulate what i have been experiencing, but unable to put into words myself. Thank you for being the inspiration for starting my own journey to becoming debt free. Stay blessed 🌹

@vidamaria29 Жыл бұрын

For me, this was one of your best videos. Thank you!

@judyvsworld Жыл бұрын

i love the editing of this video!! i'm ready to binge your channel

@thaohuynh4977 Жыл бұрын

Love your videos. Please keep them coming!

@amanda.strutt Жыл бұрын

This was SO helpful. I'm actually excited to pay off and build something for myself now!!!

@eneidaesser566 Жыл бұрын

Thank you. I am struggling every day with my addiction to shopping. I look in my closet and am overwhelmed and never know what to wear. It looks like a boutique with beautiful clothes I don’t even know how to put together.

@HannahMarieee Жыл бұрын

These are such good tips, thank you so much! 🙏🏻

@tinaorozco3447 Жыл бұрын

This makes so much sense!

@mab3900 Жыл бұрын

I love your videos. I like the fact that the points you make are genuine and not predictable!

@myrnaj4502 Жыл бұрын

We all can learn from this ❤️🙏🏾❤️.

@Christinamychas Жыл бұрын

🥰

@amyrvlogs Жыл бұрын

I lived the YOLO life for way too long, just thinking I would eventually make enough to pay it all down within like 6 months… I’m still early on my debt-pay down journey, but feeling a change in my habits and how I think about money has definitely helped me feel more confident in being able to achieve a debt-free life!

@athenaabarnes Жыл бұрын

Great video! A lot of people don’t seem to come the same realizations as you have. Personally I love a good sale, and shopping in general. I’m on a no spend for certain categories, but for everything else a dedicated spending fund helps. It limits how much I spend, and I have less guilt because the money is already spoken for ✨

@jbar234 Жыл бұрын

Thank you for this, I am trying to get credit card debt under control and be a better example to my teenager who just got a job. I realized a few months ago I had way too many Amazon subscribe and save things going on, many of which were not timed well at all-ended up with like five big bottles of shampoo that arrived within three of each other and some products weren’t even getting used at all. So I made a lot of adjustments and canceled some. My other issues is “but it’s only $20, it’s only $50 such a great deal, it’s only $10/month, it’s only…” You get the idea. Just being more self aware is half the battle for me and I am definitely going to start using more cash for things.

@Sexy-Gnome Жыл бұрын

This was the most helpful, realistic, and eye opening video I've seen on KZfaq. Perfectly worded. I related to this a lot. Thank you for posting this - I'm now subscribed.

@gaudyronan8874 Жыл бұрын

Love love all your videos!

@karosway Жыл бұрын

Wow, thank you so much for sharing. You really did something to me here. My goal to be dept free was always there, but somehow I had no clue how to reach it. But putting it down to these aspects really helped. The sum I need for me goal is quiet overwhelming, but I will start from the beginning and will be able to reach it.

@elizamartin4263 Жыл бұрын

I found your channel through Chelsea (The Financial Diet) and I think it was perfect timing! I've been slacking on budgeting and allocating my money towards long term goals instead of short term fun. Your videos encouraged me to pay more attention to this and make changes. Thank you!

@jlkitz1775 Жыл бұрын

Thanks for another great video. I've been debt free twice, so am encouraged; my car is older & paid off; I have no credit card debt. I'm 53 y.o. and still working at keeping my spending in check (small things are easier than waiting for the BIG purchases).

@emilytahni3139 Жыл бұрын

Would you consider making a video for us on how you have adjusted your spending/budget given inflation and the recession? ...especially as a millennial in Toronto - eek! Thank you!

@Christinamychas Жыл бұрын

Yes! I’m making a video of exactly how I budget soon! I can incorporate it there 🥰

@juliacann892 Жыл бұрын

I love how you explain things! I really feel like you’re speaking my language. I couldn’t figure out why I’m always broke and waiting for each paycheque. Hearing these and watching your other videos, I think I get it!

