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Personal Finance with Leila - Debt Over It

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DISCLAIMER: I am not an expert or a financial advisor. I simply love talking about finances and want to share my journey to financial freedom and help others along the way!

20 Comments

@lovechildmag 1 month ago

It may not be a habit, but choosing the right partner, and even the right circles has a huge effect on your finances, if everyone is aligned and focused, making the right decisions flows much more naturally.

@sarahrigg6000 1 month ago

I like the "pick your outfit the night before" advice and utilize it. I started a new job that is a lot more money but also a lot more stress. I decided one way to manage stress was to reduce the number of decisions I have to make, so I actually set my work outfits up for the next 5 days, with alternate tops in case I drop breakfast on one of them. :) I also spent some money at the grocery store and stocked up my work fridge with snacks and microwave lunches so that I don't have an excuse as to why I need to stop at a convenience store for snacks or go out to lunch, which is both a money hack and a "decision fatigue" kind of hack.

@Rokk1997 1 month ago

Telling someone new to investing to invest in crypto is WILD 😂

@Iquey 1 month ago (edited)

The woman at 4:40 makes a lot of sense. Imagine if for every dollar women spent on clothes, or accessories, or makeup, we instead spent 1/2 that money on stocks. Patriarchy wouldn't be able to keep up.

@Imcoldallthetime 1 month ago

manually tracking my daily spending and finances was the biggest game changer. I understand there are apps that link to bank accounts and all that, but the action of actually recording what i spent into a ledger (just like people used to do with checkbooks) makes the spending feel more "real." I think before anyone tries to move on to try to improve other money habits, they need to build this skill first. If you don't know where your money is going, then the rest won't matter.

@jillybeanssssss 1 month ago

oh to have financially responsible parents 🙏🏻 may not be my parents, but i will be for my future family!

@idreaminlandscapes 1 month ago

I'm somewhat of a minimalist and love that you dont waste money on cosmetics. I honestly think we're brainwashed into thinking we need so much superfluous things. But anyways I trimmed my own hair after putting it off for too long and I did pretty great!

@thatgirlshaz 1 month ago

My husband and I wait 1-2 months before we make another large purchase (anything over $100) just to make sure it’s something we really want to buy.

@morihav 1 month ago

I also record what I spend right away; some people find that really tedious, but I personally LOVE doing it. My current habit regarding the things I want to buy is to visit websites and take screenshots of the clothing items that catch my eye; a few days later, I look at the photos and realize I don't even like that blouse anymore, thereby avoiding an impulse buy. Out of ten saved photos of blouses, I remained interested in only two.

@Heyy_Sirii 1 month ago

13:53 Sometimes, even with Prime, packages can take 3 or 4 days to be delivered.

@krystinehamre7851 1 month ago (edited)

I paid my consumer debt off other than my truck payment and started tracking my spending. I am such a spender. Now I keep a list of everything I want to buy and that I would normally buy, and it puts it into perspective how much money it would cost me to buy the things I want anytime I want them. I’m a carpenter so I’ve always bought any tools or work gear without question or budgeting. I honestly feel such an overall improvement in my self concept and confidence since I’ve started being mindful of my spending and tracking every dollar.

@brittanynicole9318 1 month ago

Learning how to do things yourself really helps. 🎉

@pavanpatel4150 1 month ago (edited)

Here is what I have started doing or did recently: fully contribute to my 401K, additional $1000 per month to brokerage account or IRA, and stop spending money on things I don't really need or want...that included cancelling Amazon Prime.

@mikebowman4692 1 month ago

There is no need to have a cc with an annual fee.

@conork8177 1 month ago

If you are paying off a mortgage, and can afford it, automate it to pay half each pay. If you get paid biweekly, take one payment and divide it by 26, and add that as an additional amount to your biweekly payment. This will add 2 extra payments made per year and cut almost a decade off a 30 year loan.

@hunterlyons539 1 month ago

10:30 in Quebec French we pronounce it like “Day-jar-dan” with the emphasis on the last syllable!

@thatgirlshaz 1 month ago

I barely ever online shop.. maybe 1-2 times per year. I just don’t like money coming out of my account and me not having the item I’m purchasing already in my hands 😂.

@MoneyMattersKris 1 month ago

⏳ Compound growth is frustrating because it looks unimpressive at first. You contribute, wait, and wonder if anything is happening. Then years of consistent investing begin to matter. The lesson is simple: don't underestimate what time can do with money you keep adding. 🌱

@theneuroreport 1 month ago

8:44 totally agree! I am historically bad with ccs. I just have one that I put a small bill on and pay off monthly.

An alternative I use is cash back through my credit union. You can purchase gift cards to most stores and you generally get 1-3% cash back.

I just wait until I go grocery shopping or have a specific items I need or want to purchase, buy the gift card and get the cash back! It’s a good alternative to get some benefits of a CC