THE TRUTH: HOW TO REALLY AFFORD A LUXURY LIFESTYLE | Sophie Shohet

Sdílet
Vložit
  • čas přidán 31. 07. 2024
  • Hello friends! I’ve spoken many a time about “how” to save money for luxury purchases (Dior, Chanel, Louis Vuitton, Gucci etc), and I am covering that a little in this video. But more importantly, I want to talk to you about the truth behind buying luxury; how can it be done? How can we all do it? Although I am talking about luxury goods and lifestyle in this, really these methods work for anything you’re wanting…a house, a new car, a holiday, paying-off debt…the format for all is essentially the same! It might sound like common sense, but being able to live a certain lifestyle boils down to what you earn. There are a tonne of videos on CZcams telling you how to save for Chanel Classic Flaps and Ferraris - but if you aren’t earning enough to save in the first place, these tips are pretty pointless.
    So here I’ll talk you through ways of boosting your earnings and wealth, along with working ‘smart’, so that you have more free time to enjoy life. I’ve also included a tip here about getting money fast (in as much as 1 week).
    TO DOWNLOAD MY TWO FREE PERSONAL FINANCIAL PLANNERS, HEAD TO MY BLOG POST HERE! bit.ly/2NHFiBJ
    The planners are both A5 in size and are very pretty - so will look delightful in your organizer or handbag! All you need is a printer!! bit.ly/2NHFiBJ
    --------// WHAT I WORE //-------
    WHITE BLOUSE
    bit.ly/2OigGEX
    LIPLINER ‘Canvas’
    bit.ly/2DmcGsU
    LIPSTICK ‘Just Nothing’
    bit.ly/2FwG9C6
    #HowToSaveForLuxury #LuxuryLifestyle
    *********************************************************************
    POPULAR VIDEOS
    #DesignerHandbagCollection: • MY FAVOURITE MINI DESI...
    My Chanel Collection: • EVERYTHING I'VE EVER B...
    #ParisLuxuryShopping Unboxing: • OPENING WHAT I BOUGHT ...
    Collecting My New #Bentley vlog: • COLLECTING MY NEW BENT...
    Luxury Lifestyle videos: bit.ly/2wVt4gZ
    Luxe Fashion Shopping Blogger Lookbooks: bit.ly/2ukSClU
    #Porsche911 video: • VLOG | Collecting My N...
    Money, Wealth, Business, Motivation & Positivity: bit.ly/2u2nLMv
    #Supercar Lifestyle videos (Lamborghini, Porsche, Ferrari, Bentley):
    *********************************************************************
    B L O G : www.sophieshohet.com
    ///Where I had Lipo Laser & Fractional laser done: bit.ly/2i3Tr1o
    ///Where I have my hair done: bit.ly/2upYMD0
    *********************************************************************
    BE SOCIAL!!:
    B L O G : www.sophieshohet.com
    F A C E B O O K : / sophieshohetfashionbea...
    T W I T T E R : / sophieshohet
    I N S T A G R A M : / sophieshohet
    P I N T E R E S T : / sophieshohet
    S N A P C H A T : Sophie5271
    D E P O P : SophieShohet (Search under the “People” filter or else you won’t find me!)
    *********************************************************************
    // DISCLAIMER
    This video is not sponsored
    Some links to products are affiliate, I try and link to the exact item where possible but if it’s sold out, I will link to the closest similar item. Affiliate links really help me to continue creating CZcams videos. CZcams is expensive to do and affiliate links help me cover off some of the monthly fees associated with creating videos; from licenses to equipment etc.
    Thank you to my lovely subscribers for watching and for your support, it is valued and appreciated more than you can imagine.
  • Jak na to + styl

Komentáře • 296

  • @AmeliaAliceIzzy
    @AmeliaAliceIzzy Před 5 lety +405

    I feel like other luxury uk CZcamsrs are so unrealistic. We’re not all born into rich families or have rich husbands some of us have full time 8-6 jobs that we break our backs to be able to afford luxury items. You’re so much more real and relatable starting as a cleaner, you talk about debt and aren’t embarrassed to say you’ve been in it. I have so much respect for you. Your channel will always be so much more special to me because you’re just a normal hardworking empowering woman! Love you for that 💕

    • @SophieShohetOfficial
      @SophieShohetOfficial  Před 5 lety +35

      I appreciate your kind comment and for being here MissMillstar 🙏🏽💖 It can be very demoralising when you’re seeing lots of new things and wondering why you aren’t on that same level! Xx😘💖

    • @AmeliaAliceIzzy
      @AmeliaAliceIzzy Před 5 lety +5

      Sophie Shohet | Fashion Beauty Lifestyle Thank you for inspiring me ❤️

    • @Commentator541
      @Commentator541 Před 5 lety +7

      I think many of them just spend money that they don't have to get their channels going. Remember, this a show, not real life.