@HannahMarieee Жыл бұрын

I agree that this way of explaining is so clear and on point💗

@AEOversity Жыл бұрын

It takes guts to be honest about this bad money habits. Thanks for the pieces of advice. I mean it is really different if u urself experienced broke years. I’m new subscriber. I like how u narrate, not condescending and insincere but just like talking to a friend. 🙏🥰

@emilykochco Жыл бұрын

finally watching this now, Some things that have been bad habits for me is eating out ( especially on the weekend with the kids) going to coffee shops just because I want coffee. Buying groceries but then forgetting things and spending way more than I thought. buy new food and not using the food from home. buying things because I want it and not really accessing my budget. Im in the middle of doing a complete budget change because things arent working lol

@linnaeuskuderewko Жыл бұрын

i didn't think this video could be any more perfect until Neo came up and you mentioned being Canadian!! 😭😍🇨🇦

@fortresssnug Жыл бұрын

I love this content!! 💎💎💎

@jlkitz1775 Жыл бұрын

Encouragement, provision & peace to those who are jobless right now, or being paid below cost of living ✌🏾❤️

@heyygurrl08 Жыл бұрын

thank you for this

@docnat09 Жыл бұрын

Great video!

@tinaorozco3447 Жыл бұрын

This is such good advice!

@Christinamychas Жыл бұрын

So glad Tina!

@jenntruong6023 Жыл бұрын

Good that you are debt free now- my husband and I are trying to pay off an old loan so it will take a while (a few years maybe). But we are chipping away at it and have a plan so we will just have to be patient for our future goals (forever house, new furniture, traveling more)

@Secretgardenvintageapartment Жыл бұрын

Oh my gosh I did every single one of them. I never even thought to automate. 😮 my mind is blown lol

@inderjitkainth5353 Жыл бұрын

I’m lucky that I live at my parents (Indian daughters usually stay at their parents house till they are married or find a job out of the city I still pay my own bills and help out with food cooking and cleaning etc) so because I live at my parents I just put what I would be paying on rent into my tfsa (because Tfsa money is still accessible) I’ve been doing this for the past 7 month and have saved up 8500 I’m gonna try maxing out my tfsa because I think that’ll help me retire with a million. I also have a really good pension program at work and will likely hit my magic 80 by 60.

@aishaish531 Жыл бұрын

May i ask what you do for work?

@Budgetmeright Жыл бұрын

The envelope system is the only thing that worked for me. This way I have to actually budget for something if I want to buy it. Also paying your self first was key for me. We all work so hard, we totally deserve to save some before start paying bills and spending for variables.

@tearose6618 Жыл бұрын

Can you go more into depth on how you worked on overcoming spending money on impulses and instant gratification? I would watch the heck out of that video! It’s something I’m struggling with now.

@tataandre8907 Жыл бұрын

this is a trap of social media to keep us broke)) fashion influencers know which buttons to press on us - shopping addicts. i can't refuse to ban social media for the sake of my wallet but before searching hashtags with my fave brands e.g. I agree to myself to watch for inspiration and I literally talk to myself that god, there are so many talents in the world producing amazing clothing, but you can't have them all, it;s useless, let's just admire quietly))

@PowerOfAIandMotivation Жыл бұрын

Thank you 👍🏻

@tonynguyen7636 Жыл бұрын

Such a nice refreshing aura

@1974lilli Жыл бұрын

I never had such habits. I have a completely deeply different relationship with money and stuff. I don't say that I have a better one. Just very different. The root is surely my immigrational background from the former USSR. I never ever in my life equated money/stuff with success. Having it was never a sign that someone made it. In my professional life I was going for "interesting" and not for "it will give me gainful employment". And somehow I always had enough money. I find interesting in your channel the attempt of conscious, truthful and deliberate living. I think that is something that always leads to success.

@abigailheynen4065 Жыл бұрын

I would love to see a video on how you navigate finances with Jeff, as there are many line items that can overlap in your budget esp when you live together (eg. rent, groceries, housewares/decor). Do you split 50/50, by a percentage relative to income? Would your system change if you got married (eg. fully combining your money/accounts)? As a newlywed currently navigating this topic, I would love to hear your thoughts on it!!

@neitilusikka4226 Жыл бұрын

With my partner we pay procentage amounts of the bills, hence he earns way more than I. This has worked for us, because we both agreed that it wouln't be fair to pay 50/50 when another one earns a lot more in a month. We find it important that both of us are able to save for our future and have stable finances.

@benjy7656 Жыл бұрын

I've gotta better as I get older but I feel like the trap is your life will be better after I get these new pair / second hand pair jeans. Rather then being content with the jeans I already have. If that makes sense jeans are my weekness ha.

