Have you made any mindset shifts this year? What were they?

I'm debt-free as of THIS MORNING! Even with job insecurity over the last couple of years, I never missed payments, as I made those my first priority. Thanks to content/channels like yours, I was able to stay focused and keep moving forward. Thank you!

“Most of us act like we’re not in it, but most of us are in it” 100000% NORMALIZE being ok with the basics, like packing your lunch instead of going out to eat with your co-workers. This video is what I needed! Hope you have a good day, thank you for your hard work on creating content we need in the real world ❤️

1. Stop blaming, start owning 2. Debt is not a joke 3. Set a Debt Free date 4. Dont fear your budget 5. Let go of bs priorities 6. Be okay with letting go 7. Stop using credit as a cushion 8. Stop looking for a "quick fix" 9. Stop trying to do it all 10. Talk about it Love this video x

I paid off my credit card. Never again will I be a slave to endless purchases and payments which never seemed to go down. Cash is king.

I really appreciate how open you are about your journey, thank you!

You have done a great job in paying off your debt 👍🏼

I forgot to tell you that your style is your intelligence, kindness and natural beauty...not cloth.

I am debt-free. Congratulations on your journey to achieving your goal.

this was REALLY good. i’ve known that i needed to change my money habits for a LONG time but never really wanted to take ownership. this video was an amazing push to ~ actually ~ start my journey. thanks so much!

I think my biggest mindset change this year is living by the rule that there is a large difference between what I can actually afford and what I budget for. For example could I actually afford a much more expensive car than I drive, or buy that amazing winter jacket I want so bad right now...yup...but if I chose to give my $ to that then I can’t budget as much to put into my long term savings or charitable donations which I build right into my budget each pay period. It’s a matter of priorities for me and I just can’t in good conscious choose to spend more on say a lease payment rather than giving to the food bank or animal shelters knowing that others need so much more than myself...choices. I live by my budget and it’s so freeing rather than restrictive! Because I budget I am amassing savings and helping others while also living a comfortable lifestyle. I don’t fall into the retail trap and didn’t spend a dime during the Black Friday/cyber Monday craziness! It was so liberating to simply delete about 500 promo emails and just breath knowing I wasn’t getting myself into trouble. I love how open you are with your debt talks! Very relevant info! ❤️

I’ve followed the zero based Dave plan for over 10 years. Thank you for using your platform to encourage and motivate others. Dave’s plan works. “You will be the same person in five years as you are today, except for the people you meet and the books that you read.” Charlie Tremendous Jones.

Love videos like this. It really inspires me to do better with money. And honestly I agree if you on all the points. Like no one cares what we wear, so I need to stop over buying just because I don’t want to repeat outfits.

Ahhh! I love your money/financial videos. Just wrapped up my first month of zero based budgeting bc of you! ✨✨

Such an important conversation! Dave Ramsay's strategies are what helped my husband and me get out of debt when we first got married. So helpful!

Christina, I originally found you through your first "quitting shopping" video when you announced that you were doing a low-buy and have since rewatched that video a handful of times. I have to say you sound sooo much more confident lately! You seem much more content and I'm so happy for you. Thank you for these videos as they help us too.

Truth have been said in this video 🙌 Am I the only one who used to minimize the problems and sort of waiting for a "magic wand" to fix the mess I burried myself into ? Took me so long to realize the magic wand was "stop buying sh*t".

Oh my gosh, huge congratulations on your debt repayment, you did SO well !!! But i'm quite mind boggled at 120 000 in student loan debt, which is the price of a modest house, here in Belgium, where I studied and got my Masters degree in sociology for roughly 1000€ per year in tuition fees (not including books and obviously not including housing etc). Of course, now I contribute a lot through my taxes, and I am happy to, for health care, education, etc. I thought Canada was similar in regards to education. Did you study abroad, maybe in the US ? Anyways, well done you, babe, you're almost there ! Debt free ! 💋

I luv talking 'Money' with others, cuz my family never talked about it and I was not educated in 'Money' - made SO many bad money mistakes when I was younger. 'Money' (financial) education is so important and discussing 'Money' shouldn't be taboo (cuz we learn so much from each other). No one should be 'ashamed' of their debt - debt happens like shit happens - but learn how to get out of and stay out of debt.

Your videos are so easy to listen to and they should be shown to high school kids getting ready to graduate…thank you for sharing your wisdom. Much love.

