Sometimes I add Avocado when I know I'm not wealthy enough for that.
@chaveznury
5 жыл бұрын
Anon1993 hahaha good one
@xobeautyxo93
5 жыл бұрын
Lmfao
@justwithisaiah
5 жыл бұрын
Yesss me at chipotle adding guacamole
@savannahbarrientos7212
5 жыл бұрын
I understand, completely
@jasminoliva4264
5 жыл бұрын
This comment is life 😂😂
@daniellawall5922
5 жыл бұрын
I payed $108 for a hair straightener. My hair is naturally straight
@KourttneyL
5 жыл бұрын
Daniella Wall same :(
@russianhotty88
5 жыл бұрын
Same I have seriously pin straight hair, but they really know how to convince you at those mall kiosks that you need one.
@clutterbugging
5 жыл бұрын
💀💀 well there's a way to get cute waves with a straightener if that helps
@oliviakaye7900
5 жыл бұрын
😂💀
@lo4873
5 жыл бұрын
Oh my God I've done this too
@cait.
5 жыл бұрын
One of my most current “bad financial decisions” is buying lunch everyday I work (Mon-Fri). I usually spend $10 a day which means I’m spending $200 a month JUST on lunch because I’m too lazy to make my own.... and it’s making me fat 🤦🏼♀️
@babylxn9795
5 жыл бұрын
LMAO I FEEL IT
@bfleming8592
5 жыл бұрын
An easy lunch is store cooked rotisserie chicken/meat substitute and steam-able frozen vegetables or taking leftovers for dinner. I will boil pasta while I'm running late, dump sauce from a jar, and frozen precooked meatballs together and take a still frozen vegetable package.
@TheSUPERHAPPY1
5 жыл бұрын
Caitlin Smith Cheap Lazy Vegan has some easy meal prep videos!
@dariusdennis5165
5 жыл бұрын
Dude. I spend $5 on breakfast, $10 on lunch, and usually buy dinner on my way home from work. I have a problem.
@kattyalltop3496
5 жыл бұрын
Caitlin Smith I used to do that too plus 5 extra dollars for Red Bull. I worked Overnights.
@readandrant
5 жыл бұрын
Thanks for NOT bullshitting on the rental price you paid for your previous place in LA. I like how upfront you are on talking about these mistakes you've made! It's great advice for people who are young and don't know what to do with their finances!
@aimeifang4880
5 жыл бұрын
Tracy Low i’m ur one thousandth like :))
@courtneymaries.1236
5 жыл бұрын
I walked into a sports store to get socks and bought skis.
@carolellamuch9571
5 жыл бұрын
Courtney Marie S.😂😂😂😂😂
@jenshu7
5 жыл бұрын
Omg hilarious
@markusmeijer9942
5 жыл бұрын
Courtney Marie S. Similar thing happened to me, I went into Costco looking for Halloween candy and ended up walking out with a recliner chair 😂
@adamnaughty
4 жыл бұрын
I go grocery to buy eggs n I end up with 30 things more
@juratchet
4 жыл бұрын
A mood
@amandarandolph42
5 жыл бұрын
Do a follow up video on big purchases in your 20's that you don't regret! Like any investments, Invisalign, stuff like that
@71stl3m6
5 жыл бұрын
Yes please! I would love to watch that as well!
@themigueltuga
5 жыл бұрын
Yes!
@ashleygrosso5068
5 жыл бұрын
Yes!!!! 🙂
@ArtsyCupcake
5 жыл бұрын
I would love a video on this too! 💜😀
@andreanicole9730
5 жыл бұрын
Yes please!
@BrianVelez
5 жыл бұрын
I financed a 20k car while making 17k a year.😥
@marginelouis6674
5 жыл бұрын
Noooooo dude!
