LOW BUY CHECK IN | creating a spending budget, essentialism, shifting my focus & making sourdough 🍞
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- čas přidán 5. 09. 2024
- Hello Beauties! Here with another #LowBuy Check-In vlog in quarantine, baking my very first sourdough bread, and thinking a little more deeply on last week's video of how Low Buy has changed for me. I'm really motivated to shift my focus to what I think is essential in my low buy and in my self-love and self-development journey. That means shifting the focus away from guilt and being the "perfect" no-buyer, and really narrowing down what it means to live in moderation and be truly balanced when it comes to things I spend money on.
I've decided to create a "fun money" budget for June, so I avoid setting myself up for failure and guilt and I can still decide to purchase items here and there that bring me joy, and avoid the feeling of failure or sabotage in my budget and in my goals. If the money is not spent, it will simply go towards my student loan. I am feeling happy with this decision (as suggested by you guys in the comments, so thank you!), and am hoping it's just another actionable way I can learn to be kind to myself, while still working towards my goal of paying off my student loan.
How has your perspective on Low Buy shifted? What have you done to change things?
#lowbuycheckin #stopshopping
Also, has anyone made sourdough bread before?!
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ABOUT ME:🌿
Hi, I'm Christina - I'm a blogger slash vlogger slash human on the internet slash pharmacist, hence the "apothecary" theme in my name. I'm currently living in Toronto, Canada and on my channel you'll find fashion and styling videos, lifestyle content and check-in's on my LOW BUY. I'm happy to take any requests, too! Your girl is flexible (not physically). Feel free to leave me a comment below - I always make sure to read and respond, and I love chatting with you guys. Be sure to follow me on Instagram too - that's where I post my daily outfits and photography, and where I interact with you guys the most. Thank you SO much for watching and taking the time out of your day to support my teeny little channel. Love xx, Christina.
even through those two or three videos you posted, the emotional mindset shift is evident. you seem lighter and happier. you seem more self-compassionate. you're doing great! thank you for bringing us along on your journey.
I have some fun money (clothes, makeup, skincare, hair, salon) in my budget (about $100/month) and I actually set the option in the app that it accumulates over time (it doesn't reset every month). So I can basically "save" this fun money for a bigger purchase/salon balayage over time (almost impossible but I'm trying hard). I can also go under in that category and try to get back to $0 over time - so if I blow it one month then it has consequences on the following month, I can't just wipe it out (what happens most of the year...ugh). Something to think about, it doesn't have to reset every month. That way you won't feel the urge to spend it that month to not "lose it", and you can't either just "ooops" one month without consequences.
Thank you Helene! This is a great tip ❤️❤️
Great ideas! Can you please share the app you are using? Thanks
^^ what app are you using?
Fun money is such a good idea. I feel so gulity whenever I buy something. Good idea to include fun money in my budget.
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A fun-money budget is what got me out of my overspending pattern. It was really helpful to separate out that part of my budget, which I did for about 6 months before I actually made a full budget with all the other usual categories.
This is so encouraging to hear! ❤️
It's so crazy how many of the things we think about and grow in are similar, blows my mind🤯 All the things you talk about; setting budgets but still feel guilty, not appreciating the stuff you buy even if you thought about it, listening to the podcast about essentialism, stepping away from the tough "Dave Ramsey" style.. So cool to follow someone who is on the same path!🥰 I appreciate every video you post, you're my nr. 1 CZcamsr!🤗
A huge A for effort! Whoa, please stop the anxiety ( guilt) of going for perfection. Thank you for opening up with the struggle. As a marketing major always remember the true marketing purpose behind the brand, influencer , media etc. to get us to buy more by seeing our image in their product. Oh and of course perfecting our image with their product. Madison Ave. does an incredible job, I definitely get sucked in.
Who has made sourdough bread in quarantine? Also, have you considered having a "Fun Money" line in your budget? Is it working for you?
