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HOW TO STOP SPENDING MONEY ๐Ÿ’ธ (15 tips to stop impulse shopping + save money with minimalism)

**HOW TO STOP SPENDING MONEY ๐Ÿ’ธ (15 tips to stop impulse shopping + save money with minimalism)**



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Do you have a problem with impulse spending and shopping? Do you buy things that you don’t need? Well, it’s time to stop shopping for things you don’t need, so you can start saving some money for the things that matter most. In this video, I will share 15 easy and practical tips to stop spending money aimlessly, so that you can finally save some cash and reach your financial goals.

In my 20s, I used to shop impulsively and buy all sorts of things on a whim and I didn’t even end up using the majority of those things. In my 30s, after adopting minimalism, I’ve changed the way I spend money drastically and that has helped me save thousands of dollars.

In this video, I’m sharing my personal experience as well as the tips that have helped me cut down on spending on things I don’t really need. If you have any tips for impulse shopping, let me know in the comments below.

#minimalism #savemoney #simpleliving

If you liked this video, you should subscribe!

To good health,

Ria

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Five thousand, four hundred dollars a
year. That is $54,000 in a decade! That is money that could go towards retirement
savings accounts, emergency funds and even a mortgage down payment. So if you feel
like you're wasting your money buying things that you don't need and the
impulse shopping is getting out of hand – then this video is for you. I'm going to
share 15 easy and practical tips things that I've done and I hope that they help
you too. Hello hello! Welcome back to The Whole
Happy Life. I'm Ria. So I wanted to create this video because I used to be
such an impulsive shopper when I was younger. I spent so much money and I wish
I have known these tips before because I could have saved maybe thirty or forty
thousand dollars in my twenties. So I hope that these tips can be useful to
you. As always, with money things are a little bit different for everybody so
take what you want from this video and leave the rest out. And before we begin,
let me know in the comments below what is your biggest impulse purchase. The one
that you regret the most. I'm really curious to know – let me know in the comments
below. Let's begin. Tip number one – don't shop when you're emotional or when
you're really stressed. I think it's so easy to use shopping as a way to feel
better – as a quick pick-me-up… retail therapy.
But the problem is shopping and retail therapy is not effective. It's short-term –
you'll feel good for maybe a couple hours… maybe even a day or two but after
that you're back to your normal self. So I think retail therapy is prohibitively
expensive if you're an impulse shopper and it's just a good idea to find other
things to do to deal with those emotions. So let's say you're feeling sad – instead
of going to the mall maybe talk to a friend, watch a funny movie on Netflix
that you enjoy – do something else that doesn't involve spending copious amounts
of money. And if you're feeling stressed there are other things that you could do
that don't involve spending money. Go for a walk in the park. Go for a workout. Do
some self-care at home. Things that you could do for free.
Tip number two – don't shop out of sheer boredom. I can't tell you the number of
times I've gone to the mall because I was bored. I thought I was only going to
window shop and that window shopping quickly became real shopping. When you're
at the mall, you're in a place of temptation and if you're someone who has
a tendency to purchase things impulsively it's really hard not to buy
things, so don't put yourself in that position. Don't go to the mall when
you're bored – find other things to do. So as an example if you're an introvert –
maybe journal writing, reading, watching a movie at home… that might be something
you could do when you're bored. Or if you're an extrovert, you could go out in
the city and find free things to do. There's always something to do for free
in every city or town – just find those things to do and don't go shopping.
Because if you go shopping you're probably going to spend money that you
don't need to spend. Tip number three – shop with intention and with a very
specific list. I've noticed that when I shop without a list, I tend to get
carried away and I do make a lot more impulse purchases, but when I make a list
