HOW I AFFORD LUXURY | Monika Cioch
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- čas přidán 19. 04. 2023
- This video is not meant to be bragging in any way. I just wanted to be open with you about a taboo subject that I myself had to figure out slowly. I don't know everything but perhaps I could help someone out there to not feel too much pressure about buying luxury and share what I've learnt so far in the little 28 years of life. I've been in seasons of life where I slept on the floor and had to save up to buy a bed for a few months and now buying a luxury bag here and there. Life is a journey and material things are not everything, but for those of you watching here's a bit about how I started buying luxury fashion and how I learned to save.
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MAKEUP & OUTFIT & JEWELLERY WORN IN THE VIDEO
Hoop earrings: bit.ly/3R3YzOA
My watch: bit.ly/34piEMO
Tretinoin I use: bit.ly/3HvCve5
Vitamin C serum- bit.ly/3AtGdyg
Foundation: bit.ly/3IXaBWa & bit.ly/3RxhjIc
Liner: bit.ly/3469ghb
Contour: bit.ly/3s4Plah
Diptyque Hourglass Diffuser: bit.ly/3VSltMi
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INSTAGRAM : / monika_cioch
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📩Brand Partnerships/ Contact me: info@monikacioch.com
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Disclaimer: Some of the links used above are affiliate links which means I receive a little % of commission from anything you buy via the affiliate links. It doesn’t affect you, the customer in any way but it may be looked as a little thank you for inspiring your purchase :)
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#luxuryfashion #buyingluxury #howiaffordluxury
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Thanks Monika. Financial literacy is key when buying luxury items. I am proud of your journey. You gave yourself grace and the gift of time. Well done.
I find it very disrespectful that people ask you that, but I also understand where they’re coming from. I think it says a lot about your big heart and humbleness, that you created this video! A pleasure to watch your videos and being in your energy, as always, Monika! ❤
Why is it disrespectful? We all want to be able to afford luxury items so if she can put us on game why not? She isn’t obligated to adresse our comments!
@@zazilicious How would you feel if, for instance, you get out of the supermarket with 3 bags full of food, you go towards your car to put those groceries in your car and suddenly someone approaches you and asks you “How did you afford to buy all that food?”. We are each on different financial levels. There are people that are richer and people that are poorer than us (unless you’re Elon Musk, but even he isn’t always on top). Each lives the way they can and there will always be people who look at you and ask themselves how you can afford something, even if for you that something seems normal, like groceries or having a roof over your head.
I doubt it that you can mimic exactly what Monika did to afford what she can afford. Because she has her own unique set of skills, just like each of us do. Maybe ask yourself what kind of value you can best bring to the world, how you can serve more people through your skills, and that will increase your revenue. But asking what another random person on the internet did to be able to afford what they can afford is a recipe for disaster to me.
@@RalucaBlajut I’m sorry I’m not trying to read all that girl you wrote an essay 😂😂. It’s a CZcams channel and people ask all sorts of questions and she has the choice and the right to answer or ignore just like the silly example you just gave me. Like I said maybe she has tips and she did for us! I find her answer very informative. I always want to know how people are able to afford luxury items because I too would love to have a collection like this; you’re reaching it’s not that deep.
@@zazilicious Haha, fair enough 😅 I do love myself a good essay from time to time, sorry about that!
I loved her answers as well, she is very humble and down to earth. 🥰
I’m glad she decided to make this video, because I’m sure it helps some. My issue was only with the ones asking personal questions.
@@RalucaBlajut But they didn’t ask what she does for a living or were rude about it. Maybe it could have been formulated differently like can you give us tips on how you are able to obtain luxury items. It’s intriguing because she’s young. Had she said my husband buys it for me then I would have been like ok time to find me a husband 😂😂 I loved how she explained that everyone as their thing and she’s not much into fancy cars so they don’t spend much on their cars or food. She seems to have her head on her shoulders. I often wonder the same thing about CZcamsrs with a large perfume collection too.
I agree with this so much! I don’t really care about a lot of stuff, but I do care about perfumes and books and I redirect a lot of money towards those. Many people ask me how I can afford expensive fragrances and to have a big collection, but what they don’t understand is that I don’t spend money on many other things.