  • @rayemartin1641
    @rayemartin1641 Před 5 lety +542

    If it will take you two years to save up for a Chanel bag, perhaps that price range isn’t feasible for you at the moment. What you can do is:
    1. Work hard for a lifestyle that is sustainable for your expenditures
    2. Stay in the price range that you’re currently comfortable in until you’ve climbed up the income ladder.
    I don’t mean to be discriminating, but fashion unfortunately is not as accessible as social media makes it out to be.
    Luxury at the end of the day should be the last thing you put your money into.
    Lovely video, Sophie!

    • @fw3901
      @fw3901 Před 5 lety +60

      Exactly, I always think you should reach for the range you feel comfortable with. Luxury is an endless black hole. You’ll always wanting more. Best thing is to improve your finance and luxury will follow naturally.

    • @candyra42
      @candyra42 Před 5 lety +4

      Exactlyyyyy well said

    • @MesRevesEnRose
      @MesRevesEnRose Před 5 lety +26

      I agree. My rule of thumb is if I can't afford to get a luxury item twice over, than I can't really afford it. It's a bit strict but it helps keep me in check so I'm spending within my means.

    • @yothiga
      @yothiga Před 5 lety +27

      True! Before you think about saving for luxury item, think about saving for emergency fund and plan for retirement

    • @cat_pb
      @cat_pb Před 5 lety +4

      I need to remind myself of this!!

  • @yluthien
    @yluthien Před 5 lety +101

    "I could do with a cleaner. Have I got one? No. ... Cuz I'm a control freak" TRUER WORDS HAVE NEVER BEEN SPOKEN 😝😝😝 I totally hear you Sophie!

    • @audreydujardin4393
      @audreydujardin4393 Před 5 lety +2

      same here if I had a cleaner I'd have to install cameras everywhere to make sure she worked or did,'t steal.... simply can't trust anyone.

    • @kimmyball4961
      @kimmyball4961 Před 5 lety +4

      LMAO!!! Years ago I worked for the state full time, my husband worked full time and our kids were 1 and 8. Our home was starting to look a little shabby cause working and taking care of the kids left me tired. I had a friend/neighbor who was taking cleaning jobs. I hired her just once a week to do the major things. I found myself cleaning before she'd come over ( didn't want her thinking we were slobs!) Lol.....after only a month I told her we didn't need her anymore. I can't remember my excuse. I also didn't feel she cleaned the house how I wanted it, plus with her as our neighbor I was afraid of being judged by what we had or didn't have. Silly Right?? Lol

  • @Buttercookiesssss
    @Buttercookiesssss Před 5 lety +26

    It’s so important to pay off debt before getting that “Want” item. Many ppl don’t want to acknowledge and do it, but do vice versa.. thanks for reminding everyone ❤️

  • @lbateman25
    @lbateman25 Před 5 lety +97

    I love how you promote working. Although you make CZcams videos you work as well. It's so humbling and hopefully passing on the message to people that you do have to work hard to earn good money, and never settle for less. I'm not bad mouthing other CZcamsr's and I understand they work hard but a lot of them make it look easy and look like they do little but have a amazing life. ♥️

    • @EllenandTara
      @EllenandTara Před 5 lety

      AMEN!!

    • @bellatrixevans
      @bellatrixevans Před 5 lety +2

      Yes! It makes everything seem that much more unattainable, because a lot of us aren't born rich, and aren't full-time CZcams celebrities. I like her channel because it's general advice about working harder irrespective of whatever job you have, in order to get the things you want. Very motivational stuff

  • @fw3901
    @fw3901 Před 5 lety +199

    For me, the only way is to become extremely wealthy. I can afford them now but I choose not to until they become absolutely a piece of cake for me :)

    • @mwananzuki
      @mwananzuki Před 5 lety

      +255768964757

    • @22qtr25
      @22qtr25 Před 5 lety

      Same for me

    • @notthetruth2715
      @notthetruth2715 Před 4 lety

      If this is true, couldn't you get in trouble... like BADDDD trouble by posting this for all to see?
      It seems fake to me.

    • @ilikealotofthings731
      @ilikealotofthings731 Před 4 lety +3

      @@notthetruth2715 What did she post that is so "bad"? You don't make any sense.

  • @saborfrancias
    @saborfrancias Před 5 lety +331

    Do a series to fix our lifes

    • @CandyisAwesome86
      @CandyisAwesome86 Před 5 lety +2

      saborfrancias haha

    • @Only1Sosa.
      @Only1Sosa. Před 5 lety +1

      If only right Lol

    • @zare009
      @zare009 Před 5 lety +3

      🤣😂😂😂😂😂😂😂

    • @chrissierg
      @chrissierg Před 5 lety +1

      haha I bet she could do it... :)

    • @weltenbummlerin632
      @weltenbummlerin632 Před 5 lety

      Do a course to learn how to ask a polite question.
      The words 'please' or something like 'could you consider...' Or ' I would like to see...' are not as difficult to learn, are they?