and not just a generic list but a very specific list… I'm less likely to get
carried away. Tip number four – when you're shopping online, avoid creating an
account and storing your credit card information. So a lot of times when you
shop online, shops want us to create an account. That way you have the name,
address and credit card information stored, so the next time you want to shop
with them it's just the matter of a click of a button and it becomes so easy
to shop. The problem is if you are an impulse shopper, it's a little too easy
to shop. So if you want to avoid those impulse purchases, my suggestion is check
out as a guest- not as someone who has an account. By checking out as a guest you
have to physically enter your name, your address and your credit card information
and let me tell you, I have abandoned so many shopping carts in the past because
I was too lazy to get my credit card out of my wallet. So there we go.
If you're an impulse shopper, this can act as a deterrent, so just try to avoid
creating accounts and check out as a guest instead. Tip
number five – embrace aspects of minimalism. I think out of all of the
tips in this video the one thing that helped me the most is becoming more of a
minimalist. I do recognize that it is not for everybody but at the same time we
don't need to completely become minimalists. Some of us may just want to
embrace aspects of it. I think minimalism is a spectrum – we can all do it in our
own way and if it can help you become a little more intentional, help you become
a little more aware and mindful of your purchases – why not? If you're interested
in learning more about practical minimalism, I do have an e-book and
workbook on it which I'm going to link in the description. And don't buy the
workbook impulsively. I don't want you to do that! Buy it if you really feel like
it's going to help you and it's gonna add value to you, otherwise you don't
need to get it. Tip number six – try to buy from stores that have a return policy
and keep the receipts. I can't tell you the number of times I have purchased
something and then I've quickly regretted it the next day and I couldn't
return it because store did not have a return policy or I lost the receipt or I
took the tags off. So my suggestion is don't take the tags off, keep your
receipts for at least for 7 days and try to avoid buying things from places that
don't have a return policy. My philosophy now is if it doesn't have a return
policy, I'm not buying it. I don't buy things on final sale because that is how
you end up buying things you don't really need. Tip number 7 – sleep on the
decision especially if the item is above $100. So I have a rule – if an item is
above $100, I do not buy it the day I see it. If it's at the mall or online I won't
buy it. I will sleep on it for at least a day if not two or three nights and I
can't tell you the number of times I've completely forgotten about the item in
two or three days. So give yourself a little time to think through that
decision and who knows you might change your mind.
Tip number eight – avoid joining email lists. A lot of times when you shop
online or even in the store – stores will ask us for our email address in exchange
for a coupon or something of that sort and the problem with that is while that
coupon may seem very nice in the beginning they're going to keep sending
you emails again and again and you're going to end up buying more things. Things
that you don't need. So my suggestion is to unsubscribe from all of those email
subscriptions so that you don't have to face temptation all the time. I think for
an impulse shopper the biggest thing you can do is remove the temptations. By
removing the temptations you're just not going to shop as much. Tip number nine –
don't shop with friends that push you to buy things that you don't need. Now we all
have friends that help us make really good decisions – go shopping with them but
then we also have friends that make us buy things that we don't need. They kind
of push us into impulsive purchases and they tell us that everything looks good
on us… when in fact it really doesn't. So don't go shopping with those people. I
actually bought a pink poofy wedding dress ten years ago. It was horrible.
I got persuaded by my friends and my husband had a look at that dress and he
was just like" oh my gosh what were you thinking? ". So thankfully that was not
actually the wedding dress I wore on my wedding day but I learned a lot from
that experience. Do not go shopping with people who you
don't really trust in terms of their opinion and who push you into making bad