I commend you for being persistent and having goals with your savings. Being a Polish immigrant myself In United States I understand what it means to start from scratch. Love your perfume reviews. I still have a lot of them to try. My collection is just a few now but as you mentioned I have different priorities at this point in my life than spending a lot of money to buy bunch of expensive niche fragrances. I would love to but have to restrain myself a bit. Meanwhile I’ll watch your fragrance videos and enjoy your recommendations. They help me a lot with my selection of samples to try. I recently ordered a sample of windflowers and lys soldeberg . I think they are coming today 😊❤
Girl, this should be pinned end of story !!!! We ALL allocate our funds where we want, house , car...bags, clothes, mutiple kids, Apple products, video games. The choice is yours. I was not able to do what I do now years ago. But having patience and working hard helps.
Exactly! Most of people don’t understand those simple things at all and make you feel guilty or at least bad 😕 one of my relatives keep asking all the time how could you spend so much on shoes or perfumes etc but they don’t see that they spent way more for some rubbish, unnecessary other things.
@@Mz.M.2757 Girl🙌🏽🙌🏽you just said a mouthful…When I was “young “ I treated myself unabashedly with finer things. Then when I enlisted and became an Air Force Military Officer, Wife, Mother…my priorities were “realigned;” you plan for different things. Now that my daughter is grown, a professional, preparing for HER future, I am now able to pamper myself once again with those luxuries I enjoy…fine Parfums, books, vintage couture clothes, antique & thrift stores for one of a kind furniture and items I love. No credit card debt…I don’t care for designer names, hoards of niche makeup…As long as my Savings Account is good and my home is comfortable, I’m good.🦋
@@evarene07 ❤️
Monika, you have so much grace. You didn't have to make this video. I love your channel, and I'm so happy for your success. I will always support you. ❤️
Thank you for this video! It came at the right time. 2 months ago I`ve been an immigrant for the second time. Im Ukrainian and just arrived in Canada. It was so difficult to pack all my life in one bag. I had to get rid of a lot of good stuff. You just reminded me that I need to be patient with myself and maybe slowly but build my wealth again.
I’m glad you found a safe place for yourself. Good luck in Canada 💜
People who look down on you or think you're a loser because you don't have an expensive car or live a 'luxurious' life are not people I want to be friends with. Thanks for the video, Monika
Monika we need more people like you in this world who aren't afraid or embarrassed to share their journey with others. You'll be further blessed when you help other people to understand what sacrifices they may need to make in order to have some of life's pleasures. I don't think it's disrespectful at all for someone to ask how you afford to do what you do. Unfortunately our educational system doesn't teach kids the skills they need for most entrepreneurial ventures, fostering talents and learning how to handle money, finances and investments. We're all left to the wolves to try to pick up those skills on our own and that's really a shame; it's one of the biggest problems with human culture in general. Most business owners inherit their businesses from family and the monopolies continue on down the line because only a few newcomers have the means to start from scratch. Business owners guard their secrets well and don't ever want to share their knowledge and skills with anyone else thus making it difficult to compete with them. Thank you for being brave enough to share what you know with others!!
I love your channel, Monika. You are so lovely, generous with your audience, and informative. Keep up the great work!! My hair stood on end when I saw the vid of you and your lovely Maciej so young! I love you two!
Such wise advice ❤ I just retired and it’s taken a lifetime for me to figure out what you’ve already done before the age of 30. Thank you for sharing this. You have definitely inspired me ❤❤❤🥰
It’s about spending smarter. I never blind buy perfumes. I test them several times before I take the decision to purchase them. If so, I look for the best places to purchase them with the best deal. It takes time, patience, curiosity and investigation.
Super film Moniko. Bardzo proste, ale cenne wskazówki, które nie zawsze przychodzą do głowy. Dziękuje Ci za to nagranie, bo wiem ze wielu unika tematu jak ognia.