@lizzabbott Жыл бұрын

Excellent video as always, Christina ! I’ve been watching your channel for a while, & I am SO thrilllllled for you reaching 100K subs ! CONGRATULATIONS from Buffalo, New York ! Right across the Border ! Liz PS Toronto is a Second Home of mine … in my heart. ( as you can see by my photo haha !)

@pamb2868 Жыл бұрын

I’m 63 year old married woman. We don’t have a lot of money. We did a few months ago. My mother in law left my husband her house. He passed away at the end of last year. The house we didn’t want it’s in a different state. So he sold it by auction. I know we still have money. Just not how much. We have to have money to pay to get a well dug. Once that’s done we my decide to move. We’ve lived in our house two years with a water tank we have get filled up. And it isn’t cheap. So if we could get someone to come drill a well for us it would make our lives so much easier. But I have always been a buyer. I think it stem from me being poor as a child. And now we have money and I spend too much of it shopping. But I’m going to go through my closet. I don’t think I’ll have a capsule wardrobe. But something close to it.

@jesslopez818 Жыл бұрын

God bless you, alot of people struggle with that and you made a point where you said it stems from having less as a child. I totally understand you and it's not easy, sometimes anxiety get in the way too and sometimes just the thrill of having something new. But I want to tell you that prayer works and asking God for help also works. I pray this helps you and I'm so sorry about your husband, it's not easy losing someone. Many blessings to you and I pray you overcome in Jesus mighty name.

@basil33 Жыл бұрын

“Put it in H!” Lol I love the Simpsons clips you pepper in your videos. I remember all of the episodes 🤣

@ryeofoatmeal Жыл бұрын

omg baby pharmacist christina looks like avril lavigne 🧐

@Christinamychas Жыл бұрын

Haha it was 2010 after all 😆😅

@ros8986 Жыл бұрын

Your mention of a Chanel bag led me to the questions - "would I still want a ( XYZ designer brand) bag if it didn't have the brand?" and "would I still want the bag if it was made in a non-european country?" PS - being (newly) vegan, it saves a LOT of money on some things.

@Christinamychas Жыл бұрын

Good call! I might just want to keep the money when push comes to shove. We will see!

@ros8986 Жыл бұрын

@@Christinamychas maybe do some research shopping. You can probably find a well-made no name bag for $200 or $300 rather than a Chanel for $3000 to $5000?

@venusvalera8692 Жыл бұрын

Angela Roi makes luxury vegan bags in case your looking for one

@ros8986 Жыл бұрын

@@venusvalera8692 thank you!

@comfort-and-joy Жыл бұрын

Not sure if this is your brand: but I’d so enjoy a video where you react to / break down the movie confessions of a shopaholic! That could be a fun new stream of content - reacting to / breaking down depictions of women shopping in movies & media and identifying lessons and patterns

@MediaSocrates Жыл бұрын

As of today, your man MediaSocrates is ***DEBT-FREE*** for the first time in a decade!!! 😊😊🥳💯 Thanks for all the inspiration and support! My life is my own again (and my cat's).

@Christinamychas Жыл бұрын

YES! Congratulations!!!!!!

@MarielaMerino Жыл бұрын

baby Christina!

@carolineoehler1924 Жыл бұрын

can you make a video about the plan thing (funds) and the automatic money thing..?

@Christinamychas Жыл бұрын

Yes! In the meantime, I highly recommend the book “I Will Teach You To Be Rich” by Ramit Sethi. That’s where I learned it!

@robinsmith4499 Жыл бұрын

It took years but I make money by having a healthy budget on my credit card. 🙌🏻🙌🏻

@lalalife6231 Жыл бұрын

omggg so you’re a pharmacist!!! hi co-pharmacist 🥰❤️

@Christinamychas Жыл бұрын

Hi pharmie phriend! 🥰 💊

@Shfl99 Жыл бұрын

Can you make a video on investment

@tamaralopicic4866 Жыл бұрын

Could you share with us this monthly plan you built??

@Christinamychas Жыл бұрын

Yes!

@erica6671 Жыл бұрын

It's so hard for me to say no to travel I can't afford because I'm afraid travel may not be possible in the future (more pandemic? regulation of fossil fuel? world war?)

@ASneakerLife Жыл бұрын

FIRE VIDEO!!! I’m in YOLO mode it’s gotta stop 😖

@caro8855 Жыл бұрын

Hi Christina! I would love to know what you do to invest, as a Canadian :) do you do it by yourself, via an app, etc.? Thank you so much!