@vanessamariemars3254
5 жыл бұрын
BROhahahshhs big ooof
@Lily-ro1br
5 жыл бұрын
money well spent
@rebeka4887
5 жыл бұрын
@@Lily-ro1br spill the tea sis 😂😂
@GloomBloomGroove
5 жыл бұрын
dayuuum how did you even get approved for that haha
@persephonesaura
5 жыл бұрын
my dumbest financial mistake was buying food every time i’m stressed about school
@persephonesaura
5 жыл бұрын
which is everyday
@IsabellaCollester
5 жыл бұрын
i used to do this
@TaffyDChanny
5 жыл бұрын
Omg so relatable
@roziie6160
5 жыл бұрын
BIG same. i bought pizza earlier today because i was stressing. then later on on my way home when i could’ve just gotten a drink at home i stopped to buy a drink, and ice cream. then around dinner i didn’t want to make food, so i ordered food and delivery is always like 6$ more, but im like let’s do delivery.🤦🏻♀️ food takes up sm money😭😂
@bianca9750
5 жыл бұрын
That’s kinda sounds fun
@rociorosales6367
5 жыл бұрын
My $30 gym membership I’ve paid for the entire year and I’ve only been there twice...
@khristinabee
4 жыл бұрын
I FORGOT I WAS PAYING FOR GYM MEMBERSHIP until it hit my bank account this month and my account went $1 over and the bank charged me $29. I can't even get to the gym to answer the phone... 🤯🤯🤯
@cuauhtemocmorisco3493
4 жыл бұрын
😂😂😂
@LC-js1ze
5 жыл бұрын
my whole life is a financial mistake tbh
@scsarah8669
5 жыл бұрын
Olivia Cluff hahaha that’s relatable
@chevyk
5 жыл бұрын
Olivia Cluff mood
@ambernicolle
5 жыл бұрын
MOOD AF
@alexisnevarez879
5 жыл бұрын
WHAT A MOOD....
@sandrailic3251
5 жыл бұрын
PHAHAHAH
@ginellehughes633
5 жыл бұрын
Honestly, I’m not good at much. BUT one thing I think I can brag about is how good I’ve always been with my money. I left home independent at 17. (I DONT recommend that, unless you were in a situation like mine and you need out!) I bought a car outright (not a brand new one, but definitely nicer than most peoples first car!) every penny I made I saved and budgeted. Now being 21 I just got approved for a mortgage and still will have my long term savings account. My only advice is SAVE SAVE SAVE! Know the difference between a “want” vs “need” Love from Canada ❤️
@DISCL0SE
5 жыл бұрын
Ginelle Hughes that’s amazing. Good job, be proud of yourself!!!
@nh8559
5 жыл бұрын
any tips for a rookie??
@ginellehughes633
5 жыл бұрын
Jasmine Alexa thank you that’s so sweet💕
@ginellehughes633
5 жыл бұрын
N H oh boy, so many haha! Instead of a crazy long typed reply try these things: If you KZitem Jordan Page she has some budgeting videos which are super helpful for beginners! 2. the book “The Weather Barber” is FULL of really great ideas you’ll actually be able to apply in life and is an easy read. 3. Cash diets and knowing the difference between want and need! Good luck❤️
@anushay1874
5 жыл бұрын
Good on you! It's hard being so independent at this young age when everyone around me's parents still pay for literally everything. But I also pride myself in being so independent and knowing whatever I purchase and achieve will always be on me, I will never have to thank someone for it. Today was a big day, I got approved to have my credit card (independent not linked to someone else's, most kids my age will have one linked to their parents) and I opened my savings account!
@DrAdnan
5 жыл бұрын
Luckily I don’t have money to make bad purchases 😂
@pitita585
5 жыл бұрын
Adnan 😂 such positive perspective 😂
@taylorthompson2583
5 жыл бұрын
Fricken same 🤣
@xlajimex
5 жыл бұрын
Dead af😂😂😂😂😂😂
@alesarkissian4377
5 жыл бұрын
I know rightttt
@noviacyntia
4 жыл бұрын
LOL 🤣
@amandamcdonald4978
4 жыл бұрын
I spent over 500 dollars on sunglasses for my ex boyfriend who was cheating on me for 3 years. Not my proudest moment.
