12 Effortless Changes That Will Upgrade Your Whole Life | The Financial Diet

Upgrading your life doesn’t mean you have to give in to lifestyle inflation and start spending beyond your means. In fact, there are tons of little improvements you can make with very little effort — like making a better choice with your tax refund, or even finding a simple system to deal with clutter.

Pew research study:

Average tax refund:

Compound interest calculator:

How Americans plan to spend their refund:

How much we wear from our wardrobes:

American drinking habits:

“Junk bowl” method:

Money spent on Ubers:

Monday stress:

Using devices effectively:

The Financial Diet site:

[jesusjazzyogaspicytuna]

1. Divide & conquer chores
2. Use tax refund wisely
3. Pick 1 day/week to wear something you forgot about
4. Stop drinking alcohol on certain days of the week
5. Put "junk containers" in your home
6. Delete your guilty spending applications
7. Order new shower curtain (or other odd item that needs fixed)
8. Activate the health application on your device
9. Have a Monday ritual
10. Check bank accounts first thing in the morning
11. Delete email that you don't know how to respond to
12. Get rid of something in your home that causes stress

[karalewis]

Effortlessly say "NO"
Say no to vacations you dont have cash in the bank to pay for.
Say no to going out to the bar when you dont have cash in the bank.
Say no to buying a brand no car you dont have cash in the bank to pay for it.
Say no to over eating and spending way to much on food.
Keep saying no to the things in your life that keep you in debt.

[johannacallaghan]

The financial diet is slowly but surely overhauling my life

[debrabros]

A year ago when I first came across Marie Kondo I went through my wardrobe and got rid of everything that didn't spark joy. Which ended up being my entire wardrobe but out of necessity I kept 1 pair shorts, 1 pair pants, 3 tops, and 1 jumper and I allowed myself to only buy one item at a time that I was absolutely in love with. It took over 6 months to build a full wardrobe but it taught me so much about my style and what suits my body. I feel like my wardrobe is huge now but I wear everything at least once a fortnight. I definitely used to be one of those people who didn't wear over 80% of their wardrobes though.

[JennyWas]

When it comes to chores I honestly think the easiest way to do it is to just do chores TOGETHER, as in physically at the same time as often as possible. I did this when I lived with my twin and it worked so much better than the more divided approach my boyfriend and I have now. Nobody feels like the other one is cheaping out on the chores, if you’re both doing chores at the same time. You don’t need to do the same chores, for example one person can vacuum while the other does the dishes etc, but as long as you are doing chores for the same *amount* of time, you will always feel like you’re doing roughly equal amounts of housework

[greytgreytx]

I'd love to see you caption your videos so that they're accessible to people who are Deaf/Hard of Hearing. They're extremely useful and I know the more people who could tap into the info, the better.

[ourdreamscollide]

My best friends and I all get together on Monday nights to watch the bachelor or a silly movie. We all keep spa robes in my closet and rotate on who provides the snacks. Many times on Monday when I’m feeling a dip at 3 pm, knowing that I have fun, relaxing plans that I don’t have to think about helps me push through!

[lvsmagic]

Something that really hit home to me, I recently got a credit card and guess I never hit the "don't mail me my statement" option. So I get it and as a part of it was a calculation of how long it would take to pay off my debt if I were to take the minimum payment. I had ~2k on the card, minimum payment is 25 dollars. With that + interest I would pay it off in 12 years and it would end up costing me just south of 5k. I always pay my cards off each month so I had never really sat down and thought about those numbers before. It really blew my mind and I understood how easy it is to just drown in debt. Some people can't avoid going into debt but my god, don't put anything on a card if you can help it if you can't pay it off each month.

[timothysmith]

I listen to a ton of different financial related videos and podcasts. I have to say every part of TFD is done well. The background is beautiful and pleasant. The announcer sounds very professional and doesn't take 20 extra minutes to get to the point, the production quality is very solid and lastly the content is great. It feels very wholistic and not just about the money aspect of finance.

This really is a quality channel. I'm a 40 year old male and it is appealing to me, but I can see this info and how it is presented as being appealing to a wide range of folks including late teens-early 20's. In fact if thjs channel, or youtube had been around when I was in my teens I would have made much different choices has I seen a video like TFD videos.

Great job, you are helping so many people!!

[Dana-mlsy]

My husband & I fell into male/female “traditional roles” because of what we were good at. He would fix things, mow the lawn, clean exterior windows, empty the cat litter, maintain the house, the car, boat etc. Empty bins. I cooked & cleaned & shopped. We both decorated the house. Nowadays after 35 years & in our retirement for the past 10 years we occasionally steer into others domains depending on the task. It works.

[Pomagranite]

I have never had a problem with mondays. I don't let the negativity get me done. Everyone else's monday can suck. Mine is gonna be liiiit.

[TheEagleEnigma]

can you guys do a video or article on charitable giving or responsibly helping the needy? as a city dweller i'm exposed to homelessness a lot and i struggle with the ethics/financial feasibility of assisting the homeless and other vulnerable communities (in a perfect world, i always would but, it's obviously not one). basically, just some kind of content for people who want to explore giving, but want to do it smartly. love the content as always, thanks!

[AllShivaPhotography]

That shower curtain idea for me was upgrading from plastic to velvet hangers, keeps your closet organization nicer because they actually create more spacing and all those times my sweater slide off no more frustration, only $20 for 50 hangers on amazon which is all I needed to start but I might also do this for the storage closet downstairs where I rotate my seasonal wardrobe.
Love your channel so glad I found you ! Appreciate all the constant new or just good reminders

[AzulFyre]

Mondays are the day that I buy coffee in the morning. The rest of the week I bring my thermos from home.

[MsJudiXO]

Chelsea’s Tuesday videos are the best part of this channel.

[crazykenna]

You can clean your plastic shower curtain liner in the washing machine. I’ve kept mine for years and it’s fine!

[Selinahtayi]

Any chance of getting captions for the deaf community

[msdramaticflair]

I actually disagree about the chores splitting. Her specific example of switching off laundry every other week is exactly what my husband and I do, and it's been working for years! I guess it goes to show that what works for us doesn't work for everyone. I read an article once suggesting that a couple write down all the chores they do for a week and then switch. That can give you a good idea of who is doing more and how to make it more fair.

[mirandabianchi]

A random little item I just bought to improve my life - a new sink organizer thingy. It was only $4, and for whatever reason I'd been putting it off for a long time, but having a silver, metal organizer to hold our sponges, etc, looks so much better than the big plastic one we used to have and makes doing dishes honestly a little less stressful. Plus really great-smelling dish soap, so there's one more thing to make doing dishes suck less. It's a Thing!

[TheSunnyD]

I’d like to see a video on how Chelsea personally manages her finances. Not specific numbers or anything, but what banks she uses, what investment accounts and where she has, saving goals, etc. I know Tasha has created similar videos but I feel a lot of us could relate to Chelsea a bit more since she’s a millennial (20-30s) who recently got married and doesn’t have kids yet. Also I miss brokemillenial videos