#money spending habits

[milkoomi]

₊˚⊹ ᰔ a guide to maintaining financial wellness ᝰ.ᐟ

having good money habits can be insanely difficult. i know i personally struggle with impulsive spending, and i’m sure we’ve all fallen victim to the “i’m just treating myself” mindset. financial stress and even financial depression can feel so daunting and overwhelming, so i’m here to help you guys (and myself as well) manage your money better!

let’s begin !!

ᝰ.ᐟ set aside funds

it’s important that when every paycheck hits your bank account to immediately set aside some funds into your savings account. whether it’s 10-20% of your paycheck or even $20-$100, set aside some money into your savings!

it also might help to have that savings account be locked so that you can still put money in, but you can’t take money out. let that savings amount pile up and don’t touch it until you’re absolutely ready to make that big purchase!

ᝰ.ᐟ set aside any cash

get a piggybank or even one of those money organizing binders to set aside any cash that may come your way! keep that cash away from your wallet so you won’t be tempted to use it in any outside purchases. and, same as the first point, that cash will start to pile up!

ᝰ.ᐟ purchase needs rather than wants

let’s start getting out of that “i’m gonna treat myself” mindset!! while it’s nice to treat yourself, we really should only be doing it every once in a while. we can also find different ways of treating/rewarding ourselves that don’t require spending any money! (i can make a separate blog post on this if you guys would like!)

especially when you’re trying to save up for school, a new apartment, a new car, or whatever it may be, it’s really important to keep your purchases to only things that are absolutely necessary.

ᝰ.ᐟ keep track of automatic payments

especially if you have a subscription of any kind, keep track of when those automatic deductions from your account are happening. make note of when your next billing date is and how much you’re being charged for each month/year.

this would also be a good way to determine what subscriptions you really need/want to keep and which ones you can do without and unsubscribe to! i did a full cleanse of my subscriptions list and kept the ones i definitely wanted to keep. sometimes you never really realize how much money your losing when you’re subscribed to things that have no use to you anymore!

ᝰ.ᐟ plan accordingly

when your paycheck comes in and you have all these payments that are coming up yet you still need to buy groceries or get gas or whatever, make sure to plan your funds ahead of time! this way, it’ll help you budget for your groceries & any other necessities as well as help you determine how much money you can set aside into your savings and even calculate how much extra funds you might have to spend on for more personal things!

𝜗𝜚 final notes 𝜗𝜚

don’t let these tips make you feel like you can’t treat yourself to something! as i mentioned earlier, you can still treat yourself to nice things, but it might be best to do it once in a while! i know most of us associate success with money, and to reach success with money we have to learn to be more mindful about how we spend our money and how we manage it.

live and love, babe.

sincerely, juno ⭑.ᐟ

[allowmetohityouwithmyreblog]

All I’ve been able to think after seeing Deadpool and Wolverine is just

Wow

This movie was the love story Wade thought the first movie was.

Go on, tell me I’m wrong.

[fisheito]

there's somethin about maid eito and bookworm yakumo

After i drew ⤴

i woke up the next day and said, NO. I NEED BALANCE!!!!

theeeere we go

[karlydraws]

All the Maid day stuff reminded me of this sketch lying forever in my drafts

[someforeignband]

prepping for when @yours-etc and i live together is one of the few things in life rn giving me joy ,,, anyway i got us matching coffee mugs (you can get them here!)

[mylilbunniiii]

SAVING TIPS!

- always put at least 10% away into savings when you get paid or get money!!

- set saving goals! visualize what your saving for!

- create a budget!! it tough to avoid overspending without a proper budget in place!!

- cancel unused subscriptions!!

- don't go out with people that pressure you to spend more money!!

thank you so much for reading if you've got this far!! i plan on starting a rednote acc with vids as well!! it's: mylilbunniiii

[xxplastic-cubexx]

Read one of your asks which is how I found out that Cherik have a COMIC CANON LOVECHILD WHAAAAAAAAAT

you will address onslaught correctly alright that is their canonical love/hate mpreg brain baby child

[hairtusk]

i'm trying to save £5000 this year so I can move into my own house by next summer, but the second i realise i'm not as broke as i thought I was for a month i'm on ebay looking at mid century modern furniture.... girl you're going to be living with your parents forever !!!!!!!

[romaineheartslettuce]

Okay

I'm in the middle of moving into a room on the other side of my house. I also get my brother's old bathroom(BIG upgrade btw). It kind of put into perspective for me how much shit I have.

I was planning to do a project pan a lot sooner because I know I have a lot more beauty/hygeine shit than one person will ever need at a time. I didn't truly realize that the real problem was the amount of stationery I own...my room can classify as a stationery store. I will never have to go school/art supply shopping ever again.

I'm hoping to finish everything in the next 2-4 years AND I KNOW THATS LIKE CRAZY, but I have high hopes.

My goals for this project pan is to:

♡ Save Money/Make sure I get my money's worth with all the shit I bought

♡ Fix Spending Habits/Overconsumption

♡ Being more environmentally conscious

Here are the categories for the products I'm project panning:

BEAUTY/HYGEINE

◇ Body Spray

- I only need like 3-5.

◇ Perfume

- I only need like 1 regular sized bottle and maybe 3-5 roll ons.

◇ Lip Balm

- I only need 3 and a big tub of Vaseline that'll last me over 10 years.

◇ Lip Gloss

- I only need 3.

◇ Mascara

- I only need 1.

◇ Lipstick/Crayon

- I only need 1 of each color.