Monika, thank you very much for this honest and WHOLESOME clip...there is, unfortunately, so much conceit around money and money issues as well as social disgrace by the so called "arriveds". Please continue with useful tips especially for the young ones 🙏. You and your husband make a great team👍
Luxury goods are a scam. The people that own/run these companies are worth billions and when you buy their overpriced goods (for a label) you just become poorer. You think you’ll feel better but it’s only temporarily. If you are trying to impress your friends, you need new friends. I drive a 22 year old car, proudly. I retired at age 51, proudly. Freedom is more important to your soul than 1000 Prada bags. If you are very wealthy then you CAN have both. But most people aren’t and only one can give you true happiness 💕
Szanuję, że poruszyłaś ten temat publicznie, chociaż nie do końca zgadzam się z twoimi refleksjami (ale oczywiście świetnie, że dla ciebie takie podejście było efektywne) - przy obecnej inflacji i nieustannym wzroście kosztów życia (już nie mówiąc np. o cenach nieruchomości) stwierdzenie, że wystarczy oszczędzanie i czas wydaje się mocno utopijne
Your mindset around money is the same as mine. Could be because we are from a similar region and that's how our parents taught us 🥰 Back when I was a student, I had people ask me, "how can you afford it?" (But my things weren't high luxury, just mid-luxury). And I'd say, "you don't see me with a cup of coffee every day, do you? That's $20 a week savings. I just choose to spend my money differently." There is a great book that I've read called A Millionaire Next Door and you explained many of the points made in the book such as driving an old car, but a paid off car. And look at you now, you're driving a Lexus!! I hope you still love it! 😍
That’s a really great video! Thank you for you honesty. You deserve to be where you are in life❤
People's finances are their own business. This is your business. Thank you for sharing your experiences with these great fragrances.
It is nice to see you! I was keeping you in my prayers when you were struggling. I was too at the time and getting a bit back on track! You have shown and educated me on so many interesting niche fragrances and I have searched out really nice dupes here in the UK for quite a few as well as made a few special purchases. You are so right about targeting what you really want. I fell in love with my now husband here in Scotland. We scrimped and saved for me to move here and become a citizen! Every cent went towards that. If you really want something you can work towards it for sure! You and your husband have such good chemistry together and I enjoy when you both do videos together as well.xx
You've gone up in my esteem a lot, Monika (I liked you anyway). I am Hungarian, so your Polish origins I definitely can relate to. Thanks for this video, I think it was a great idea and very well conducted, even if there is no need really for you to explain yourself. I'll keep on following your videos on fragrances, I love them!
This was so helpful! thank you and I’d love to see more videos like this
Loved this video, so humble and honest. Watching it from France 🤗❤️
It's actually really cool to learn this about you-- thanks for sharing!! ❤ Great video
Great tips! I always ask myself if I really love what I’m about to buy. If the answer is no, then I don’t buy it. You don’t have to buy stuff just because you like it. Think about how hard you have to work for your money. That’s always a good filter for me. Congrats on your accomplishments!
What a lovely way to present this topic 👍🏻
Very insightful! Thanks so much for sharing Monika!! ❤️
You should be so proud of how far you have come and what you have achieved ❤ I think the reason why you are willing to share is because you have earned it and it was not all given to you on a plate x
Well done guys. Happy for you and very proud fellow Pole x
I love you girl for even answering this question. You are strong and smart ❤❤❤❤❤
What sensible, well rooted individuals you two are. Seems you are well on your way to a comfortable future and retirement one day.🦋
I appreciate your honesty regarding this subject.
You are very wise and insightful beyond your years, which is rare for people your age in this era. I followed you because you and your husband seem like genuinely lovely people. ❤
Nice video Monika! love your channel xx
Loved this video ❤
Subscribed because of how real this is ❤
Great advises I agree with all. Love watching your videos dear
I loved this. Thank you!
Very interesting story, really proud of you, you came such a long way🎉🎉🎉
Wow, loved this video , you have really made me think about how i spend my money, thankyou ! X
Thank you, Monika, for the most realistic approach to saving. This was simple and straightforward; unlike other content creators who’ll automatically start suggesting stock investments, growing a business, and etc.
You are so honest Monica dear💚Enjoy your beautiful life 👍
Smart couple. Very practical.
Thank you. I really appreciate the wisdom you shared. Although, I agree that it was not necessary to share your financial experience, I think it was very kind of you to want to help others.