  • @greyrinnon5907
    @greyrinnon5907 Před 5 lety +58

    Someone I knew once said I'd rather spend my money on experiences than things. Sometimes it makes sense. Be honest with yourself why you want a certain item. If it is for status, at least write down all the things you could buy with that amount of money instead, and decide if it's worth it to you.

    • @Skyebright1
      @Skyebright1 Před 5 lety +1

      grey rinnon good ideas, I definitely put saving for a holiday and other things I need to put my money towards when I consider shopping

    • @emiliabolsas
      @emiliabolsas Před 5 lety +16

      Also make sure that the experiences are for you - and not just so you can post a selfie from it.

    • @kimmyball4961
      @kimmyball4961 Před 5 lety +1

      Wow, I swear my best friend said this same thing to me over the summer!

    • @kimmyball4961
      @kimmyball4961 Před 5 lety

      @@emiliabolsas I find this an odd statement.......you are who to say this??

  • @dianeb2349
    @dianeb2349 Před 5 lety +26

    I sold two bags and saved up a bit more to buy my Chanel jumbo ( last Wednesday) and I regret not purchasing the Chanel any sooner. Instead I bought a Chanel mini one and a half years ago which I wasn’t using, as I use bigger bags way more often, and something else that I regret purchasing. This was actually the only two times I regretted something. I always really plan my purchases well and I never buy trendy bags. I just prefer the more timeless pieces. And when I bought the Chanel mini I didn’t realize I wasn’t going to use it a lot. But I wasn’t going out a lot anymore and it was lambskin so I was afraid to use it. So you really need a little checklist for yourself when you’re considering saving up for a bag and don’t get distracted. I think it’s so much fun to save up for a luxury purchase and see the amount grow. Xoxo

  • @bubblemummy1
    @bubblemummy1 Před 5 lety +73

    Just had a talk with my daughter explaining the advantages of saving for a mortgage instead of renting. It's a long road but she's just got a good job and is only 18, so she is in a position while living at home to save without the outgoings of house insurance, maintenance and bills etc. Me and my husband paid off our first mortgage after four years and it was all down to clever investment and saving/spending wisely!

    • @bubblemummy1
      @bubblemummy1 Před 5 lety +3

      Also, you look amazing as always! I want your wardrobe 😊💕❤️💕

    • @nicolechappell2865
      @nicolechappell2865 Před 5 lety +7

      beanybobs yes! Some good parenting right here. I’m so happy my mum had this talk with me as well. It’s been hard saving for a deposit but I’m now in a position to buy and couldn’t be happier ♥️

    • @bubblemummy1
      @bubblemummy1 Před 5 lety

      @@nicolechappell2865 Well done! It's good to know that you'll get to keep the property you pay out for every month! 👏🏻

    • @pAsDeNoMzUt
      @pAsDeNoMzUt Před 5 lety +2

      Wow that's amazing, could you please elaborate on how you guys paid off your mortgage in 4 years? Any tips welcome :)
      I am 32 now and have saved about 1/3 of the deposit for a home (started last year only...!), hopefully I'll be able to own at around 35... I was such a spender in my twenties and my parents have rented all their lives so it took me a while to see mortgages as an investment into your propety rather than a financial burden.

    • @bubblemummy1
      @bubblemummy1 Před 5 lety

      @@pAsDeNoMzUt Hi, well it was 25 years ago, so yr mortgage was only £40,000 which isn't a lot by today's prices, but we used to pay large sums of money off our mortgage, so we would save chunks of money up and then pay a few thousand off. We were lucky to get double holiday pay and profit sharing from the company we worked for. Also we always payed our credit card off each month, and didn't get loans for anything. You're doing well so far! Good luck for the future! Xx

  • @user-pb9re2gf2q
    @user-pb9re2gf2q Před 5 lety +42

    Sophie, thank you so much for such a sincere video. I find it disturbing when some videos about saving for luxury make it seem so easy. This is also why I really love watching your videos, this is literally my weekly update!!! I really appreciate and respect you for being so open about your past! You are truly motivating and I look up to you a lot :) xx

    • @connielamb5085
      @connielamb5085 Před 5 lety +2

      Murr heheh I couldn’t have said it better. Thank you Sophie - we do love and respect you! 🙏

  • @shellfraya
    @shellfraya Před 5 lety

    I love how down to earth you are! You set realistic goals and know that not everyone is in the same place but show a way people can improve their situation. You really are an inspiration xxx

  • @ttmoore8750
    @ttmoore8750 Před 5 lety +5

    Very much needed, I'm growing up a bit when it comes to finances and getting out of my childhood home. So lucky I was able to find this so early, at university there's no free advice without an catch.