@cuauhtemocmorisco3493
4 жыл бұрын
God damn it i just bought myself some too and im too scarred to wear them. I don't want to scratch them😂😂😂
@calyl2415
5 жыл бұрын
Worst financial decision I made in my early 20’s was dating guys without jobs and then letting them “borrow” money from me. Found out I had a lot more money when I upped my standards 😆
@VictoriaMegan
5 жыл бұрын
Caly L factss
@alexisempleo3268
5 жыл бұрын
Biggest financial mistake I’ve made was choosing to attend a private university that’s about $50k a year instead of just going to a cheaper public college 😭😭 student debt for life
@SuperFashionistaxo
5 жыл бұрын
Alexis Empleo THIS
@kdrudolph1
5 жыл бұрын
Same!
@veliciahiley7652
5 жыл бұрын
Alexis Empleo You invested in yourself.
@karenelese5834
5 жыл бұрын
i felt this on a spiritual level! or going to an out of state instead of an in-state and saving money!
@bballfrogy
5 жыл бұрын
Check out Dave Ramsey to learn how to get rid of your debt the most efficient way!!!! He helped me and i know can help you too!!! Good luck!
@TheBudgetingWife
5 жыл бұрын
Love you sharing these things! My dumbest financial mistake was taking on $40,000 of student loans...
@steelrootztruthtalks3146
5 жыл бұрын
same.. worst mistake ever
@DaytonaHills
5 жыл бұрын
Same here in the uk. I graduated 2 years ago and owing now £42,000
@p3drogil
5 жыл бұрын
Hang in there ✊🏻
@selgomezfan1rcw
5 жыл бұрын
Same except mine is 60k but i feel ya. Bout to go to grad school next year cant wait for that to almost double
@samil4845
4 жыл бұрын
I agree 😅😅😅
@Kaitlyn121697
5 жыл бұрын
Buying $300 worth of textbooks my first semester of college that I never used 🙄
@ArtsyCupcake
5 жыл бұрын
I remember this happening to me too! 💜😀
@Novelust
5 жыл бұрын
Same, girl! Always see if you can get it cheaper from a previous student or rent it on Amazon for the semester
@basicbrooklyn7565
5 жыл бұрын
Or when they make you pay for a book at their book store because you “HAVE” to have a “special” online code which you never use 🤷🏽♀️
@buffycatnip
5 жыл бұрын
omg same! but thank god financial aid paid for all of my books!
@basicbrooklyn7565
5 жыл бұрын
Kylie Kay absolutely! Only wish that refund of the aid would be larger if we could buy my books anywhere but the campus bookstore 😬
@CaitlinBea
5 жыл бұрын
lol the LA rent... TOO REAL.
@goldenxdiva6562
5 жыл бұрын
Caitlin Bea y’all still got it made! Even with the extra expenses (car, gas, etc.). A 2bdrm in Manhattan, heck even in BK, can go for 5,000 and the apartments in NYC are half the size of LA. 😒
@aprilyoung7700
5 жыл бұрын
I really like how honest you are about money, its so refreshing and helps a lot of younger people out to get a grasp on things for the future
@majogarcia9385
4 жыл бұрын
I literally found out I’ve been watching twins instead of one person
@majogarcia9385
4 жыл бұрын
Part of this is because I just listen and don’t actually see the person talking
@KiaraMadisen
5 жыл бұрын
As a person who really cares about their money and is now trying to decide how I want to spend the money I’m making this was SO helpful!!! Lessons learned man 🙌🏼
@nataliebauer1915
5 жыл бұрын
Kiara Madisen love you kiara
@diamondgeek6102
5 жыл бұрын
I was just watching your apartment your before this lol
@KiwiCakeful
5 жыл бұрын
I dropped a $600 class right after the refund date because my teacher was an idiot and I should have listened to my gut earlier to dropped it sooner.