decisions. Just avoid shopping with them. Tip number 10 – always check reviews for
items that are above $50. So I've a rule – if an item is above $50 I won't buy it
until I check the reviews even if I'm in the store. I will take my phone out and
I will try to check the reviews because this way I'm not making a purchase that
is somewhat expensive without knowing everything about it. I think the thing
with reviews is you've got to check both positive and negative. It's so easy to
just read the positive ones and think "hey this item is great". No. Read the
negative ones too have a balanced view and then make your decision. I have
purchased a lot of things without checking reviews and then I deeply
regretted it later, so try to avoid that. Stick to that
rule whatever dollar amount it may be. For you it might not be 50 – it could be a
bit different but stick to that rule. Don't buy it unless you checked the
reviews. Tip number 11 – remind yourself of your financial goals before you go
shopping. If you don't have financial goals then I do suggest having some – just a
number and what you're saving it for. I think it can be very helpful in changing
your mindset about money. I didn't have financial goals before so I used to spend
because I didn't really care but now I do
and I remind myself of my financial goals regularly and because of that I'm
less likely to make impulse purchases. So my suggestion is if you don't have goals…
sit down and think about what your goals might be. It could be something really
simple- I want to save $5,000 for an emergency fund. Whatever it may be just
write it down and think about it regularly so that you know what you're
trying to do and you're going to be less likely to get carried away with your
impulse purchases. Tip number 12 – re-evaluate what you already own the
next time you're shopping. So as an example let's say I'm shopping for jeans
and I see a nice pair of jeans… it's very easy to get carried away thinking "hey
it's on sale. It looks good. I need it." But then take a moment to re-evaluate
whether or not you already own something that's similar. Sometimes you actually
have the exact same color at home and you don't really need that extra pair.
Tip number 13 – think about your worst impulse purchases and make a list. I made
a mental list of the worst impulse purchases I've made and that list really
really helped me change my mindset. I realize how many impulse purchases I
forgot about and once I made that list it reminded me of how much money I had
spent and how much I deeply regretted those purchases. So if you're someone who
makes a lot of these impulse purchases just make a list and take it one step
further. Put that list in your wallet so the next time you're actually tempted to
spend some money you're going to have that list right in front of you. And
maybe …maybe it will act as a deterrent and you might not end up making that
impulse purchase. Tip number 14 – get to the root cause. If you have tried
everything in this video as well as tips from other people and you're still
struggling with your impulse spending maybe it's time to take a step back and
figure out the root cause. It could be something like anxiety. It could be
something like sadness. It could be a multitude of different things but you
need to figure out the root cause so you can work on a solution. If you need help,
maybe it's time to talk to a therapist. Tip number 15 -make it a game with a
jar method. So this is something that I recently started and I've been enjoying
it. So every single time I avoid an impulse purchase, I write down the item
and the dollar amount and put it on a piece of paper and stick it in the jar. And
then at the end of the month I look at all of the little pieces of paper in the
jar and tally up the amount that I avoided spending. So last month I avoided
spending two hundred and fifty dollars- which is not a small sum of money. It
actually is quite a bit especially if you end up saving that much each month.
So I'm going to continue doing this and hopefully by the end of the year I might
have a couple thousand dollars saved up. This is just a fun little thing that you
could do to reward yourself every single time you avoid an impulse purchase. Thank
you for watching this video, if you enjoyed it please do give it a thumbs up
because that helps me a lot and if you haven't subscribed already, please do
consider subscribing. And you can find the link to my minimalism ebook in the
description as well as the pinned comment I will see you in the next video which
will be about boosting your iron levels naturally without pills. See you then. Bye!

