LOW BUY CHECK IN | STUDENT LOAN REPAYMENT, NO SPEND SEPTEMBER, PAYING OVER $5K OF DEBT IN A MONTH 💸
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- čas přidán 5. 09. 2024
- Hello Low Buy Family!
I decided to vlog my August Check-in to let you know how I've done on my Low Buy this month in terms of shopping, spending, and how I did with my student loan repayment plan this month. I'm also sharing kind of a "Day in my life" because things like focusing on fitness are tools that I now use often to avoid shopping and overspending.
Moving into September, I'm challenging myself to another NO BUY, aptly named "NO SPEND SEPTEMBER" to see how much more I can lay down on my student loan into this new month.
Who's with me? xx
MY LAST VIDEO WITH CHAIKA 🐶❤️🙏🏻 👼www.youtube.co....
#debtfree #getoutofdebt #lowbuy
MY PREVIOUS VIDEOS ON HOW TO STOP SHOPPING:
• HOW TO STOP SHOPPING |...
PEOPLE WHO INSPIRE & MOTIVATE ME:
HANNAH LOUISE POSTON - NO BUY and BEAUTY BUDGET bit.ly/2HsWmgh
AJA DANG bit.ly/2HuKx9m
DAVE RAMSEY bit.ly/2Hw7zwJ
MATT D'AVELLA bit.ly/2LMGyGF
THANK-YOU SO MUCH FOR WATCHING! ❤️
COME SAY HI 👋🏻
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ABOUT ME:🌿
Hi, I'm Christina - I'm a blogger slash vlogger slash human on the internet slash pharmacist sometimes, 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 YEAR. 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.
Who’s with me in a NO SPEND SEPTEMBER? xo
I’m thinking about September being a low buy month for me personally. In August I hardly spent money and only treated myself on my birthday estimated. $40 for 1drink and dinner with close friends. It’s great you applied $5300 to your student loans. I owe $76k in loans. It has been a hard long road. However, having the extra money to pay the principal balance helps a lot!! I can relate how it can boost your happiness. I’m able to add extra this September . So I’ll buy the basics (essentials/ food water, shelter etc), finish my side table and save the rest! Thank you for uploading this video and being transparent. It’s encourage me to going and be kinder to myself (especially self talk)
I‘m in - I spent lots of money on a new laptop last month because the one I wanted for a year had a huge discount. Stillt it cost me alot of money. I‘m doing my wardrobe switchover this weekend - seeing all the clothes I haven‘t seen in months should be exciting enough to keep me away from shopping. Plus I‘m going on holidays by the end of the month so that‘s where I want to spend my money. And I think a big thing is going to happen soon and we are actually buying a house. Which is a huge financial responsibility which I‘m really quite scared off being honest.
Yes!!
You've got this! Happy belated birthday! It is a long, hard road but I think we can be nice to ourselves as we walk it and come out free and happier than ever at the end ❤️
Congratulations on buying a house! It is a huge expense but a huge milestone. You've go this. xo
I've never understood why people feel ashamed of student loan debt. I got a full tuition scholarship to my dream college and borrowed money for books and housing. My parents didn't have the money to send me to college, and I ended up taking out about $24000. It has always felt like money well spent- like an investment in myself that I don't think I can ever regret. Maybe I can say that because my degree did open doors and felt like an opportunity for me to get out of a poor background. I deferred my student loans when I went to grad school, and although I no longer have any grad school debt I still have about $4000 from my undergrad loan. It will get paid off eventually... but the fact that I borrowed money because I wanted better for myself and wanted to make opportunities for myself isn't something I'm embarrassed about. Good luck on your low buy month!
It was definitely an investment in myself, but I feel shame because I basically ignored it and decided to feed my shopping habits over these years instead of focusing on paying the debt off and prioritizing becoming financially free for about 3 going on years now. That's where my embarrassment comes from in this now if that makes sense. I'm grateful for pharmacy school and wasn't really able to cashflow that schooling, hence the student debt. It's how I approached paying it off after I started my career that bothers me now, and that's what I'm trying to change. No shame to anyone who has to take out a student loan whatsoever!
Your videos are powerful !!! You have me soul searching and asking myself the tough questions!
I'm so glad something resonated! xo youve got this!
