大家好 我是Financial Diet的切尔西
Hi, it’s Chelsea from The Financial Diet,
and today I’m gonna be talking about things
that I have cut out of my budget that I don’t miss at all.
One of the biggest things I’ve learned in the past two years with TFD,
is how much something can seem like a total necessity
when you’re spending on it
that you really don’t even notice when it’s gone.
Learning to differentiate between need and want,
and learning to cut where you’re being excessive
are two of the biggest things you can do to get good with money.
And these just happen to be my spending vices,
for you they may seem totally obvious,
so you may not spend on them already.
But the point is that you’d be honest with yourself and
what your budget looks like.
For me these are now 11 places where I save money,
and don’t feel the pinch.
No.1 is fast fashion.
Now I’ve written about it before on the site,
and I’ve talked about here before on the channel.
But long story short is
that I used to shop a ton at fast fashion stores
比如H&M Forever21 Zara等牌子
like H&M, Forever21, Zara ect.
My clothes usually wouldn’t last for more than a season,
and I ended up spending in the long run,
way more because I would have to replace things so frequently.
Over the past year and a half, I’ve been to a fast fashion store
once for one thing, and other than that,
I’ve avoided it completely.
Sometimes I will go to thrift stores
and sometimes I’ll spend more upfront on investment items,
但更多时候 我会去TJ Maxx和Marshall’s
but a lot of times I end up just going to places like TJ Maxx and Marshall’s
where prices are similar, but quality is way higher.
and most importantly now, I religiously buy on sale.
And obviously you can find some of the lower quality,
less ethical stuff at these discount stores.
But you also have the option of buying really high-end stuff
at much lower price.
No.2 is red meat at home.
So I’m someone who loves a good steak,
and I still indulge in what I jokingly referred to as my quarterly steak dinner.
We’ll all go to like a nice steak house
and I’ll get
a really beautiful piece of meat with some sides.
But generally I don’t need that much red meat.
And I really do this for two reasons,
一 就算去店里 买红肉也是相当贵的
one, buying red meat even if the store is quite expensive,
and two, it’s not super good for you.
So when you start treating meat just like the sort of rare exciting thing,
you focus a lot more on creating meals at home
out of a more affordable and obviously better for you stuff
such as a lot of vegetables and starches.
No.3 is the obligatory drink with dinner.
When you’re over 21 and able to go out and get a drink at a restaurant,
it sort of feels like a novelty at first.
For the first couple of years after your 21st birthday,
“OMG, I can have a cocktail whenever I want,
and people would give it to me legally, this is crazy”.
Then you’re sort of like
“well, I’m gonna be going out to a restaurant
I should have the restaurant experience,
I should have a glass of wine with my dinner,
I should really enjoy it like an adult”.
But getting a drink with your dinner adds two things,
usually somewhere between 8 and 15 dollars,
and somewhere between 100 and 300 calories.
I’ll still sometimes have a drink when I go out to restaurants,
but I certainly don’t do it every time,
and not feeling like I have to because I’m at a restaurant
has saved me a ton of money.
No.4 is fancy gym memberships.
I used to have this quasi like the secret relationship with gyms
where I thought that if I were to
get the gym membership and pay a lot of money for it,
I would magically become the kind of person who goes to the gym.
Long story short, the answer to that is no.
I’ve wasted hundreds of dollars on gym memberships
I’ve barely used,
and till this day the only regular exercise I get is walking my dog.
So problem solved: zero dollars.
No.5 is novelty clothes.
What I mean by novelty clothes is items of clothing that I bought,
knowing full well I was never going to wear these,
but I felt like if I bought it,
I would magically become the person who wears it.
So I imagine we can kind of see the pattern happening here.
To give you a perfect example,
I own a robin’s
egg blue coat with a white fox fur color
准确地说 我穿过三次 并且我很喜欢它
that I’ve worn precisely three times and I love it,
but it has to be the most rare and specific kind of weather,
slash social engagement for me to wear it,
that the chance of me wearing it more than five times in my entire life
is almost statistically impossible.
But I bought it because I thought I needed to have it,
and more importantly
I thought it would make me a fancier person.
Long story short I no longer buy clothes
that I stand a very limit chance of actually wearing.
No.6 is trendy neighborhoods.