@SaharaAP
5 жыл бұрын
KiwiCakeful yes I should of listened to my gut also the second time around. I had a crappy ethics teacher and I should of left the first day he try to have an attitude with me 😒. I payed out of pocket for that class too 😭
@maekate9925
5 жыл бұрын
Ugh I bought myself a $350 HANDMADE MERMAID TAIL BLANKET FROM ETSY a few years ago and it’s not even comfortable!! Also just why did I even do that!!! It makes me mad every time I see it😂
@alyanasss
5 жыл бұрын
Girl for that price, it better came with an actual mermaid!
@danielleury1211
5 жыл бұрын
I died laughing at this. Thanks for that 😂
@elise8559
5 жыл бұрын
Wow you really need to sell it! Especially if it makes you get eveytime you see it, it s like the reminder of your mistake! You don t need that!! Donate or sell it
@ztezmaxim2683
5 жыл бұрын
Sell it on etsy for $400
@bluejoycheewah980
5 жыл бұрын
😂😂😂😂😂
@andrea-vb8ls
5 жыл бұрын
I'm only 19 and still in college and honestly I'm so grateful that a good chunk of these mistakes I already know and would never do. not in a braggy or trashy way I"m just genuinely grateful - but I also learned what to look out for with a few of these. this type of vid is great 👍🏼👍🏼
@allsmithify
5 жыл бұрын
Yes, when I was 20 my boyfriend of a year convinced me into buying a house that he had no money for. I had a good chunk of money saved since I had been working a lot prior to this because I was set to return to school to finish my bachelors. I was dumb and in love and I put in the down payment bought a washer and dryer etc. and we moved in. Long story short, we lived there for 3 years and my boyfriend could not handle finances and would lie and tell me he paid things when he didn't, he worked a seasonal job, and I was constantly working and trying to keep us afloat and eventually had to drop out of school. After many arguments, shut off notices, and empty and broken promises from him I broke up with him, It's been 2 years but choosing to live at the house was a major blow to my finances and credit and I'm still trying to remedy it. If I could see my 20 year old self now I'd punch her in the face.
@ArtsyCupcake
5 жыл бұрын
Oh no! Glad you are through that! 💜😀
@allsmithify
5 жыл бұрын
Thanks me too, it was definitely a hard lesson learned!
@shutyourfaceup6166
5 жыл бұрын
@@allsmithify Can you rent out the house?
@iwishiwasfreefalling
5 жыл бұрын
Online shopping is my worst financial enemy. But I'm getting better hahaha
@Fousmom
5 жыл бұрын
Girl sign up with Ebates! You get cashback for every online purchase you make and they partner with THOUSANDS of places. And they pay out your cashback quarterly :)
@jesuschavez769
5 жыл бұрын
I bought myself a gift card when I was 10 bc no one had gotten me one and I wanted to have a card in my wallet.
@izabelalodangco5714
5 жыл бұрын
'i wanted to have a card in my wallet'----THIS!! I used to ask my mom for her expired credit cards and keep it in my wallet just so the card slots had something in them LOL
@jesuschavez769
5 жыл бұрын
@@izabelalodangco5714 😂😂
@alondramartinez8136
5 жыл бұрын
Me too
@MonicaChurch
5 жыл бұрын
LOL I love that
@MonicaChurch
5 жыл бұрын
hahahaha
@karlea97
5 жыл бұрын
damn this really opens your eyes to how much youtubers make😅 goals
@coolboba172
5 жыл бұрын
You couldnt tell how much youtubers make from looking at ricegum or jakepaul
@themango9644
5 жыл бұрын
Lol you'd be surprised
@jenshu7
5 жыл бұрын
Monica is very successful it's probably very hard and lots of luck involved to get to that point
@doggydude4123
4 жыл бұрын
Most YTbers make very little. Only like the top 1% even could make a decent living off YT. Also, it's a lot of work when you look at the hours editing and filming B footage and coming up with new ideas. We are very fortunate the majority do it because they love it and not for money. There's so much good content out there on YT that I stop watching garbage TV.