  • @MyDailySweet
    @MyDailySweet Před 5 lety +140

    That shirt though 😍 just gorgeous, Sophie! Thank you so much for such an informative and helpful video ❤️

  • @TheAgeofFabulous
    @TheAgeofFabulous Před 5 lety +1

    Yes, Sophie, YES!! Thank you for explaining basic finance to the masses. As someone who works in finance/banking, this is a topic that’s not spoken about enough. I wish I could give you a high five.

  • @carosauer7741
    @carosauer7741 Před 5 lety +28

    Hello Sophie! I bought my first Chanel bag yesterday. I saved for a long time and was waiting for the bag of my dreams! The Chanel staff was amazing! I even drank champagne 🥂 Love your videos!

    • @User1978K
      @User1978K Před 5 lety

      Caro Sauer Congrats on your new bag! 🎉🍾 🎊

    • @SophieShohetOfficial
      @SophieShohetOfficial  Před 5 lety +3

      HUGE congratulations to you Caro! I hope you had the best experience purchasing it, the Champagne is a nice touch! 😉 Enjoy your well deserved purchase my friend! Xx😘💖

  • @suzysuzym4738
    @suzysuzym4738 Před 5 lety +8

    Yess another Sophie video ❤️ Love this topic and I always love your honesty and the fact that you are always so humble.

  • @vintagecoachcollector
    @vintagecoachcollector Před 5 lety +141

    Investment. That's how I've got where I'm at now, wasn't from saving. Investment. Great video! I am like you, I rather work for myself 12 hours a day rather than 8 for someone else, making them rich.

    • @cocodakilla
      @cocodakilla Před 5 lety +1

      so true!!!

    • @gritandglam1815
      @gritandglam1815 Před 5 lety +4

      You said it, sister! I agree with everything you said.

    • @ImenBen12
      @ImenBen12 Před 5 lety +8

      When you mean investment I would love for you to tell me on what exactly? Maybe she said it on the video but I paused it at the beginning to read comments lol

    • @vintagecoachcollector
      @vintagecoachcollector Před 5 lety +2

      @@ImenBen12 there are millions of ways to invest. I've invested in real estate and business. You can do stocks etc, there's literally so many ways to invest. Not all investments are the same.

    • @gritandglam1815
      @gritandglam1815 Před 5 lety +5

      Investment wasn't part of this video. What the OP (and I) are talking about is dollar cost averaging into a 401K or other retirement fund, making even small individual stock purchase typically into an indexed mutual fund, purchasing real estate, or investing money into a business. Dollar cost averaging is simply investing the same amount routinely knowing that some stock purchases will be more $ and some will be less $, but over time it will average out. This is the opposite of day trading where you are chasing the best price--not a game for amateurs. Growing wealth is not a big mystery. It's about investing small amounts over a long period of time. When I started investing into an index fund (after I had maxed out my 401K option) it was with $25.00 a week that I pulled together by saying "no" to all kinds of easy to blow money on stuff. That was about 20 years ago and my shares in the fund are now worth 600X what I paid for them. The first place to start is with your 401K especially if you have a decent match from you employer. After that, even $50.00 a month ($600.00 per year) invested into a no-load mutual fund will surprise you in ten years at how much it is worth. If you want to save for a house rather than retirement, consider a Roth option where the money is after tax so when you cash out that fund to cover your downpayment the only tax burden is on the income rather than the principal. Did this help?

  • @a.k.8161
    @a.k.8161 Před 5 lety

    I love that you provide these financial tips and not just focus on showing luxury shopping. This is much needed video in the youtube world!!!

  • @bauerntrulla
    @bauerntrulla Před 5 lety +14

    Great video! 💖My personal number 1 favourite sentence: "If you hate your job your life's gonna suck!"😊 So true but so many people endure their job and don't have the courage to change something. That is so sad because change is the starting point for something great.

    • @JennyAmponsah
      @JennyAmponsah Před 5 lety +1

      Linda Mai couldn’t agree with this more! I left my previous job after years of being unhappy - now I’m so happy in my new job!

  • @adayinrio2640
    @adayinrio2640 Před 5 lety

    I usually do not comment on CZcams blogs but this one was really valuable. It is not just about what you want but what you envision your future to be and what you are willing to do to achieve it. Great message.

  • @TsetsiStoyanova
    @TsetsiStoyanova Před 5 lety +10

    i watch your videos mainly for the luxurious lovely accent!

  • @dansuneautrevie2713
    @dansuneautrevie2713 Před 5 lety

    Awesome advice!! I started buying luxury before I could afford it. Led to debt. Took a long time to pay it off! You’re the best!

  • @ainhoabenavente2630
    @ainhoabenavente2630 Před 5 lety +43

    I’ve just bought yesterday my first designer bag and I m over the moon!! I did get a very good promotion so hopefully this is just the beginning:)

    • @najahalam3003
      @najahalam3003 Před 5 lety +3

      Congradulations! What bag did you get?

