hi it's Chelsea from the financial diet and today I'm going to be talking about things that I have cut out of my budget that I don't miss at all one of the biggest things I've learned in the past two years with TFD is how much something can seem like a total necessity when you're spending on it that you really don't even notice when it's gone learning to differentiate between need and want and learning to cut where you're being excessive are two of the biggest things you can do to get good with money and these just
happen to be my spending vices for you they may seem totally obvious or you may not spend on them already but the point is that you be honest with yourself and what your budget looks like for me these are now eleven places where I save money and don't feel the pinch number one is fast fashion now I've written about it before on the site and I've talked about it here before on the channel but long story short is that I used to shop a ton at fast fashion stores like H&M for over 21 Zara etc
my clothes usually wouldn't last for more than a season and I ended up spending in the long run way more because I would have to replace things so frequently over the past year and a half I've been to a fast fashion store once for one thing and other than that I've avoided it completely sometimes I'll go to thrift stores and sometimes I'll spend more upfront on investment items but a lot of times I end up just going to places like TJ Maxx and Marshalls where prices are similar but quality is way higher and most importantly
now i religiously buy on sale and obviously you can find some of the lower quality less ethical stuff at these discount stores but you also have the option of buying really high-end stuff at a much lower price number two is red meat at home so I'm someone who loves a good steak and I still indulge in what I jokingly referred to as my quarterly steak dinner we all go to like a nice steak house and I'll get you know a really beautiful piece of meat with some sides but generally I don't eat that much red
meat and I really do this for two reasons one buying red meat even if the store is quite expensive and two it's not super good for you so when you start treating meat is like this sort of rare exciting thing you focus a lot more on creating meals at home out of more affordable and obviously better for you stuff such as a lot of vegetables and starches number three is the obligatory drink with dinner when you're over 21 and able to go out and get a drink at a restaurant it sort of feels like a
novelty at first for the first couple of years after your 21st birthday you're like oh my god I can have a cocktail whenever I want and people will give it to me legally this is crazy and then you're sort of like well if I'm going to be going out to a rest Geron I should have the restaurant experience I could have a glass of wine with my dinner I should really enjoy it like an adult but getting a drink with your dinner adds two things usually somewhere between eight and fifteen dollars and somewhere between 100
and 300 calories I'll still sometimes have a drink when I go out to restaurants but I certainly don't do it every time and not feeling like I have to because I'm at a restaurant has saved me a ton of money number four is fancy gym memberships I used to have this quasi like the secret relationship with gyms where I thought that if I were to get the gym membership and pay a lot of money for it I would magically become the kind of person who goes to the gym long story short the answer to that
is no I've wasted hundreds of dollars on gym memberships I've barely used into this day the only regular exercise I get is walking my dog so problem solved with zero dollars number five is novelty clothes what I mean by novelty clothes is items of clothing that I bought knowing full well I was never going to wear this but I felt like if I bought it I would magically become the person who wears it so I imagine we can kind of see the pattern happening here to give you a perfect example I own a robin's egg
blue coat with a white fox fur collar that I have worn precisely three times and I love it but it has to be the most rare and specific kind of weather slash social engagement for me to wear it that the chance of me wearing it more than five times in my entire life is almost statistically impossible but I bought it because I thought I needed to have it and more importantly I thought it would make me a fancier person long story short I no longer buy clothes that I stand a very limited chance of actually
wearing number six is trendy neighborhoods I used to be paying about $800 too much on rent for what I had because when I was moving to the city and didn't know what I was getting into everyone told me that the neighborhood I was going into was where anyone who's anyone lives and you have to be I learned very quickly that being in the most hyped up neighborhood of the moment generally means two things one everything is going to be overpriced not just your rent and two you're probably going to be surrounded by do yourself a
favor and when you're moving to a city do the research to find out where real people live such as teachers and students and people without man buns number seven is let's get drinks friends if you are a young urban professional there are real chances that you have between about five and twenty five friends that you don't know super well that you have no desire to become deep friends with yet managed to see several times per year these are the people that I say are let's get drinks friends where you are constantly missing each other via
email and saying oh we should definitely meet up sometime and it's half because of networking and half because you're like well they're an acquaintance so I feel sort of obligated to them and you never really get anything out of these meeting if you're maintaining a half friendship with someone because you think that's just what you do as an adult chances are you should probably save yourself the money and get to bed early that night number eight is jewelry I never wear I feel like all women have a fair amount of purchases they make when they
first become adults that are like I guess this is what women are supposed to like wear or do or buy for a lot of us it's probably expensive perfume or things like brutally painful high heels for me it took me a really long time to realize I'm just not that much of a jewelry person this watch as fancy as I get and I inherited it from my grandmother I have a fairly large jewelry box upstairs of like statement earrings and statement necklaces and cocktail rings and nice watches all these things that I bought that I
was like I should have jewelry that's a thing I should have that I never wear if you're not a makeup person don't buy makeup if you're not a jewelry person don't buy jewelry it's as simple as that a woman doesn't have to have anything in her closet number nine is breakfast now I have been thoroughly yelled out about this on a separate video but long story short is that I practice intermittent fasting I've never been a breakfast person but now as a rule I don't eat it and therefore don't pay for it I'll link you
all in the description to the article that proves that the breakfast is the most important meal of the day mantra is a myth but I very much accept that breakfast may be important to you the point is that if there's a meal that you don't feel a need for you can skip it and save the money without feeling guilty for only eating two meals a day plus snacks even if it's just a morning coffee that you go out to with your co-workers because it's a social thing if you don't need it skip it number 10
is certain designer makeup item I have learned one rule about makeup over the years and that is if you are going to invest any kind of money in that makeup you better have at least two weeks of sample use under your belt before you commit I don't care if you have to go to three different sephora's wearing a fake mustache in order to get all of your samples make sure that you have enough to test it with that you know it works almost every time that I've bought a designer makeup item without properly trying at
first I've regretted it eleven is my email vices this might be a hardcore move for some of you guys but shortly after starting TF di hard unsubscribed from like every single like sponsored store newsletter thingy that I was getting basically there was a direct correlation between me receiving a lot of emails from a store and we spending money that I regretted there like I would get this alert that's like the j.crew outlet store online 50% off and it would be like my hair was on fire and I'd be like oh my god I have to
go buy shorts I did not need the shorts and even though sometimes it can be weirdly hard to unsubscribe from like an email mailing list for a store because they make it extremely complicated to do so the ModCloth you have to do it the more you love a store the less you should probably be on their mailing list or at least that's what I found so those are my big budget cuts that I do not miss at all and I'm very curious about what yours are so let me know what you guys cut out this
year and as always thank you for watching and don't forget to hit the subscribe button and to go to the financial diet calm for more bye