@kiwizlucks4947
4 жыл бұрын
Van Tsan I forgot about tv
@kristenmccoy9345
5 жыл бұрын
My husband & I were engaged for over a year waiting on our wedding date to roll around. I refused to move in with him until after we were married. I spent probably $30K in rent & utilities that year living alone on my moral high ground. Married for 4 years now, expecting a baby & wishing I had that $30K back! Lol
@user-ll9zq6ml6x
5 жыл бұрын
no you made the right decision. You should never put money over morals ......
@bingaling5
5 жыл бұрын
I did the same I even lived in the same apt complex as my then boyfriend, but wish I would have just lived with him and saved more. So dumb
@ivydeliz
5 жыл бұрын
I think you feel dumb in retrospect because it worked out, but if it hadn't then you would've been like "PHEW! dodged that bullet! totally worth it". I did the same thing in California for the same reasons - i guess it was *before* we got engaged but still.
@Kissmycrown
5 жыл бұрын
You made the right decision to wait until marriage don’t feel bad God is going to bless you for that
@lalaland2199
5 жыл бұрын
Idk how people wouldn't live together while ENGAGED before marriage. The most important thing is how well you guys actually live together not the morality. But if you still believe in that 1950s tradition then go ahead
@EmilyRyann
5 жыл бұрын
Growing up is a constant learning experience! All you can do is learn from your mistakes and keep moving forward.🤷🏼♀️
@cisstar8647
5 жыл бұрын
2ydgva gf is a uh s IB wa as they xxv ydv646r63435255q5
@R1_R
5 жыл бұрын
any fool can learn from their mistake but a wise man learn from others mistake.
@sabrina.natalie
5 жыл бұрын
Truthfully, my dumb/irresponsible financial mistakes are a result of impulse buying. I am such an emotional spender. It’s horrible. If I’m having a difficult day, stressed out, or having an argument with my boyfriend, or had a rough day at work, etc-I realize that I’ll do some online shopping, or purchase a $6 cup of Starbucks coffee, or go see a movie-and although those things provide temporary satisfaction, put a smile on my face, and provide some distraction from the overwhelming situation I may be going through-I’ve learned that ultimately my impulse buying and emotional spending adds up and now I’m left without money that I could have added to my savings account, instead of buying things I didn’t need.
@DopestArista
5 жыл бұрын
Currently meeee
@lowwarraw
5 жыл бұрын
You just need to work out or go running when your stressed go to a park on a walk
@shannond5598
5 жыл бұрын
I do this too unfortunately
@Toccata.
5 жыл бұрын
Same, I work at a very high volume animal hospital. I’m not vet just a kennel assistant but It’s can be very stressful at times, and one of the ways I de-stress is online shopping.
@rebeccaabrams3079
5 жыл бұрын
Leah same! I’m a vet assistant/receptionist and working with sick animals and stressful clients all day is exhausting. I end up buying clothes online which is stupid because I literally only ever wear scrubs
@brietutten879
5 жыл бұрын
My dog saved my financial life. I used to be down right horrible with my money. I was living alone and once paying my rent, id blow the rest online shopping for clothes and whatnot to distract from the sadness and boredom that I felt being alone. One day I decided to adopt a dog cause I’d finally had enough of being lonely. Immediately I started saving all of my money once I got her. The fear of something happening to her and not being able to cover medical bills or expenses, and possibly losing her because of that was (and still is) terrifying. Its a huge motivator for me to save and be frugal because I have another living thing depending on me. I also love to spoil her so it’s imperative that I budget a “doggy allowance” along with my savings. I’ve found that having someone or something counting on you is the biggest kick in the ass you’ll ever receive to be responsible with your money.
@Hdjhrhdhryrhgrifhur
5 жыл бұрын
4300 a month ... my mouth dropped! I have a mortgage for a 4300 sq ft house near Vancouver and only pay 2500 a month. Those LA prices are crazy 😱
@krux3759
5 жыл бұрын
signing up for too many "1 month free then you pay $100/year" type of services then forgetting to cancel -_-
@MonicaChurch
5 жыл бұрын
please comment below some of the dumb purchases that you've made and learned from! I'd love to hear.