    • @tolulopeawoyinfa9245
      @tolulopeawoyinfa9245 Před 5 lety +4

      Ainhoa Benavente congratulations...it’s a lovely feeling...I would constantly stare at my bag and caress it for days after 😭😭

    • @ainhoabenavente2630
      @ainhoabenavente2630 Před 5 lety +1

      Najah Alam a givenchy bag! :)

    • @ainhoabenavente2630
      @ainhoabenavente2630 Před 5 lety +1

      Tolulope Awoyinfa haha I can understand it now I have one! Haha

    • @SophieShohetOfficial
      @SophieShohetOfficial  Před 5 lety +5

      Dear Ainhoa, firstly - HUGE congratulations on the promotion, I am so proud of you for smashing it!! You must feel a great sense of achievement 😊 A very well deserved designer bag purchase there I think! Xx😘💖

  • @chrismeister15
    @chrismeister15 Před 5 lety

    What I love about your channel is that your content is mostly all about luxury items and hauls and shopping but you never come across as bragging or boasting or anything like that. Keep up the good work. Subscribed! :)

  • @catherinemcdonnell9553

    Dear Sophie, this video is the gospel ... much respect and thanks to you for your honesty and encouragement to all of us. I've learned from experience that luxury items are a journey, but worth every moment once the destination is achieved. There is a tremendous thrill I get every time I reach for my LV and Ferragamo handbags that I didn't owe anything or anyone for them. It took years, and I paid many dues in life, and now I call these things"life time achievement awards". It's a great feeling.

  • @TheBohemianStyle
    @TheBohemianStyle Před 5 lety

    FANTASTIC video with great information! I don't mind that you retouch on this subject to help us stay focused and stick with our goals, whatever it may be. Very encouraging and thank you so much for pointing out the secrets of IG and CZcamsrs. Sometimes we accidentally have these negative thoughts with jealousy or envy, without knowing how not to be stuck in the situation we are in and to be where these CZcamsrs are.
    I find that you are the very rare CZcamsr who is absolutely honest and share true information and when you don't want to share due to some privacy/security issue, you are so honest and up-front about it. I truly wish we are close friends. Not for your luxury things, but I love a friend who is driven by their career and who continue to be real.
    I am sending you and your husband lots of warm love and hugs!

  • @chelseaslookbook
    @chelseaslookbook Před 5 lety +1

    I love watching your videos. So encouraging, loving and REAL. So much love! Xoxo

  • @egleliis978
    @egleliis978 Před 5 lety

    Been busy and haven't really been able to watch your videos, but how refreshing to do that again!
    Always able to put me in a better mood :)

  • @Zzz-xe2dt
    @Zzz-xe2dt Před 5 lety +1

    Thanks Sophie! I love how genuine these videos are❤️

  • @EllenandTara
    @EllenandTara Před 5 lety

    Omg this is actually SUCH an amazing video!! It's so awesome to see a CZcamsr giving really good, solid financial advice. I feel like often you see all these amazing youtubers just constantly buying designer bags every week, but they never talk about the reality of the costs. Yet here you are telling people to pay off their debts and how to make more money and encouraging to work hard! This was truly inspiring :) xx Ellen

  • @ladyesther3400
    @ladyesther3400 Před 3 lety

    Love this video. It does not only leave your audience dying with envy watching you display your luxury items. It is empowering. Praying that all your followers take your advice by heart. 🙏🙏🙏

  • @CaitlinPawlowski
    @CaitlinPawlowski Před 5 lety +5

    First thing I thought of when I saw your blouse was wow it’s so beautiful! Wonderful tips too Sophie 😘❤️

  • @ninjakittyX
    @ninjakittyX Před 5 lety

    I LOVE these videos from you! So motivational and informative, I really value your opinion/ advice. Also your eyes look super open and bright here, doll like! So pretty xx

  • @Only1Sosa.
    @Only1Sosa. Před 5 lety +1

    What would we do without you Sophie?!! Thanks for always sharing Great advice/tips and always being so frank with it. Have a Great week lovely

  • @Louisvandevelde112
    @Louisvandevelde112 Před 5 lety +3

    OMG Sophie thank you so much!!!!! I’ve been trying to save for a Burberry trench for so long. I have some accessories, but still they are very nice but its not what I want. I work at a florist as a cleaners but she doesn’t hire me often so not a lot is coming in. So i love clothes and fashion. I am so going to try that ebay thing like have a little shop and on several sites. REALLY THANK YOU SO SO MUCH

  • @ysa5235
    @ysa5235 Před 4 lety +1

    Appreciate that you mentioned to pay off your debt FIRST! 👏🏽

  • @kyrnemorris3292
    @kyrnemorris3292 Před 5 lety +1

    Sophie I really like you. You have amazing topics. I save your videos to watch over an over again. 😅Keep doing what you’re doing!!

  • @malikadeleon5422
    @malikadeleon5422 Před 5 lety

    Thank you so much for your planners. Can't wait to print and use them. Very true about them being fun and pretty!