Congratulations on having that much money to pay off loans. We currently are working on budgeting better. I think the hardest thing is feeling like you are getting somewhere, and then something random comes up that takes money away from what was saved.
I think it is so important that you're talking about this so publicly!!! So many of us have unrealistic expectations about paying debt and budgeting and it is really helpful to see your journey. You are motivating me to spend less and save more!
I've been trying to not buy things that aren't necessary but I have definitely been having a hard time. It's so difficult for me to not put money towards things I truly enjoy eventhough I know I don't need then! But I'm determined to be debt free by next year so I am actively working on eliminating habits that enable my slight shopping addiction. Your low buy videos are wonderful and definitely help me keep things in perspective ❤
Yes! Debt free will really feel like freedom - you can do it!
I really enjoy your videos. It’s so healthy to talk about overshopping and finances. I’m further along my no-shopping journey, and it still feels strange to go out and buy things because I need them. And I often feel like I could easily slip back into my old habits. It’s a process. I’m glad you stopped using the phrase “failure”, when overall you are clearly succeeding. Well done on tackling that loan!
I love all your no buy videos, they're so honest and relatable. I've been going through a bit of a rough patch in life lately and realized I've been shopping to make myself feel better and to avoid my real problems. Your videos have been great to see there's a light at the end of the tunnel and that bad habits can change, thanks for being so honest in them xx
I loved the keep your head down and do the work vibe of this video. You are paying off debt because you are doing the work - not because of a windfall. You got this - keep it up. I'm in the same boat. Work, gym, no going out, no buying new clothes and minding my own business. September = more work and progress
That's really great that you were able to put that much towards your student loan! I'm on for a No Spend September. I'm working on repaying my emergency fund after having an emergency and I'm still trying to fully fund my retirement funds this year. It's going to be tight, but I think if I can cut a few things I'll make it with some room to spare.
Thats what the emergency fund is for! I've had to go back to baby step 1 a few times this year. It's a long and steady road. We've got this! xo
Your videos are so refreshing! My feed has been pretty shallow these past few months... thank you for sharing ☺️☺️
Great job being kinder to yourself and getting rid of negative self-talk! ❤️ Your advice about recognizing this is a process really helped me in Aug-I cut way back on eating out, didn’t buy any unneeded clothes, put some $ in savings and even purchased a dress for a wedding at a very well-planned low dollar amount. Overall a big success and I’m finding I’m much more thoughtful about spending after only a few weeks.
yes! and celebrate those successes! every single one of those things is a win because you were mindful about it and have your goals in mind. celebrating the wins keeps us motivated. xo
I’m trying to establish good goals for myself for my low buy. The issue I’m having is that I’m working towards going low waste, and find myself needing supplies towards that. Like running out of shampoo and wanting to invest in a shampoo bar and tin. Investing in a safety razor ($18+blades but will last me forever vs. plastic razors). I love your videos and get so much inspiration from them! I have such a spending issue and it really stems from my own self worth as well. You make me think deeper! Thank you!
Triss P that’s awesome! Yes I agree low waste items are an investment but long term. I think buy and replace items slowly as you need them bc I’ve been tempted to overhaul my stuff for the sake of being greener or more sustainable (at the expense of getting rid of stuff I can still use but is not as eco friendly), and then I still overspend and may not necessarily need or use the items if that makes sense! The razors are a great buy tho! Xo thank you so much for your lovely comment. I’m glad something resonates ❤️
What you said at around the 10:30 mark really resonated with me. I feel that I've also used my student loans as an excuse for not achieving as much as I "should" especially because my particular skill is film production design which is not very stable. But instead of aggressively paying off my loans i'll spend frivolously not even on large things like luxury or long lasting items/experiences just little things. August was a really bad month and a small $200 emergency expense left me almost bare with no savings it was a big wake up call and I'm hoping September is a much better month and I wish you nothing but the best on taming your shopping addiction and debt repayment thank you for sharing and making me feel less alone!
nancy.who you are not alone! Bumps in the road happen for all of us and if we keep going we will all be okay. Xo you’ve got this 😍
wonderful video!
just fyi: nestle owns loreal which owns the body shop so you might want to stay clear of their products :)
Fani Novak L’Oréal sold body shop to Natura &Co in 2017 😉
Your not alone. Ive done all those things to myself as well. After watching this video I realize I need to not be too hard on myself. Student loans from culinary school put me into serious debt. However, it’s been 9 yrs since I graduated. I’ve been able to finally now put extra this year in my debt. Knock it down, stay on a very tight budget. Yes everyone is on a journey , we all need to stay focused. ☺️
absolutely! you can do it!