@dope20194612
5 жыл бұрын
I ordered clothes (4 pieces to be exact) from Australia for 200 euros and it was free shipping, so I thought that was it and waited happily.... until today. The delivery man asked for an after reception for custom clearance and stuff which apparantly costs the half of the amount I paid for the clothes. Also, if I asked for a refund I still would have to pay a 100 euros to ship it back to Australia. So obviously I'm gonna have to get a 100 euros from somewhere, pay these extra shits and accept the mistake I've made of being soo dumb. I know that I was the stupid one, but I really didn't know that I'm gonna have to pay so much more. I wouldn't have purchased them obviously. And here I am now, sitting in my chair w my broke ass. :)))
@parkerburgio
5 жыл бұрын
I impulsively ordered a used Gucci belt online without checking for authenticity. Needless to say it was fake and I never got my money back 😂
@yeehawtomahawk
5 жыл бұрын
Monica Church hunter rainboots. They don't even fit me. They just sit in their box in my parents' garage
@TarynnH
5 жыл бұрын
I dated a professional poker player and lost ~$1k learning poker in a casino so we could hang out while he was working. 🙃 But yeah that apartment thing is so true. I went from $1500/month to $275/month (cheaper city and splitting with bf) and I funneled all the extra money into my savings/401k. It’s such a great feeling!
@AndreaRoddel
5 жыл бұрын
ubering everywhereeeee
@HeavenBooze
5 жыл бұрын
$750 for a flight 😳 the D must’ve was bomb cuz I am not dropping that on a guy lls
@martinc.720
5 жыл бұрын
Its Mamaacitaa “must’ve was” You probably should have dropped a few dollars on school.
@emmabevilacqua3424
5 жыл бұрын
Lmao
@palesatalks6629
4 жыл бұрын
@@martinc.720 seriously 🙄🙄
@cuauhtemocmorisco3493
4 жыл бұрын
@@martinc.720 😂😂😂
@caseyc.8827
5 жыл бұрын
My mom overheard me watching this and said "she's smart!"
@MonicaChurch
5 жыл бұрын
lol! thanks mom :)
@ArtsyCupcake
5 жыл бұрын
Truth! Smart girl! 💜😀
@kmuinde
5 жыл бұрын
Lol
@nicolehaleybrown
5 жыл бұрын
$4,300 on rent a month... HOLY SHIT. I pay $455 and split rent haha!
@nataliea9929
5 жыл бұрын
Paying for ipsy $10 a month for products I don’t even use....
@kermitface
5 жыл бұрын
FashionByNatalia just cleaned out all my makeup. 95% of my Ipsy products went in the trash. I hate red lipstick and black eyeliner and all they kept sending me was red lipstick and black eyeliner.
@707Bubby
5 жыл бұрын
oh yeah thats me too. Its only $10 a month, but also considering I am not a big makeup person I probably could be saving that $10 and just buying the products I want and then having the rest go towards saving for other things. But also I just have not canceled it because I do feel like if I only spend $10 a month to "treat myself" then its not really THAT bad, and I also have not gone out and bought a mascara or really any other makeup product besides foundation in the 3 years since I started getting it, so MAYBE it is saving me a little money, and whenever im having a bad day I always have a random face mask lying around
@RushellKB
5 жыл бұрын
Oh yeah cancelled them QUICK!
@hibyelisa
5 жыл бұрын
I got ipsy for like 5 months and cancelled it quick... its trash, never sent any good products. Always sent me brushes and eyelash curlers even though i specifically wrote i dont need those.
@delaneyrose18
5 жыл бұрын
same they just sent me lip products i will never use
@imogencav1068
4 жыл бұрын
Bought a foundation $58 that doesn’t even match
@gideonboateng6471
4 жыл бұрын
That hurts😹
@ExactRealism
5 жыл бұрын
I loved how you talked about how much rent was in LA compared to how much you are paying now. I feel like no KZitemrs will say an actual number. Thanks for keeping it 100
@harpist.vanessa
5 жыл бұрын
You can also look on Zillow to know!