I have one and I like it. I think not every cent has to be spent for a rational important purpose ... with my "Fun Money" Line, I feel great getting Sushi, not like "oooh but it is so expensive ..." :D and also, I love stationery from time to time xD It its okay, as long as I dont "go overboard" :D
I have been making gluten-free banana bread past months. Also, I created a separate bank account for "fun money" in January. For me, it has worked really well and most times I realised I haven't spent all the money in it. But it also gives me space to buy something I have been wanting to get for myself without feeling guilty.
style apotheca try taking out cash $200. Then it’s already spent. If you spend it online, move the cash to another spot. If you don’t spend it in the budget cycle, you don’t need to replace the $200 or add to it.
I'm planning to after watching your video. I just need the ingredients!
I totally failed my low buy the first 5 months of this year. After the last online purchases came last week I decided that I can't continue to do this to myself. Period. Point. Blank. I realized that every payment to the credit card means massive "money leaks"! Money slipping away that I earned that can go into my long term goals. I have everything I really really need. It's time to invest long term not just for the short term.
Heard you on Amanda Weldon's podcast "We Did It" recently. Love this message and your tips. Thanks for sharing your vulnerability. These types of videos have much more of a positive impact than hauls. I appreciate your content!
Thanks for being so candid on your channel. I really appreciate you sharing your process with us all. So many great insights in this video. I find the concept of "essentialism" a really practical one. I've waffled between extreme minimalism and maximalist and felt guilty for the longest time about how much waste I created by trying to fit either of these molds that weren't "me". Instead this past year I've focused on what really matters and that has helped immensely. Thank you for that reminder. :)
Definitely ❤️ I always grapple with feeling like I should be a minimalist, but the concept of essentialism seems a lot more customizable to our own comfort and situation that works for us. I’m really curious to explore it more.
Essentialism is my most favourite book ever, it was a total game changer for me!
I was thinking about your conversation about fun money. And if you just go ahead and keep that $200 in your fun money… But then at the end of the month you have a little bit left over and you can put it on your loan. Then the fun is attributed to paying off the loan even a little bit. So something that’s hard, paying off the loan, sort of bleeds into the fun stuff in your life. I’m not too sure where you’re at right now, in 2023, but it seems like a really great opportunity to shift the meaning of paying off the loan. Omg your bread turned out FANTASTIC!!!!
It helped me the most to plan my budget including 'fun money', not to completely ban myself from shopping. I was afraid that I would behave like an addict during rehab - at some point when I forbid myself to buy, I would end buying like crazy. Finally, I planned my budget this way: rent, groceries, basic payments, savings, and small 'fun money' (it was around 100 USD).
I love your honesty but I did worry at times that you were beating yourself up & suffering such quilt over a slip up. So with this in mind I'm delighted to hear your budget will include 'fun money'. Guilt free pleasure & enjoyment in what you do buy. You've got this❤️
#loveyourself #bekindtoyourself
I love "fun money" idea! I can't tolerate any strict restriction, so when I started low-buy this year (thanks a lot for inspiration!) I only set a budget that I can spend on make up and clothes and several other rules in order to decrease number of items in some categories. However, if I have something left from that amount by the end of the month, I add it to the next month budget, just in case I will want to buy something that costs more that my monthly allowed sum. That works in both directions though - if I spend some extra money, I must spend less next month.
I loved that expending budget and it has worked so well for me . You can still save money pay off debts and have a bit to spend
That teal/green color looks so good on you!
We’re so similar! My mindset is almost identical. I too am working on paying off debt that just sat there (and some that was created) due to a shopping addiction and constant pursuit of the “perfect” wardrobe. And I too am working through this guilt/shame thought pattern in therapy. It’s tough, but the journey is worth it!
Suggestion (take it or leave it) from a Dave Ramsey, turned J.L. Collins FI, and lover of fashion person. Don’t put the money you set aside for “fun” to pay off your loans if it isn’t spent at the end of the month. Just let it overflow into the next month. I still felt the pressure to save that money rather than have “fun”. Once I had it in my mind that no matter what, it was fun money, I felt much better overall. I’m rooting for you!