You are so awesome! Thank you for sharing! Your content keeps getting better, don’t stop! 👍🏻
I really love these update videos of yours and how honest you are with us and yourself about all the emotional stuff connected to these things. I find them really helpful and refreshing inmidst all of the consumerism on social media. Sending you hugs from the Netherlands and hoping that your September is going well!
I really like your videos! I used to shop a lot of clothing but now that I have a budget and I make a list, things work out better. I'm also putting money aside for vacation and savings because I'm lucky I don't have student loans. I'm from Europe and we have really good public colleges that cost almost nothing. Thanks for your honesty! Congrats on your loan payments!
Europe is amazing for that and so much more! Thank you so much, love. Yes on the traveling. I can't wait to be able to cashflow experiences like that. xo
I would love to see a video of how you manage your time between your job, insta posts, and creating youtube vids...while still having time to workout! Lol
I think you're lovely and very honest which I appreciate. I wish you wouldn't call yourself trash, I sometimes hear the negative self-talk in your videos and you're doing such a great job. I hope you're proud of yourself!
You are very inspiring. I so enjoy your videos!
My areas of shopping are clothes, make-up, skincare and eating out! that can take a big chuck out of a budget I’ve been trying to pare down but still struggle as my budget will change when I go back to school I know that a no buy except for essentials is coming and just maybe save up for longer periods of time if there’s something I want? I think it can be done ✅
#StyleApothecaSquad!!!🙋🏾♀️❤ Love it!! I've been trying very hard to not spend But I need to just write it down and Budget myself. NO SPEND SEPTEMBER!!🙋🏾♀️
Myrna Joseph omg loveeee it! Thank you boo! Yasssss you got this! Xo
where is the black tee you worked out in from?
Watching this in 2022
Starting my low buy
biodegradable is a term that isn't regulated. like "natural"
Good to know! I like the wipes but I think I'll finish the package and just wash my face immediately after working out or something.
@@Christinamychas i've seen someone make "reusable" lysol wipes in a glass jar with fabric. maybe you can modify something like that?
angesoie great idea!
Love your videos. Really inspiring🙌🏻💞
thank you so much!
Congrats on the huge amount off your student loan! 5300 is a lot. I have a 40.000$ student loan. I pay off every month but I cant pay a lot so I won't be finished until 2030 at the rate I'm at now.
You can do it! I really recommend listening to Dave Ramsey and following the baby steps. It's really invigorating and inspiring!
@@Christinamychas thanks! i'll give him a listen
Congratulations on your terrific month of August! I can vouch for the great sense of peace you will have once you have the debt completely tackled. It far surpasses whatever you feel when splurging.
$5,300 🎉🎉🎉🎉🎉
yesssss it feels good!
I'd love to join you in a no buy September! I'm going to look for the video you created of how you wrote this up. Thank you for your honesty and vulnerability ❤
Dreamer Pastrana that’s amazing! You can do it! Xox
@@Christinamychas thank you!!
I feel like almond milk sometimes does that anyway 🙃
LMAO I did forget to shake it - I wonder if that's why haha
Fun fact! Basically all milks with curdle slightly if the coffee is not enough. I find it more common with coconut and soy, moderate with almond, and basically non existent with oat.
tng og very fun fact! Haha I had no idea 🤗
Spin for the skittles 😂👍🌈
lol worth it
I have been throwing all spare money onto my Discover credit card but for some reason I keep justifying using my PayPal credit. Today I called and froze my account because I know that is the only thing that will stop me from using it. It is so easy to use PayPal credit because it is everywhere for everything online. Thanks for keeping up with the videos! Love you so much
👌 👏🏾👍🏾
how to resist self Sabotage?
it can be difficult - but I think it comes down to remembering to love yourself and care for yourself. i wouldn't treat a stranger as badly as i have treated myself in the past. self sabotage goes with that. xo
style apotheca thank you.. i will try to remember the advice everytime that feeling comes up. love xx
🌈👍 go girl
🤗