@Christinamychas Жыл бұрын

I do it through my bank and weathsimple as well! Index funds and ETFs mostly

@albertschulz5575 Жыл бұрын

Valid points, but the only thing that got ME out of poverty was getting a job that paid enough. All the budgeting and frugalism never got me anywhere and certainly not out of debt or to a good nest egg. Decent wages are the basis, not "financial savvy", self-reflection or motivation.

@Christinamychas Жыл бұрын

Yes agree - you can only cut so much

@acmpmen Жыл бұрын

Girl, i drive a 2004 nissan micra aka my surf mobile!

@sablisland Жыл бұрын

2006 Nissan here! 🙋🏼‍♀️ no car payments and I don’t have to feel too preciously about dints, scrapes, being a not-great driver. Everyone I know who has a new car and a hefty payment plans around and worries about possibly damaging their vehicle - at that point I feel like your purchase owns you !

@bellebb8673 Жыл бұрын

@@qxqx3491 Gotta laugh, our family car is 22 years old. We bought it new and I guess you could say we got our money out of it. No plans to buy another one. And we never had more than one car at a time. Where we live does have good public transportation, I know not everyone has that option.

@stacy6437 Жыл бұрын

I love food So I have to eat before I leave home.

@ardendurham284 Жыл бұрын

What money or income budget program do you use?

@Christinamychas Жыл бұрын

Every dollar! The free version

@claudiaalarcon3574 Жыл бұрын

I think for your style, Chanel boy bag or Chanel 19 is more you. Even a reissue style is best. Classic flaps are very formal bags. Just my opinion from a Chanel collector

@karenlindgandrup Жыл бұрын

Which app do you use for budgeting? And method for budget? Thanks :)

@Christinamychas Жыл бұрын

I use the every dollar app! (Free version) and do the zero based budgeting method

@venusvalera8692 Жыл бұрын

@@Christinamychas what’s the zero based budgeting plan?

@wakeupstylellc Жыл бұрын

I see you kind of follow the Dave Ramsey, did you follow what he says to pay off your debt?

@aishaish531 Жыл бұрын

Neo is from which bank.?

@han8379 Жыл бұрын

Where did all your money go? I'm either wearing it,or I ate it?😅

@shachede6828 Жыл бұрын

Me everytime I say I will get my finances together! I DONT! sick of it! Sigh. I make more money so it doesn’t kill me. But looking at how much I earn I could have have done way much more by now. I just think oh $200 or $500 won’t change. This month at the end, I am really going to see where all my money went.

@Christinamychas Жыл бұрын

Highly recommend the book I Will teach you to be rich by ramit sethi! It was a life changer for me!

@angesoie Жыл бұрын

100k dance

@loubo9532 Жыл бұрын

My bad habit is being poor.

@Star124561 Жыл бұрын

I drive a 1997

@tas64 Жыл бұрын

I can't get over the fact that you were blonde!!

@Christinamychas Жыл бұрын

Lmao right? And no idea what purple shampoo was either 😅

@ros8986 Жыл бұрын

Please consider being grateful you don't live in the US.

@halliebass Жыл бұрын

Important points. I had my father, George who told me not to buy anything I didn’t have money for or couldn’t afford. I always had a decent vehicle, but not over the top. I like to travel, and love clothing and shopping, but I am sensible. I retired debt free. Own my own house and put an extension on with inheritance money. No debt. I am in pretty decent shape in my retirement. But we are always on the line, are we not? . I budget and am careful. I pay into my income tax fund so I don’t get a surprise in April. I resist all the pleas for monthly charitable programs. I donate well over the average to charity and maximize my income tax deductions. I am wary of catfishers, as I could be a prime target. Any man that would ask me for money ……..history. Would you like to invest in…….history. I have pared down my wardrobe, as I am no longer working and have some mad money for lunches with friends. I list my upcoming expenses…..fall car and house insurance, wood for the stove, spring is property and income tax…and am prepared to pay them on time. I have never had big debt. I went back to school on a divorce settlement in the 90s and worked while I did my NP part time. I am glad I had parents who were good with their money. They didn’t have a lot but nor did they owe a lot. Glad you have sorted out your debt issues and can still enjoy a little splurge once in a while! I Hope by posting this, I am not inundated with trolls and creepers! Haha!