I let my fun money roll over. It’s good for building up deferred gratification since it lets me save for something big if I want.
Yay on the bread! I am completely intimidated by sour dough. Great job, it looks great! I love and appreciate your videos. It always brings great insight into getting through no buy/low buy/minimalism without losing your sanity. I have been rethinking and adjusting my goals and expectations on spending and it hasn’t been easy but your videos have helped a great deal. I can see you’re evolving from your experiences and you’ll find your sweet spot and get your student loan paid off. Take care and stay safe. 🙂
Your combination: talking about low buy and showing how you bake sourdough bread 😂 You are the best!! And yes you’re still the only one that keeps me in my low buy. Thank you so much! Send you lots of love from germany!!!
I also work with the fun money budget. I carry it over to the next month if I don't use it . Most of the times I use it though. 😂 If I overspend I spend less the next month. I also have an account for leftover fun money. For example now in lockdown I spent a lot less than what I usually would have. I also plan to use that stock of fun money for more luxurious pieces or more extensive shopping sprees, but I have only a few Euros in my stock so far. 😂 I don't put fun money toward serious stuff because I don't want to mix the two (guilt etc.). I also saw a video on you tube about how it is better to admit to not being totally frugal but still being very financially responsible at the same time. It has worked for me so far.
I struggle woth the guilt feelings as well and I think this is a great way to do your June budget! With giving fun money a cat in your spending 👍🏻 looking forward to seeing how it goes throughout the month! Rootin for ya! ❤️☺️🌈
your teeth are so perfect, I can't stop looking at them LOL Great video as always
I have not made bread but have made brownies - not the same but both make the house smell good while baking.
The struggle with guilt really resonates with me and the idea of a “ fun money” budget is intriguing. As I sit with a basket of items in my subscription box sale cart, I am struck with an almost paralyzing fear of somehow missing out (the lure of a sale is strong for me). Perhaps having a “ fun budget” will help - my all or nothing thinking is certainly not helping me.
Mine wasn’t at all either, Amanda ❤️ it worked for a while to get my kick started, then began losing into every aspect of my behavior where I was questioning everything and it was very demotivating and painful. I think balance is key, and balance is the most difficult place to find. You can do it ❤️
Love this! You are a Baker! Looks delicious. 😊Enjoy your budgeted fun money. Moderation is key, but a life of deprivation or guilt is not your best life. Hope your day is awesome.
Thank you so much grace! I looking forward to see how it works for me ❤️ you too!
I just wanted to let you know that you sharing your journey started me on my low buy year and got me thinking about my goals for saving. I've broken some of my low buy rules, but just having any sort of rules has made me more intentional about what I add to my wardrobe and less spendy (I reckon I've cut my shopping expenditure in half compared to Jan - May 2019). I've also started tracking my expenditure and budgeting, so fingers crossed that it helps me save more!
I've got a budget for fun stuff. What I do is set aside an amount that will make me reasonably happy without breaking the bank. It gives me the permission to spend within reason, but at the end of the month when I don't spend it, it goes into my savings and that makes me feel accomplished! But if I do spend it, as long as I'm within budget, I feel accomplished too. Either way I win! 😁
Absolutely!! That’s what I think I will do with mine. If I want to spend it, so be it, and if I don’t, onto the student loan it goes. Either way I don’t feel bad about it, and I think it will be liberating as hell. That’s amazing in your progress, Joey!
please do a "stories behind my tattoos" video? i love how vibrant your tattoos are and am curious about them
Fun money is important! (I call mine "novelty spending"). Re: baking: I make quick breads all the time, it's easy, fast and gives lots of room for experiments! Be well in Canada, love from Brooklyn!
P.s. good job on the bread, it looks good! Don't worry you'll get the hang of this sooner or later Christina. Be kind to yourself. Sometimes we have to make more massive mistakes until we finally learn and we break the bad habits for good. Not saying that you've made any massive mistakes but when we are new at something there's a big learning curve and we have to modify and adjust, as you and all of us are finding out. 😊❤
I just love your videos. They help so much! ❤❤❤
You should do a video focussing on essentialism! Your bread turned out great, yum!