@SarahAndika
4 жыл бұрын
First time ever on this channel. I sort of went down a rabbit hole of these worst purchases videos and of all the youtubers I have watched, I have instantly subscribed. This is a genuine list of money mistakes that are relatable, like not paying fines on time or getting scammed for services rendered. It's not an annoying list of luxury items that youtubers fell out of love of and now hate but will continue to buy more of. This is actually a list showing someone who is learning to be better with money and being honest about it, and I really appreciate that. I have actually learned one or two things. Instant fan
@ShimmerEscape
5 жыл бұрын
I remember when beauty KZitem was a big thing it was ideal to have so much makeup, quantity over quality back then. And I collected so much drugstore makeup just to have a big collection and no I didn't use it all😂
@pinkfeet518
5 жыл бұрын
ShimmerEscape I did that too! seeing people with makeup CLOSETS omg I wanted that so bad
@Nanniehannie
5 жыл бұрын
Saaaaaaaammmmeee
@88ashjen
5 жыл бұрын
ShimmerEscape same! I’ve definitely stopped and now just enjoy watching makeup videos without feeling the need to buy anymore. Luckily I didn’t accumulate enough for a room but still it can get out of hand.
@amyconnell3210
5 жыл бұрын
omg yes!!! I had so much makeup that I didn’t even use. Now I just have my one makeup bag that I use everyday. I see now that it was so impractical to just buy a bunch of makeup that I never used.
@marilynntatiana
5 жыл бұрын
Same sis. Same. 😩🤦🏼♀️
@NessieJudge
5 жыл бұрын
This was so helpful! thanks gurl, I feel the same way about my money and the luxury I deserve.
@emileegoddard3855
5 жыл бұрын
bought a $26,000 car at the age of 18.... so been having a $400 car payment since then! im 20 now, working full time and going to school full time. not fun at all :')
@nesss.7084
5 жыл бұрын
Emilee Goddard omg! Car payments are a trap. I’m still in search for a used car
@JB-fq7wl
5 жыл бұрын
Plus people dont think about the insurance it costs!
@swill922
5 жыл бұрын
You should be able to refinance lower your monthly payment and interest rate. Go to local credit union
@thalia955
5 жыл бұрын
I had a coworker who did the same thing when she turned 18. She had a windfall of money so $400/mo didn't sound bad at the time...but then she went on cruises and treated everyone she knew and just like that the money was gone. When she first told me her car payment, my jaw hit the floor lol
@OMazzing
5 жыл бұрын
Omg I did the same. Definitely not as high of a payment but it is something I learned the hard way. My dumbass wanted that car so bad. 😂 it’s still my baby though
@livsawkwardlife4829
5 жыл бұрын
Being in your 20's is for making bad financial decisions, and learning from them. Thanks for sharing!
@cynthiaolivares9366
5 жыл бұрын
spending each paycheck after its payday..... and then living off a certain amount for 2 weeks.... LOL
@cul22
5 жыл бұрын
Cynthia Olivares same
@MrMlbfan6
5 жыл бұрын
Cynthia Olivares i was doing this until I got a second job and then handle my shit
@myrlinedelva
5 жыл бұрын
hahaha yes same!
@atenasmendoza9727
5 жыл бұрын
I felt this 😭
@brittanyh2923
5 жыл бұрын
Lol I felt this comment in my soul.
@brooklynnleslie984
4 жыл бұрын
i love how honestly and maturely you talk about your life experiences! makes me feel like making mistakes is okay. Thank you
@Kirbykfed89
5 жыл бұрын
The first mistake that comes to mind for me is when I spent $150 a week on a personal trainer! THAT'S $600 A MONTH!!!
@MonicaChurch
5 жыл бұрын
Dang that is expensive! Hopefully you learned some good skills for working out and could eventually just do it on your own!