  • @LM-yn7sv
    @LM-yn7sv Před 5 lety +1

    Love you so much, Sophie! You’re such an inspiration 💕💕

  • @Jgg282
    @Jgg282 Před 4 lety

    I have just got a new stressful job and spent all the last 4 days studying for exams: i love my luxury goods and expensive things so it was great to watch this today!

  • @lazytarotgirl
    @lazytarotgirl Před 5 lety

    I really like your realist approach with this. I’m also in the middle of repaying debts/bills etc and your videos remind of why it’s worth it. Although I’m a way off from my first high end purchase, it has crossed my mind that a time might come where I’ll be hesitant to spend all I’ve saved once I get to that point 🙈

  • @NoraTKD
    @NoraTKD Před 5 lety +4

    Honest and reasonable tips, thank you Sophie!

  • @kristiewarning26
    @kristiewarning26 Před 5 lety

    This was a positive video too many young ladies on CZcams talk about all their high end luxury expensive items but they never talked about how they save for it or that they were in debt at one point and we're ashamed or embarrassed about a great job for admitting that! Nice to know that you're somewhat reasonable average middle-class person who just works hard and saves for a goal or an item she would like whether it's a vacation on down payment on a house.. or personal handbags

  • @jadiecakes3241
    @jadiecakes3241 Před 5 lety +2

    I consolidated my loans this year, and the difference in interest means that if i save the difference in repayments at the end of the 4 years paying my new loan i will have saved over 5k (and thats AFTER the interest i calculated). Definitely look into moving loans if you find something lower interest.
    I wish i could ask for a raise haha but thats not how it works in my company. You basically have to wait for someone to retire and a position to open up -_- but i LOVE my job so thats ok. I try to only buy thing after ive sold existing things i no longer use or wear, which definetly helps!
    Thank you for this video Sophie! They always inspire me to keep on track with savings. The only issue i have is spending the money once I have it haha! Im a bit of a hoarder and like seeing the numbers go up haha.

  • @claudpat11
    @claudpat11 Před 5 lety

    Love this video. I’m trying to get out of debt and I need to hear how good it will feel to be debt-free. Also needed to hear the part about working yourself to the bone and not having enough at the end of the week. I’m a teacher and I work so hard, so many unpaid hours and I don’t see any kind of increase or pay raise. It’s not right. I feel stuck and with no options because all I’ve done is teach, but I just can’t anymore. I’m at a school with so much negativity that it’s literally making me sick. I can’t continue teaching anymore it’s a nightmare.

  • @DreamGurlOreo
    @DreamGurlOreo Před 5 lety

    Raw and real, especially when you say if you hate your job, your life is going to suck. However, if you love your job, you'd do it for free. This is when you really know who you are so find something you're passionate about and keep investing into yourself first.

  • @laurenholt6007
    @laurenholt6007 Před 5 lety

    Love this video! Such an inspiration how hard you've worked to get where you are. You're a boss lady

  • @iiwam6056
    @iiwam6056 Před 5 lety

    I absolutely love your videos Sophie. They're always a treat💜💜

  • @latoyalegemah787
    @latoyalegemah787 Před 5 lety

    I LOVE THIS VIDEO!!! So realistic and the true. Spend less then what I make, pay off all debt and save. Make more money through my job or be entrepreneurial. I'm making myself a vision board this week!!

  • @bellatrixevans
    @bellatrixevans Před 5 lety

    God I'm so glad I found your channel. I've only recently started my fascination with luxury goods and every other channel I've seen is about just being rich. Nice gifts from husbands or families, or celebrities who can afford these products (but are at a position of fame where everybody won't be able to reach any time soon). Gifts etc have their own place, but this kind of grounded, practical straight talk is so rare and so helpful, and it makes me realize that a nice lifestyle genuinely is an option for me. Not anytime soon haha, but someday!

  • @samrussell1325
    @samrussell1325 Před 4 lety

    You are fabulous . Your posts are so relatable . Thanks for another great video. x

  • @cathm652
    @cathm652 Před rokem

    Thanks Sophie! Love your “motivational” vids. Cx

  • @georgethewitch3852
    @georgethewitch3852 Před 5 lety +1

    Wow I LOVE this! Very uplifting and inspiring message!

  • @pAsDeNoMzUt
    @pAsDeNoMzUt Před 5 lety

    I will sound like every one else in the comments, but there we go: thank you Sophie for the tips and for what you do, your down-to-earthness & honesty are always refreshing ☺

  • @aokiQ
    @aokiQ Před 5 lety

    Sophia !!!Thank you! I love all your videos this is my favorite kind!!! Great advise!! thank you so much!