I def live within my means I’ve been able to save 20k and I’m 33. BUT i don’t like where I live, living in so cal is so expensive to afford a decent place, so I live in a trailer, I wish it was different for me and my little family.

ooooft that's a brilliant point, how society has made memes about debt, like laughter just hides the problem! thanks for sharing your wisdom with love 🌻

I don’t blame you for blaming yourself. I get it. There is a systemic issue here and the truth in that is why you CAN blame others. Taking responsibility is what will take you forward though. So good job. :)

Ok I love this topic!!! Mindset Hacking is so incredible I myself am blown away of what I have accomplished in this last year and I’ve been Building my ability to really hack my mind science and wow the possibilities are truly endless!!!!! So here for this video wonderful wonderful topic

I am starting a debt free journal filled with advice (a lot from you) to keep in my purse. I'm also going on a low buy next year and giving myself a monthyl spending allowance in cash to curb credit card usage and impulse shopping. I'm also starting a short video series on my youtube cataloging my collection and talking about my makeup addiction. My goal is that making the series will help me spend less or not buy anything at all. I have everything I need

Love this content! It’s so empowering. I’m not in debt but I also don’t have any assets so over the last year I’ve really been working on saving more and not just spending mindlessly. One of my shifts this year was that I need to look at my finances more often (all my accounts) instead of shying away from checking. This year I also learned it’s ok to ask for help, whether it’s talking to friends about their money tips, talking to my parents about their finance journey and getting help from an financial advisor. I’m so proud of myself for finally getting my shit together and kicking myself for not doing it sooner.

Thank you for this video, I definitely have a lot to do when it comes to my mindset. I struggle with debts for some years already and feel so exhausted and overwhelmed. I would love to release from this heaviness and start to live my debt-free life. I'm sure it will happen some day. For now I watch your videos and this is a huge support for me. Thank you for being so true and honest. We'll get through this!

Awesome video! Can relate to so many of the things you mention...the fear of facing up to your debt, using credit as a cushion, telling myself that I will never have to worry, I don’t have kids so I can die in debt...when in reality I am working more and more to make credit card companies and banks richer, while I become poorer... I want the freedom that comes with being debt free - I owe slightly more than you - but I’m just going to have to be creative and disciplined and patient. Keep you eye on the big prize - financial freedom - and do the right thing with your money. Media, influencers are all working against you - they want to sell you stuff. Thank you for speaking truth.

I am so excited I found your channel. I have virtually struggled with all 10 of these my entire life. Thank you

Carrying all of these mindsets into the new year. I want to spend my energy creating something, doing something, spending time with people I love not worrying about debt or looking cool. Plus I completely agree that good things form around slow growth. Loved these!

I subscribed and liked your videos, and also am watching ads so you can faster be out of debt! Thank you for advices, I think all of us needed it. Good luck girl🍀✨

I'm not in debt, but I am currently in school. I realize that the two most common forms of debt is either in your personal finances, or student debt. I appreciate your insights about this topic and how this journey you're on is helping you to gain more clarity and financial freedom. Sending love and support from Tennessee ❤

This is so helpful! I really appreciate your content. As a grad student, getting out of debt is not an option bc my pay is not enough to live on. For me, currently, it’s about trying not to get into more debt. I will pay it off and I know that, but I am ready to start making different choices with my money and my mindset so that when I do have good pay coming out of this student phase I will know how to pay off what I owe ✨ Thank you for normalizing and being honest and clear.

Nice! I love that you quoted Dave Ramsey. I just hit baby step 4 and 6 😀. Looking forward to focusing on the future and building wealth.

I can relate to so many of these - thank you for posting so much more money content. My debt free goal is early next year, can’t wait!!!!

I’m still cheering for you. Keep chipping away at that debt. I’m proud of YOU. Was that just a glimpse of light I see at the end of you debt tunnel? Yes!!! Keep going. You can do this.

Welcome to adulthood! Money & you are tightly woven together; if your finances are a mess, you are a mess.& vice versa. Sorting out your finances is SO empowering, building your net-worth is so empowering, money gives you options (especially for women) - As per the goddess Suze Orman, debt is servitude, live below your means but within your needs (& carefully examine those needs!), treat CC like high-interest short-term loan, aww there are so many money lessons. Thanks for the excellent video and congrats!!

Great video Christina! This inspired me to make some budget goals for my new year's resolutions. Another expression I see on the internet is "take my money" everytime a beauty influencer drops a new product. It's like we're all in a race to overspend. Not cool! I needed this video today.

I've been with you for awhile You have REALLY Grown-up Matured keep going Forward

Love this video. Much common sense that many of us did not know and/or forgot in our quest for more things. Really a freshing video without the seemly constant; low buy/no buy phraseology that you use. And, that is a real relief to my ears.

excellent video with some great ideas. Normalising it seems like an important step. Thank you

All those schitts creek clips 😂😂 the best tv show on earth 💙

Thank you so much for sharing. I've been through many of the same mindset shifts over the last few years. I have a loooooong way to go on my student loan debt but I have become much better at managing smaller debts like credit cards and my car purchase!

Thank you for your honesty. It was great to hear someone saying some of the things that I have thought to myself!