How to save money online: Book flights and trains at the cheapest times

**How to save money online: Book flights and trains at the cheapest times**



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Find out how to save money online with voucher codes:

Learn how to save money on train and flight tickets by getting your timing right. The cheapest time to book train tickets is 12 weeks in advance and with flights itโ€™s five weeks before departure. You can also save money on travel by setting up email alerts to get advance notice of the best deals. Or by downloading an app for your desktop or mobile that will notify you when prices drop.

For even more ways to save, watch our money-saving tips below.

Find out how to save money at online outlets:

Find out how to save money online by setting up price drop email alerts:
whenever you're booking a train or flight ticket it pays to get your timing right. The cheapest time to book a flight ticket is often 5 weeks before and with a train ticket it's twelve weeks. You can even set up reminders, so you don't miss the cheapest seats. make sure you're better off online.

FAMILY MONEY SAVING TIPS || Baby on a Budget

**FAMILY MONEY SAVING TIPS || Baby on a Budget**



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10 tips on how to save money as a parent. These help you spend less and save more. Follow these simple hacks and you will save yourself hundreds of pounds!

Who ever said babies are expensive anyway?

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I would love to hear from you guys so just pop me a message and I will respond ASAP!

Sound Effects at end: Edward’s first laugh.
who even said that babies are expensive hi guys welcome back to my channel if you're new here my name is Eve Hemingway and if you enjoy my videos please hit that subscribe button and the notification bell so you never miss another video I don't know why people say that their knees are sore expensive I have literally profited since having Child Benefit no I'm totally joking but seriously you can seriously cook the cost of buying things for your baby using these top ten tips that I am about to give you now number one have you ever tried to sell your baby things you probably won't get a lot for them but if you're on the other side of this you can get so many great cheap things just by using Facebook or going down to the charity shop it's it's so good and you can buy good quality things as well these are just a few things that I've bought secondhand to have you seen in charity shops or on Facebook where people are selling things brand new I always see this and I have purchased a lot of things that still do have the label on for like probably a tenth of the price that these people paid for them the reason for that is that people just buy too many cloves for their babies apart from baby growers you can never have enough baby gorillas and best for that matter but these things are cheap anywhere like literally the other day I went to Asda and bought ten vests for nine pound 50 that is less than a pound per vest and they're not just like white ones either like they they have patterns on them they look pretty nice but yeah I think when it comes to buying your baby outfits you don't really need too many just because like these sort of things are really expensive cute little jeans and nice little dresses and things just things that you put in your baby to make them look like not a baby I don't really think they're very comfortable either but every time I see Edward in a baby growing it makes me wanna wear a baby girl there is no wonder that onesies took off like five years ago they are most confused things ever tip number three before having a child you have to make sure that you have other friends and other family members that have also had children so that they can pass down all of their clothes this is great for the people that are passing down the clothes as well because babies grow so fast you go is gonna have like a bunch of clubs in the in the laughter in a club in dirt they're not using anymore because they've like quickly grown out of them and the easiest way is just to give them to your friends I have a few of my friends that are pregnant at the moment and I honestly can't wait to give my clothes out because I need the storage and it's also really nice to pass down your things to other people so out of everything that I've bought Edward it was the prominent that was the most expensive I got one of those travel system things it had like the carry car and the car seat and everything where they can sit off which is basically like a stroller the thing is with these they're just they take up way too much room like I could never fit that in my car and to be honest we're never really used it the best thing that we bought was the harness what's a bit of fabric compared to like a big-ass multifunction pram if you don't have a silver cross or an eye candy pram people are gonna look at you and judge you for your prom so why buy a really expensive prom when you can just buy a harness and no one's gonna judge you at all if anything people are gonna think it's even cuter that you're holding your baby around your fern I love it when I see people do that Tim no guys I get all my nappies and baby wipes from Aldi because they are just so cheap I have tried so many different brands of Nafees and I always found Aldi ones are by far the best quality and by far the cheapest it's literally five pounds 492 nappies you can't go wrong Tim even though I've bought and I have been given loads of toys Edward is still prefers to play with the doorstop on the wall so I actually installed another one in the living room just randomly and he will literally push his toys out the way to get to this doorstop so that he can play with it tip number seven putting shoes on a baby can resort to their feet looking like this no I'm joking but seriously it can actually affect their mobility Plus shoes for babies are so expensive they are so hard to get on and then they just fat sliding off or they'll kick them off so you have to pick it up off the floor and then put it back on their foot like it it's just such a pointless thing although when Edward does that walk in his first years are gonna be don't mind so I'm serving up using these amazing tips tip number eight talking about feet how annoying are baby so you are constantly pulling them up especially when they're starting to crawl like ten miles an hour they just fly off something that annoys me is that they don't sell tights for baby boys but a few weeks ago I was just like gender norms I'm gonna get him some they are amazing when he crawls they stay on all day they never come off they are the best thing I have ever bought him number nine I cannot stress enough that making your baby food is so much more cheaper honey is way better for your baby I don't know if you've ever bought packet or jar food for babies even the stage three ones they are still pretty pureed and now that Edward is starting to want to feed himself with a fork or with his hands he hates anything pureed so he will literally just cry when I tried to give him those sort of things but surprisingly he likes his mom's cooking even though it just took obviously a little bit longer to make the baby food if you make them in bulk and then just freeze all the little parts you've gotten for like at least two weeks so healthier for your baby and a lot cheaper for you number 10 and finally take full advantage of grandparents I learned this at Christmas when I was like right I'm not gonna buy Edward a lot of things I hate when I see things on Instagram or Facebook and mums are literally competing with each other of how much their baby gets for Christmas my parents and my grandma and a lot of my friends had bought Edward so many things it's just easier just to buy them one thing and just let your family do the rest so if you have any money 7 tips to do with babies or to do with life then please leave a comment below the kiss I'm going to Vietnam next month and I really need to start serving thanks again for watching and I'll see you next time

11 Quick Ways to Save Money at Home

**11 Quick Ways to Save Money at Home**



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Looking for quick ways to save money at home? Here’s 11 great ideas to get the ball rolling. Which one will you try first?