  • @maiseycassworld746
    @maiseycassworld746 Před 5 lety +1

    Great great video 👍👍👍 ... Thanks sofie for the inspiration... Keep it going ❤️❤️❤️

  • @nasreenakhtar5115
    @nasreenakhtar5115 Před 5 lety +4

    such an AMAZING VID LOVE YOU ❤

  • @angiesizzlepants
    @angiesizzlepants Před 5 lety +6

    I love your vision board! It's huge, dream big, girl :)

  • @jenntruong6023
    @jenntruong6023 Před 5 lety

    Really good realistic tips! I am saving to buy the classic Chanel flap bag in black!

  • @chambanachik1
    @chambanachik1 Před 5 lety +49

    I always love your videos. I stay at home with my kids, and the household income isn't huge. For me, it would either be have children, or save (for probably a decade!) to get a Chanel bag. I know I won't ever have the chance to own them. I appreciate your chanel and watching what it's like to have luxury things, but at the same time, I'm content with my life. Everyone has different priorities, but though the money is tight here, we're really happy.

    • @khwezay
      @khwezay Před 5 lety +2

      Sell your family memories, tips on being a mom, personal experiences right here on CZcams ☺

    • @jenrich111
      @jenrich111 Před 5 lety +1

      As long as there is laughter - that helps us get through things like a tight budget. Just this morn I remember my Gran saying, " there is poor and then there is dirt poor." Luckily most of us are poor so it pays to be grateful. Ka-ching! Some families are so poor that they eat dirt/mud - because there are minerals that the body can use.

    • @melindamercier6811
      @melindamercier6811 Před 5 lety +3

      And THAT is having the right mindset! 👏🏼

  • @SueEmmDee
    @SueEmmDee Před 5 lety +1

    Thanks for the video. I'm a fan of buying the right colours and of buying quality that will last and of looking after my things as best as I can. With fewer colours the garments co-ordinate better and neutrals are the easiest although I love bright colours the most.

  • @annachino3602
    @annachino3602 Před 4 lety

    Hey Sophie, I just found your channel and this video specifically. I really like your authenticity and compassion. It's really easy to see how you feel for anyone who can't afford even a holiday and give such practical down to earth tips on how to get there. I appreciate that and I am picking some stuff right after this comment that I'm going to sell. That said, I also appreciate you don't talk down on anyone not being there yet. Really enjoyable and inspiring for me. Will now check out other videos of yours. Taa and see ya later! Anna

  • @DivineStyle08
    @DivineStyle08 Před 5 lety

    Such a great and helpful video Sophie ! Thank you !😀

  • @loritriplett1089
    @loritriplett1089 Před 5 lety +1

    Thank you so much for the video!!

  • @its_my_my
    @its_my_my Před 5 lety

    When I saw the title, I thought it was going to be a fifteen second video where you said “Hustle hard.” 😂😂😂💕💕💕

  • @tyrajoseph6296
    @tyrajoseph6296 Před 5 lety

    You speak a lot of sense and good advice. I have to work hard than anyone else to get stuff that I like. Also I'm a good saving.

  • @biyceboz8466
    @biyceboz8466 Před 5 lety

    Your amazing! You inspire and give strength!

  • @holy6704
    @holy6704 Před 5 lety

    I just bought my first luxury with my own money. It feels so satisfying after hard works. It makes sense why people would do it.
    For now, I'm saving up ;)

  • @hakashi09
    @hakashi09 Před 5 lety

    Very great tips! I totally agree with the one who says about changing the job if you feel stuck in there with not get away. Did that several times and I’m really happy with the position I’m in now. Secondary with your advise about eBay I sold my first item there within 2 weeks. The story is that i had my first Chanel sneakers which I loved but they were too small for me after giving birth. I wanted to keep them forever since it’s my first Chanel purchase, but I did math and sold them on EBay! Definetely going to do that with other items!

  • @seasoneddiva160
    @seasoneddiva160 Před 5 lety

    The real deal!! Thanks Sophie for your transparency!!

  • @jenrich111
    @jenrich111 Před 5 lety

    I love your Frank and pleasant disposition. Thanks Sophie 😎🇦🇺😘

  • @nikkil764
    @nikkil764 Před 3 lety

    Sophie so true. No thing ever feels as good as being debt free. Also, if your money isn’t working at least as hard as you are, you’ve got it wrong. Living off passive income is a great goal,

  • @MyBagsMB
    @MyBagsMB Před 5 lety

    This is why I’m subscribed to your channel. ❤️❤️❤️

  • @jasminkad.1150
    @jasminkad.1150 Před 5 lety +2

    Thank you for this very informative video Sophie ❤️

  • @joankenna1014
    @joankenna1014 Před 5 lety +2

    You look amazing today. Loving your videos 😀

  • @Lia-oh9dg
    @Lia-oh9dg Před 5 lety +1

    Really good advice ! Thank you.