Thank you for the video, Monika. I have been puzzled for a couple days in a row with one through: how am I going to afford masters degree and buying a new car in one year without lowering current lifestyle 😅 I guess I really need to hear externally that it all take patience. This video hit the spot ❤
Asking someone how much they earn is extremely rude. So proud of your journey and willingness to address quite a personal subject. Thank you Monica for sharing. Cheers!!
Such a good video 😊
thanks for sharing) you're a gem
Love this
Also really love your hair color rn.
very kind of you to share your personal thoughts on this
you are very sweet and beautiful inside and outside, and beautiful couple
Well done x
Solid advice
will you do a what i eat in a day, where you buy your food ? This would be great
Monica, Thank you so much for such a video and your honesty❤ But may I ask you what blush are you wearing in this video, you look amazing. Thank you in advance. And in general what are your favorite blushes ? Would be so helpful to know) You always look so polished.
Aww thanks, the one here is my fave Valentino's Roman Sky blush
@@MonCioch Thank you very much) 🌸😊
Your voice is ASRM
Can you do a review on Bottega veneta illusione for her?
Work hard. That's it. I've followed your joined channel before this. The idiots want a cheat, and there isnt one. Please keep up your videos.
I think investment, economy and how banks operate should be teached in school.
I too spended all my money in my 20's and I am now in a dire situation...makeup, clothes, tecnology, I used to splurge so much, rent alone was 1.200€ without all expense. Now my priority have changed and I wish I had done differeny.
I agree, divide your money and leave a little found for your beauty or hobby expenses because a life of only privation is not worth it, spend it on little things or accumulate for luxury. Please, learn to invest and save, even a 200 $ or € investment can be rewarding in time. And be extremely carefull with debit card, they exist to keep you poor, with debit card you can be well dress and poor...it is not worth it.
🩷 You are an intelligent & well spoken
lady,
Poised, creative & Beautiful
You are Wise & Will succeed in everything You put Your ❤️&
mind to…
Thank You for Your interesting & helpful suggestions & ideas❣️❣️❣️
IDK… Bill Gates recently bought a $43 million dollar home in my area. After purchasing it, he tore it down and has been rebuilding on the lot. He might not be the best example 😂
But I love this, Monika! I completely agree 🙌🏻
I only recently found your channel, but I could have swore your accent was Australian!
She is so charming
❤❤❤❤❤❤❤
I want to retired in 35-40 and travel, so I focus on that. I don’t buy expensive stuff, parfumes only 😉
Good luck with your plan! 💛
For example I would like to buy durable, perfect quality pieces, but not from luxury brands which I think make overpriced items because they know they will be bought by people who want to feel like they belong to an élite. I used to think luxury brands were quality but then I learned my lesson when I squandered my savings for a Furla bag that began losing red gluey paint even after I brought it back to the boutique for reparations. I hope I'll never fall in the trap of luxury brands ever again. I'm here for quality not for the name of so called "luxury brands" who pretend they respect you (not even that with brands like Chanel or Hermès) when actually they only want to milk as much money as possible from customers.
are you a business owner as a content creator or do you also have another job?
First!!
Is your husband polish too?
Yes 🙌
u r so nice ❤
You watch formula 1 races?
I do believe you have enough perfumes now and you can start saving this money, you will be surprised how much you will be able to save! 😂
She started from the bottom now she's here
Bill Gates actually lives in a very large and expensive mansion.
Yep, I was thinking of Warren Buffet
Привіт з України
Very unusual to have such a strong accent living in UK since 13 year old?
it's called limited bilingualism and happens at a crucial age of 13
@@MonCioch I've started learning my third language, English, at the age of 13. Today, I'm fluent in Polish and English, having recycled the second language that I had learned. I can't shake my accent when I speak in English. I live in the US.
I assume you get a lot of PR - because something does not add up! You are only 29 - so there is something you are not disclosing.
Bill Gates had a huge incredible home - what are you talking about?
Seriously? Save money and buy a house and then buy luxury?! How much do you earn? Or the double income with your husband is the deal? Rubbish...
You are a very rude person. Maybe you should change the V in your name to an M.
That’s extremely rude 😮