◇ Lip Tint

- I only need 2-3 different colors.

◇ Eyeshadow

- I only need 1 pallet and it doesn't even have to be big.

◇ Serums/Toner

- I use 3 serums every night. I think it would be fair to have 3 refill serums for when I finish a bottle.

◇ Toner

- Toner isn't a necessity in my routine, but it's nice to have sometimes. Even then, I only need 1 bottle.

◇ Body Lotion

- I only need 1 big bottle and maybe 1-3 8 oz bottles.

◇ Body Oil

- I only need 1 bottle of baby oil.

◇ Face Masks

- I only need 1 bottle of mud mask or 1 pack of paper masks.

STATIONERY/JOURNALING SUPPLIES

(I will give myself the permission to go crazy even if I have enough stuff if I have the opportunity to go to Daiso since I don't live near one)

◇ Coloring tools

- I only need one set that includes atleast rainbow, black, brown, and pink. In the future, I think I'm gonna try to stick to mostly crayons and colored pencils for environmental reasons.

◇ Stickers

- Honestly, for this one I could go crazy on buying them until it feels right, but only if I have like 5 left. For vinyl stickers, I only need a big pack on amazon, but only if I have none left. This one varies. I believe I have the impulse control to not overdo it over one shopping spree for stickers.

- I also have a bag full of pretty cutouts from magazines I use as a substitute for stickers.

◇ Notepads/Scrap Paper

- I only need 3-6 and maybe a pack of construction paper.

- I also keep a bag of scrap paper to reuse for journaling.

◇ Washi Tape

- I only need 5-10.

◇ Notebooks

- I only need to buy 5. Otherwise, I will get gifted one or I will come across one randomly that I have to take home with me. The limit I've given myself is 10. By the way, Composition notebooks are awesome.

◇ Highlighters

- I only need a pack.

◇ Stamps

- I have stamp sets where all I have to do is buy stamp pads when they run out, but for the cute instant refillable ones, I'll allow myself to get 3-6 at a time if I want to.

◇ Erasers

- I only need a pack of rubber rectangle ones and maybe 3 cute ones.

Those are the products I'm project panning.

For the beauty products, I've learned that I need to buy in moderation because one eyeshadow palette could last me YEARS. And almost half of my body sprays date back to middle school. I'm in college now. They also don't have to be expensive to be good quality. I like drugstore brands and I find some of the best things from TJMaxx, Marshalls, or Ross.

For the stationary products, I've learned that I need to buy in moderation. Again, I still have shit from elementary school. I've also learned that I don't need to buy fancy overpriced stationery. I love Daiso. Hehehehehehe daiso I love daiso.

Anyways, this is where I need to get with my project pan. Spending money normally and not like a hoarder. If you have any tips to how I can use my products faster without wasting them, let me know.

(I'm not gonna go shopping for the next thousand years. Wish me luck.)

- Lily

[softichill]

I shouldn't have a debit card while I'm hyperfixating

[ai-the-broccoli]

aaghh I hate health anxiety ocd (or whatever you call it), it's literally doing nothing other than contributing to make my health worse

... wait actually, does anyone have like, tips/advice for that kind of thing? I really think I need some help with this one

[peanit]

while i think the "you'll never buy a house if you go out for coffee" thing is stupid, i also think the treating yourself culture (i.e. i just need a little treat..) is influencing peoples spending habits/consumption in a bad way. you dont need that thing from amazon

[thevoiceofdesertbluffs]

me when a game (for children) i play adds paid (real money, not premium currency) gacha mechanics featuring fantasy animals, starting with unicorns (a highly predatory tactic, especially in the context of children)

[andreajingling]

He’ll get em next time.

[monsterkong]

Rethinking Our Disposable Culture: How to Spend Wisely and Sustainably in the 21st Century 🌍💚

As we delve deeper into the 21st century, our society stands at a crossroads. The path we've been on—characterized by a growing throwaway culture fueled by increased disposable income—is unsustainable. It's time to consider how we might turn the tide.

The Economics of Disposability

Disposable income has undoubtedly improved living standards for many. Yet, this financial flexibility has also led to an increase in disposable products, fast fashion, and rapidly obsolete technologies. This trend is economically beneficial in the short term but environmentally and socially detrimental in the long run. 📉🌎

Rethinking Consumption

To mitigate the impact of throwaway culture, a shift in consumer mentality is essential:

Value-Based Spending: Align your spending with your values. If sustainability matters to you, support brands that prioritize eco-friendly practices.

Invest in Repairability: Choose products designed for longevity and that can be easily repaired, reducing the need to buy new.

Community Engagement: Get involved in or start local initiatives that promote sustainable living, from community gardens to tool-sharing libraries.

Policy and Change

Policy change can also drive significant shifts. Advocating for regulations that require producers to be responsible for the lifecycle of their products can decrease the volume of waste generated.

By adjusting how we view and utilize our disposable income, we can combat the rise of throwaway culture. It's about creating a future where we value what we own, understand the true cost of disposability, and choose a sustainable path forward. 🌍💚

Each of these posts could be adapted for platforms like WordPress, Medium, and Tumblr, considering the audience's preferences and engagement styles on each. For WordPress and Medium, a more formal and informative tone can be used, while Tumblr allows for a more casual and direct conversation style, incorporating relevant images, gifs, and interactive elements to engage the readers effectively.

[lord-shitbox]

drawing jangle x ais rn & cannot stop losing my shit thinking abt this text I got sent the other day