Wow, your bread came out beautiful. Fun money is a good idea. I will also include it to my budget. Thank you :) have a nice week.
I LOVE YOU VIDEOS. YOU'RE THE CUTEST AND I'M SO EXCITED TO BAKE BREAD
Your videos are resonating with me so much, it's insane. 😳😊
My low buy has sucked ass... being stuck in “stay at home” has made me want to makeover my small space.. also I have been expanding my capsule wardrobe because there have been some awesome online sales.. but I need to stop. I just unsubscribed everything again, but so far this year I have paid off 4 student loans and both of my credit cards have zero balance, for now. So since I have been hacking away at my loans, I felt like I need to treat myself, but I go overboard and then don’t know when to stop.
Also if you dust a little flour on your hands when turning and shaping it won’t stick as much.
Omg that sour dough! Thank you again for another insightful video.
Clever analogy girl 😉 Another 'yeah what she said!' video!
Did you score your top to let the steam out? Also you start off at a high heat to form that lovely crust and then turn the heat down to finish
You're such a lovely person:) And your bread must have been delicious :)
Thank you! We ended up eating the insides only - the crust was too tough 😂
Can only Highly recommend the Essentialism book ♡♡♡
This is great yes you need just a fun money budget category to take all the guilty away while providing you with some spending pleasure 😉
You can still overspend on the fun budget and feel guilty about it. You can still try to rationalize something being part of the "fun money" or not and try to move money around in the budget. It's something to try but it's not going to fix a spending problem for sure..
You look great in green
#StyleapothecaSquad!!🙋🏾♀️💜 Loved it and needed this cause your Girl fell off and did some impulse buying but I'm getting back on Track so Thank you for this. I've never had sourdough bread before.
me too, babe! we got this xo
@@Christinamychas Definitely going to incorporate Fun Money!!
I find so many coincidental similarities between us - based in Toronto, work in the medical field, having a YT channel to share our life and even our views on spending and finance!
❤️❤️❤️ great minds
0:45 - My Alexa heard you and set a timer for 1 hour. 😂
😂😂😂😂 she hears everything
Mine too 😂😂
Mine too!
Have you taken the time to sort out how long you have before your loan is paid off with different scenarios? The website *that sounds sketchy but isn't* called vertex42 has a great excel that will let you see how payments will affect your debt totals & give a pay off date. Maybe if you see how many years you are comfortable with, you can feel better about living while you pay off your debt :)
This quarantine has shown me how much I can save if I go lowbuy. I realize that the eating out was such a waste.of money for me.
Aww you baked sour dough. U are a Baker now!
haha it was suspect 😂🍞
Where is your green top from??
It’s from little high, little low! ❤️
I love sourdough! I think I will make it today. Thank you for sharing your day and thoughts.
Yumm! And thank you Tamelan! ❤️
Se podrían traducir tus vídeos??? Soy Española y no me entero de nada😗
not that kind of banging xD
😂😂😂😂🙏🏻🙏🏻🙏🏻
🤗💛💛💛
What hair mask are you using?
It’s from the detox market - it’s by a brand called “evolv” - it was just a Deluxe sample hydrating mask!
Your body is insane!!😍
Ugh tried making a sourdough started twice and it just didn’t work 👎🏼👎🏼
It seems like such a finecky process!
Take a look at theboywhobakes ig highlights on sourdough. I also thought I’d killed many starters but he breaks it down step by step and makes it so so easy!! I have now been baking perfect sourdough for about 6 weeks. It’s fab!
CurlyVeganLauren thank you so much! Definitely going to check that out!!
Good for you. I saw you continuously punishing yourself. Good move
Tried watching. You touch you hair so often it’s distracting.
Lol I know I was super aware of it. I felt frizzy the whole time since I was letting it air dry. Will work on that. Thanks!