Get a quote from one my trusted professionals and see how much money you could be saving:
#SavingMoney #Budget #RachelCruze
– You guys, I swear by
those three recipes. They are so good, so good. All right, here are 11 different things that you can do at home to
actually save you money. Number one: Make snacks. So instead of buying the
little individual packs of your kids' snacks, buy
the big thing at Costco, and then put it in little bags. This is what I do. It's kind of a pain, I know. But listen, you're gonna
save so much more money doing that. I promise. Number two: Have everyone bring a dish. Yes, so if you are hosting a big party, have everyone bring
something so you're not the only one cooking and
spending all the money on food. Number three: Learn to turn a wrench. I'm preaching to myself
here, people. (laughing) This is good. I've learned
to do a couple of things, and it actually saves you
money if you can fix things like your toilet or your air filtersโ€” you can change those out. Different things like that
can save you a lot of money versus calling someone to do it. Number four: Learn to sew. Now I'm not talking about
some like elaborate, beautiful smock dress,
even though I love those. I'm talking about just fixing a button or something that's torn. Sewing it up so you don't have to go buy new clothes. Number five: Organize, organize, organize. Yes, when you start to organize things, you'll find that you don't need half the things you have. You can throw it away
or even sell some stuffโ€” get some money that way. But also, in the end,
you're just gonna feel more refreshed and more organized versus going out and spending more money on stuff that you don't need. In fact, I did this. I took the minimalist challenge. If you don't know what that is, check out the other
episode with The Minimalists, because it was amazing. And I threw out and sold so much stuff, you guys. And it was incredible, trust me. When I say to organize,
oh, I love it so much. Number six: Always negotiate. Winston is famous for
this, calling Comcast every quarter of the year to see if we can get a better rate on our cable. So when you get prices like that, don't just say, "Okay, we'll take it." Ask if you can get a better deal. Number seven: Hang dry your clothes. Now, you might be a little
bit iffy on this one, but trust me. When you actually don't dry your clothes and you let them air dry,
the quality of your clothes lasts longer so you don't have to pay for new clothes as often. Number eight: Share baby gear. Now, I'm not talking about old
bibs and that kind of thing. I'm talking about swings,
like the big stuff. My sister and I did
this. The way our babies have lined up, we don't need a swing. I don't need the swing,
so she takes the swing. And when she doesn't need
the swing, I take the swing, because I end up having a new baby. It works perfectly. So if you can find those big things, find a mom in your area, do that. That will save you a lot of money. Number nine: Don't pay
full price for kid clothes. Listen, they grow out of them so fast, especially if you have little babies. So, do some things like swapping with other moms in your area. Swap clothes or even do consignment sale. My spiritual gift: I
always find the best things at consignment sales. I love them so much, and
you save a ton of money. And number 10: Learn to
say no to fundraising. When there's a knock at your door or the doorbell rings, it's always some sweet middle school kid
trying to sell you things, and some of you, it might be your sweet middle school kids. So there's a part of all of us that wants to help, but when you're dishing out $20 or $30 for every kid that knocks on your door, you're spending a lot of money on stuff that you're not gonna use. So, learn to say no to certain ones and have some boundaries. It's okay. All right, last but not least, save money on checking your insurance. This is huge. And I'm talking about your home insurance, your auto insurance, all those things. Most people forget to do this. They just set up their insurance, and they don't look. But go and see if you
can get a better deal. Go check out our endorsed local providers. In fact, people that do this, they save on average $731 a year. That's a lot of money. So those are some quick,
easy ways, 11 ways in fact, for you to do things at
home to save you money.

Frequent flyer programs grounded for good?

**Frequent flyer programs grounded for good?**



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Frequent flyers earn more miles. Makes sense and it should, because that’s how it’s always been. But, a third major airline is changing the way it rewards …