How to stop impulse spending! #frugalliving #spending #budget #costoflivingcrisis

How can you break the spending impulses of a lifetime? One at a time!

0:00 Introduction
1:15 Parent Guilt
3:06 Avoiding Our Emotions
5:56 Habitual Spending
8:23 Boosting Your Self Esteem
11:14 Emotional Responses
15:03 Boredom
17:42 Conclusion, Dolly & Mary.

Frugal Queen in France

We are a British couple living in Brittany on a budget.
Frugal recipes, days out, home renovations and day to day making do in France.

We’ll give you hints, tips, advice and an insight into our life in France.

Equipment used
Camera : iPhone
Editing : iMovie on a Mac mini

Music:
YouTube Copyright Free
Epidemic Sound

YouTube Audio Library
Apple iMovie*

[traceyelliott]

I used to be horrible about impulse spending! I think I was trying to make up for something I felt lacking in my life. Very honestly since I started watching you and a few others that have taught me about being frugal, I've realized nothing I purchase can make me as fulfilled as Knowing I'm being frugal in order to plan for my future!

[justynakavi]

I used to go to a café every Thursday for 30 minutes while my son was at his speech therapy session. They had the best Earl Grey tea I ever had (it's called Nunshen) and it cost 3.5 euros. It was my moment and although expensive I didn't mind to pay. Then few months ago I came, ordered my tea and the price went up to 4.5€. It just felt ridiculous and I never came back. Now I'm taking tea or coffee in a mini thermos and wait at the therapist's waiting room. I saved some money ever since, and I happy about it, I'm proud of myself for finding out it was just a habit and I'm not deprived, it's really not important at all. My frugal muscles are definitely getting stronger :)

[SpatchG]

This was a very compassionate video, and a good message. I was just saying to my husband i need a line in our budget to treat my elderly parents now and then. The cost of living crisis has really changed what they're able to afford now.

[Amanda-pvkz]

Jane, I really love your attitude towards women's aging. I don't impulse buy trying to look younger but have had a bit of "accepting" to do with menopause. I appreciate the kick in the pants! It's just life and a great privilege to grow older.

[caroldaviddaviejohnson]

👏👏👏 As someone who was head of a women's centre for decades, how I wish I could have bottled up your message and hand it out for free. It's so true, you are absolutely great just as you are, aging as a woman is a testament to our lived experience and wealth of knowledge. That is to be celebrated, not erased in overspending trying to regain a youth that's past. Fabulous video!

[lynnoorman]

Love the dog or lampost analogy - not heard that one before - it did make me giggle! I am never bored - not enough time to do everything i want to do - let alone the stuff i have got to do! Re getting older, some of my friends (60s and 70s) are making themselves look ridiculous trying to look younger - from the extreme of botox ( which just made her look permanently surprised!) to buying trendy clothes and make up ( which made her look like mutton dressed as lamb). This doesnt mean dont be stylish and have fun but be yourself. When did we start to worship youthfulness rather than the wisdom of age? Oh that's when it became profitable for large corporations 😂

[janetstonerook]

It amazes me how much I spent on makeup, hair and jewelry when I was still working! Now retired and in my 70s, I feel well dressed if I'm freshly showered and dressed in clean street clothes. And have a bit of moisturizer and sun block on!

[alissaashworth]

Recovered impulse spender here! I home educate our children and we focus a lot on life skills. They have a monthly allowance and that’s theirs to do as they wish with. We’re about 3 years into it now and I’m really starting to see the fruits of my labour. The children are able to discuss money and budgeting better than I could even 2 years ago and it’s helped my naturally impulsive son (adhd) in so many ways.

Something I also do is let them know that their wants and needs are important so if they say they’d like to do horse riding lessons every week for example and that’s outside of our activities budget we discuss what we can manage even if that’s a sinking fund for a twice yearly pony trek. Or if there’s a food they like but it’s not something we can have in abundance again we collaborate and see how it can factor in our budget. We don’t have an endless budget AND your wants and needs are important so let’s work it out together…the perfect antidote to parental guilt debt!