  • @dawnhunter538
    @dawnhunter538 Před 5 lety +2

    I love this content Sophie: I'm not saving for luxury, but I am trying to pay off my mortgage in 5 years (!) as well as saving to invest in another property before moving to Germany in two years. I earn decent money, but I still live like a student! Over 50% of my income goes to either mortgage overpayment or savings, and because of your tips I've also had the confidence to ask for a pay rise, which I am getting and is going to be backdated for 12 months (!!). Once I have paid off the mortgage I am going to buy myself a Rick Owens leather jacket, the only piece of luxury that I truly want

  • @parisTheDoll07
    @parisTheDoll07 Před 5 lety

    From this video I’ve subscribed ,,,, you’re so real ,,, love. Your channel

  • @emmacat3202
    @emmacat3202 Před 5 lety

    I'm saving up for the RV school bus I want to live in after graduating college. These tips are great, and I'm going to use them for saving up for it. :)

  • @iheartoppa
    @iheartoppa Před 5 lety +5

    love your top!

  • @meloflori
    @meloflori Před 5 lety

    You love,
    that you have explained great. In Germany we say "you hit the nail on the head". Great video, as always. You are super. Stay as you awesome. : - *

  • @xoFrancescaFox
    @xoFrancescaFox Před 5 lety +2

    ahh I have my eye on the Louis Vuitton Pochette Metis! xoxo

  • @danielintheantipodes6741

    Excellent advice. Thank you!

  • @lehteadnorof
    @lehteadnorof Před 5 lety

    It's all about priority what you want in life...I bought my big purchases which is my house first then a couple of vehicles . Now it's more of vacations. I am into fashion but I'm more of the affordable quality :)..my luxury items that I have are mostly gifted which I feel lucky to have from generous friends ;)

  • @Marciafilipapinky
    @Marciafilipapinky Před 5 lety

    Love this, Sophie!

  • @silc.1002
    @silc.1002 Před 5 lety

    Loved your advice to saving money 💴

  • @alessandrasuarez9482
    @alessandrasuarez9482 Před 5 lety +1

    Such an informative video Sophie! Thanks for sharing it with us 💛 By the way, what nail polish are you using in the video? It’s such a gorgeous pale pink 😍

  • @personallyjoua
    @personallyjoua Před 5 lety

    Love it! Helpful information 😇😇😇 need to think about increasing my income although I just got a promotion but still want more money!!!

  • @susanaduarteraposo
    @susanaduarteraposo Před 3 lety

    Hello Sophie, I saw today some of your videos for the first time and I must say that I like them/you very much! You are intelligent, hardworking and have such a good taste! My savings are also going to a Porsche and a Chanel Bag! Cars are my passion since childhood and Chanel was a very strong woman who inspires me always! Thanks to you, who make me believe I can do it :-*

  • @luxurydoll6007
    @luxurydoll6007 Před 5 lety

    Yes I use my vision board always I just bought my Hermès Birkin that was one of my Luxury items on my board for example vision board are amazing keep you focus thanks for the amazing pointers 💕😇❤️

  • @krystalbarnett3380
    @krystalbarnett3380 Před 5 lety

    Great Video Sophie very informative and helpful.

  • @theoa7882
    @theoa7882 Před 5 lety

    Well said! Very inspiring and aspiring.. and always beautiful Sophie! 😘

  • @kawaiikitty4569
    @kawaiikitty4569 Před 5 lety

    Hi Sophie, nice video as always. I’d echo the other comments here in that you are sincere and down to earth with your advice. The main thing I would like to say is for everyone to live within their means. Paying off debt should be the number one priority because it is a viscous cycle of interest accruing and the debt getting larger. I’m also weighs you down with the stress of the debt burden. Education is also key. Try to get the best education you can and therefore a good job which makes you happy. Everything else after that is just a bonus. Also each to their own, how people choose to spend their money is their choice of course. I wonder if anyone else actually loves saving, because I know I do! It gives me a sense of achievement and that I can have some security not only to achieve my goals but also if the unexpected happens.

  • @laura2842
    @laura2842 Před 5 lety

    thank you you are very inspiring!!

  • @ivoryandwalnut
    @ivoryandwalnut Před 5 lety

    Love this vdo. Pls do more like these.

  • @janetroberson5645
    @janetroberson5645 Před 5 lety +1

    Great advice Sophie

  • @lucywoolnough4306
    @lucywoolnough4306 Před 5 lety +1

    Your full of good advice so maybe you could help me or do a related video on the topic. I'm studying cipd level 5 for hr qualification. I've got lots of experience in hr but not under that job title. Would you recommend applying for jobs at the bottom of the ladder I.e.hr administrator to get my foot in the door. Or keep applying for hr advisor roles that my studying is more relevant to. If I take a step too far backwards will it actually harm my cv ? ❤

  • @JeremyTalksWitU
    @JeremyTalksWitU Před 5 lety +1

    Empowering QUEEN

  • @teddy9770
    @teddy9770 Před 5 lety

    I like that you promote getting out of debt. Luxury goods are not worth going into or staying in debt for.