I used to be paying about 800 dollars
too much on rent for what I had.
Because when I was moving to the city and didn’t know what I was getting into,
everyone told me that the neighborhood I was going into was
where anyone whose anyone lives, and you have to be.
I learned very quickly that being in the most hyped-up neighborhood of the moment
generally means two things.
一 一切都超额了 不止是房租
One, everything is going to be overpriced, not just your rent,
and two you’re probably going to be surrounded by assholes.
Do yourself a favor and when you’re moving to a city,
do the research to find out where real people lives
such as teachers and students
and people without man buns.
No.7 is “let’s get drinks” friends.
If you’re a young urban professional,
there are real chances that you have between about 5 and 25 friends
that you don’t know super well,
that you have no desire to become deep friends with,
yet you manage to see several times per year.
These are the people that I say our “let’s get drinks” friends,
where you’re constantly missing each other by email
and saying “Oh, we should definitely meet up sometime”.
And it’s half because of networking,
and half because you’re like,
well they’re acquaintances, so I feel sort of obligated to them.
And you never really get anything out of these meeting.
If you’re maintaining a half friendship with someone,
because you think that’s just what you do as an adult.
Chances are you should probably save yourself the money,
and get to bed early that night.
No.8 is jewelry I never wear.
I feel like all women have a fair amount of purchases they make
when they first become adults,
that I like I guess this is
就是大家所认为的 女人就是爱穿 戴 买
what women are supposed to like wear, or do, or buy.
For a lot of us it’s probably expensive perfume,
or things like brutally painful high heels.
For me, it took me a really long time to realize
I’m just not that much of a jewelry person.
This watch, as fancy as I get,
and I inherited from my grandmother.
I have a fairly large jewelry box upstairs of like
里面有耳环 项链 尾戒 好看的表
statement earrings and statement necklaces and cocktail rings and nice watches.
All these things that I bought, that I was like
I should have jewelry, that’s the thing I should have
that I never wear.
If you’re not a makeup person, don’t buy makeup.
If you’re not a jewelry person, don’t buy jewelry.
It’s as simple as that
a woman doesn’t have to have anything in her closet.
No.9 is breakfast.
Now I have been thoroughly yelled out about this on a separate video,
but long story short is that I practice intermittent fasting,
I’ve never been a breakfast person,
but now as a rule I don’t eat it
and therefore I don’t pay for it.
I’ll link you all of these description to the article that proves that the
breakfast is the most important meal of the day mantra is a myth.
But I very much accept that breakfast may be important to you.
The point is that if there’s a meal that you don’t feel a need for
you can skip it and save the money
without feeling guilty for only eating two meals a day,
even if it’s just a morning coffee
that you out to with your coworkers,
because it’s a social thing.
If you don’t need it, skip it.
No.10 is certain designer makeup item.
I’ve learned one rule about makeup over the years,
and that is if you’re going to invest
any kind of money in that makeup,
you’d better have at least two weeks of
sample use under your belt before you commit.
I don’t care if you have to go to three different Sephoras
wearing a fake mustache
in order to get all of your samples.
Make sure that you have enough to test it with
that you know it works.
Almost everytime that I bought a designer makeup item
without properly trying it first, I regreted it.
No.11 is my email vices.
This might be a hardcore move for some of you guys,
but shortly after starting TFD,
I hard unsubscribe from like
every single, like sponsored store news,
letter things that I was getting.
Basically there was a direct correlation between
me receiving a lot emails
from a store and me spending money that I regreted there.
Like I would get this alert that’s like
the J.Crew outlet store online 50% off.
And it’d be like my hair was on fire,
哦 天啊 我得去买短裤
and I’d like OMG, I have to go buy shorts.
I did not need the shorts.
And even though sometimes it can be weirdly hard to unsubscribe
from like an email mailing list for a store,
because they make it extremely complicated to do so. Modcloth.
You have to do it.
The more you love a store,
the less you should probably be on their mailing list,
or at least that’s what I found.
So these are my big budget cuts that
I do not miss at all,
and I’m very curious about what yours are.
So let me know what you guys cut out this year,
and as always, thank you for watching,
and don’t forget to hit the subscribe button,
and to go to thefiancialdiet.com for more.
大家好 我是Financial Diet的切尔西