[kathwilliams]

Hi to you both. I am guilty of buying on impulse . My eldest grandson has just won a place in a prestigious University to do his Masters degree. It has given me the impetus to save everything l can to help him achieve his dream . I have bought a tin that has to be opened with a tin opener, so the temptation to use the money for something that l probably dont need isnt there. It is a challenge .

[carlienvandernet]

I used to be a shopaholic. About 5 years ago I went to the Action and bought a big load of knickknacks and when I came home and sat down for a little while I realized I did it again. The next day I went back to the Action and returned everything. The cashier was surprised to get everything back and asked me why I returned everything, so I just told him that I was a shopaholic and that I had to return it from myself. He just said okay and gave me my money back but I felt so terrible about it that I have never ever impulse bought again. Now I first think about how I’m feeling before going to shop, make a list and keep to the list. Whenever I feel that I’m not feeling well I just don’t enter shops.

[dawnmorandin]

I have the habit of looking at photo's of friends on holiday and thinking how come I'm not on a cruise...I've never seen a post where they say we didn't have the money for this cruise and now have to pay interest on our credit cards which are already maxed out with the last cruise we went on haha

[shirley]

Great vlog, I sure can relate to a lot of the topics today. I have been on my extremely low buy, budget plan, since New Years, and watching videos help to keep me on track. I also read the comments, and that is useful to further understand why we spend, and also that I’m not alone in this journey.❤

[Lemonandvanilla]

I love the idea of “I’m having a terrible week at work” budget! Especially since I just had a terrible week at work! Stress can so easily undermine months of hard work so better plan for that moment.

[emilylinklater]

Thanks for your encouragement.
I used to be a shopaholic especially with Ebay. Retirement was approaching and not long after I started watching your frugal channel..it really has helped me curb my spending. I plan needed purchases and save money now. You and Michael are awesome on your videos. 😊

[carolynm]

I have 2 decompensating coping habits: overspending OR overeating. I have to monitor both. I reduced my impulse purchases (allowance, gasoline and dining out) by 21% this quarter. My goal was 10%, and will be this coming quarter.
Tried a new diet and gained 10# in 2 months. Stopped it and have lost 2——ever onward!

[elizaC]

We completely understand the feeling blah, the past week has been rough at best. My husband felt so frustrated with a project that he just wanted to cry, and at that exact moment my eye health demanded attention, with a concern, so while frazzled we took a break between 2 appointments we got burgers and root beer and laughed off our rough week, agreeing that we might have needed that time out, more than we needed. We agreed to deduct the cost from our food budget for the burgers and root beer, tightening our belts for the remainder of the month, and consider that a mental well being spend. We reminisced about our weeks struggles and laughed 🤣 😆 and then we let go of the weight of the stress.

[juliemoore]

I used to be an impulse shopper. After getting into trouble with debt, I finally learned to discern between a want and a need. Now, even when shopping at thrift stores (charity shops), I bring a list. It's helped tremendously.

[chantellewilliams]

I am ashamed to admit that Impulse spending is a natural reaction for me. I think every reason you mentioned has been a reason for me to impulse spend 😩
At the moment, I'm very aware I'm lacking in self esteem and feeling very insecure so trying my hardest to not go off the rails with spending. However, i confess that yesterday I impulse bought a summer dress. Yes it's beautiful and yes I have accounted it in my April budget so it's okay, but if I'm really being honest, I probably wouldn't have bought it if I was feeling a bit more confident with myself. Going forward, I'm going to try and take on board your tips to pause and reflect before spending instantly. Also work on the confidence and self worth 💪

[pammentzer]

Great video today, Jane! Yes, I have had seasons of impulse spending, especially on clothes. My underlying emotion at the time was grief. I had lost a baby and felt absolutely worthless as a woman. Thankfully, I have healed from that and didn't continue in my bad spending habit as a way of coping. ❤

[jbalconi]

What a great video. I give myself $5 to spend impulsively at the thrift store, usually on something I can "play with" by sanding, painting, decoupaging, etc. When you were talking about comparing oneself to celebrities and other influencers, I had to agree. Before hopping on your channel, I had watched a video about influencers misleading and outright lying about their timelines so their followers think they keep superhuman schedules while looking fab. Then the followers think they're falling short and need to "up their game" with products and services. It's a constant battle. I finally backed away from a minimalist community because it promoted a donate-acquire-donate cycle.