I’ve been considering ways I can save money this next year. I’m in a long distance relationship currently and have spent so much money going back and forth and have racked up my credit card 🤦🏼‍♀️ Came across your page this morning and I’m so excited to use your tips this year. Moving in January and starting a low buy! Thank you for sharing. I’m sure it’s not easy to open up about these things and it’s truly so informational and helpful!

Congrats on how far you've come. Just imagine the amazing feeling your going to have when that college debt is gone and your working to keep it for yourself. You might find going to work a little more enjoyable also. I know I did.

Anytime I feel I need to buy something just because, I always revisit your videos to get a reality check! One thing I have learned to do is use my credit card for everything in order to get the points but immediately afterwards transfer money onto the card so I don’t accrue a balance. It keeps me accountable to physically make each transfer per item and it means I get to earn cash but never pay interest. I kind of feel like they are paying me to use their card in a way. 😄

All of this speaks to me. I'm so glad that I found your channel.

Great video! I am really good at coming up with stuff I "need" so when the impulse comes, I have started to actively think about the fact that actually I managed quite well without the thing in the first place. Of course there is stuff I do need but this helps me separate the two: wants and needs. Also doing this I noticed that I forget most of the stuff I "needed". I'm not a native english speaker so hopefully you get the idea (surpirisingly hard to explain these things in another language😄).

Number 8 great point!

Great video! For us, your tip number four was the most important part. Once we figured out how to set a budget, we also "Gave ourselves a raise"

Love your content!!

I had 2 credit cards and paid off them in this year! It was may 2020 goal. And pre-paid off my student loan during 5 years. It was hard time (in Central Europe it is harder story). Now I am new one!

Christina, I've been following you for a while and I have to say that this is one of your best videos. So refreshingly honest and specific and on point! Thanks for being so inspiring.

I noticed a lump in your neck. I had one as well and it looks very similar to mine when I had Thyroid Cancer. I highly recommend having a doctor check it out just to be safe! ❤️Love your videos.

Good for your thank you for sharing! This was so helpful and motivating for me

This was fantastic ! Such great points. I wish every young person ( and North American really) could see this and really get it.

Very good video, Christine. Using a credit card as a backup is an easy habit to have.

wow that is amazing how much you've paid off! I have the same issue with chasing an aesthetic and instant gratification from just buying stuff :(

I decided to start today vs waiting for 2022 to start. I really want to get rid of my student loans

These were some great mindsets shifts, and I agree with all of them! new subscriber here! Thank you for being so open about your journey!

Great video! I have been following your videos for a while and I try to learn from your experience. I am not in debt, but I am trying to put away money to buy my own apartment, I moved to a well paid job, but at some point I started buying more expensive brands, so again the money I put away are not enough. It's totally about bad money management from my side, not about revenu. Greetings from Bulgaria

Such a great and helpful video! Thank you so much for this🥰

Thank you for sharing

OH MY GOD no wonder you reminded me of someone. It’s that girl in those rom com movies. Ali and something Disney. I don’t know her but I know she looks like you!!!

Hi Christina! When you spoke about credit cards and how they are not money and how you were using them, I thought to myself “What is the best way to use your credit card?” 🤔 sounds like I need you to make another video! 😉 I think sometimes it’s best when we add good habits instead of always just struggling to break bad ones! I’d love to hear some tips on how to use credit cards (the necessary evil to maintain good credit). Thanks! Great job on the content as usual!! ❤️😃

Привет! Твоя собачка 🐶 была такая милая! 😭 У тебя отличная качество видео. Keep up the good work! 👍🏼👍🏼

This is a serious issue, but I love that you balanced it out with the editing :D

Thank you for sharing u inspires me even me I’m working on being more minimal now Yayyy 😊 by the way I’m in debt too in what u say is very true it’s easy to get into debt then paying it off.

Very helpful to me, thank you. Need to get myself out of this debt hole 😜

If I got lots of free stuff , surely it would not be a problem to find space for that .

Excluding your emergency fund, are you saving money on the side while paying debt or are you putting any available money towards debt? Thank you! This video is motivational, I appreciate you!

Really appreciated these tips! Thank you!:)

Awesome tips!

LOLOL I LOVE THE TV CLIPS MAKE THEM LONGER HAHA.

You're so pretty! You sort of look like Geena Davis!

This is the BEST!

Thank you for this!!

Great video - thank you!

Great advice per the usual.

Congratulations!! 💜💜💜

I feel your pain. I’m a fellow Toronto gal that graduated with six figures of debt from law school. Thanks for keeping me motivated. I must ask, do you save? I’m torn between throwing all my money into debt versus saving and repaying since interest rates are really low

Rooting for you!! 💪🏼💪🏼.

Did you sell some of your things? What platforms did you use do that?

Bravo!

Do you recommend any specific budgeting apps?

Wondering how you feel about keeping a little bit of student debt in order to keep one’s credit score high?

Do you use the premium version of the Every Dollar app? Do you find it a lot easier to use (if you do use it)?