@Kirbykfed89
5 жыл бұрын
@@MonicaChurch Definitely did. I canceled the membership and do it at home... when I can. Lol
@nesss.7084
5 жыл бұрын
I paid $132 every other week and got great tips and techniques out of it so I let him go. Lol
@ArtsyCupcake
5 жыл бұрын
That is a LOT for fitness!!
@joshedwards8985
4 жыл бұрын
“i never pay my tickets on time.” hey. just don’t get tickets. and get a good 2 go pass to save 2$ and then you never have to remember to pay.
@LifeOfCandice
5 жыл бұрын
Oh my gosh! You shouted me out! Thanks girl!! ❤️ I'm glad you were able to take my comment in a positive light ❤️ I've ran up credit cards in the past. I'm still working on credit my back together but thankfully I've learned from my lesson!
@mollybarry7227
5 жыл бұрын
buying a $140 dollars for a graphing calculator when i was taking geometry 🔫
@almalozano7785
5 жыл бұрын
I rented a school book for $10 and forgot to return it so consequently I ended up paying $100 in fines 👌🏽 Mind you this books was less than 60 pages so...
@MonicaChurch
5 жыл бұрын
Oh noooo 🤦🏼♀️🤦🏼♀️
@HookedOnBooks199
5 жыл бұрын
I thought $38 was bad when I didn't return a short loan book to my university library on time! But yeah, library fees are a little ridiculous when it's easy to just remember and return it haha
@adri1879
5 жыл бұрын
Omg this reminded me to send my rental book!!
@moneyforthewin7951
4 жыл бұрын
Hi Monica. I know this video is over a year old but I saw a portion of it at Shelby Church (OH! your sister?) and came here to watch it completely. I'm sure you've gotten a lot of support since then, but I simply wanted to say my heart goes out to you. I encourage you to refrain from calling yourself "dumb," "stupid," or an "idiot"... the subconscious mind can be susceptible to such negative, repetitive thoughts and come to believe it. I'm sure being tough on yourself is a big contributor to your success and I recommend continuing your attempts to improve upon your self-defeating habits through positive, truthful and compassionate affirmations.
@Stormaggedonx
5 жыл бұрын
Give me a minute while I recover from hearing how much rent you were paying in LA. I ... I can’t believe ... rent is that much I just can’t
@MonicaChurch
5 жыл бұрын
I know.. seriously I look back now and its insane!
@bd8962
5 жыл бұрын
Yeahhh... I pay 3.5k for a one bedroom house in Orange County lmaoooo
@lizmeows
5 жыл бұрын
It’s worse in SF lmaooo #bayareaproblems
@tlunceford77
5 жыл бұрын
It worse in San Francisco. Look up those prices
@707Bubby
5 жыл бұрын
Lol I met someone traveling and he told me "I have never met anyone who has lived in San Francisco for more than 6 months"
@TheRoneZone
5 жыл бұрын
Bought myself a BMW 3-series when I turned 26 cause I was going through a quarter life crisis, lol. I don't regret it though, that thing's my baby. But I would be $50,000 richer if I didn't.
@mintchocolat1
5 жыл бұрын
This was exactly the video I needed. I’ve been feeling terrible about some financial decisions and needed a reminder that lots of people in their 20s make the same mistakes. Thank you for uploading this!
@EleanorWhalley
5 жыл бұрын
It’s so refreshing to hear a youtuber talk about money because it’s such a foreign topic. People can say “oh you wouldn’t ask a doctor or a cleaner how much they get paid so it’s rude to ask a youtuber” but you can easily find out how much they get paid. It’s quite obvious that youtube brings in big money but youtubers these days act casually and “relatable” when they move into huge mansions. It’s something that needs to be talked about more. Hats off to you monica 👏🏻
@xfrutiecutie96x
5 жыл бұрын
I respect all the transparency in this video! Thank you!
@danisaurtaylor3758
5 жыл бұрын
I go to Starbucks way to much when I could very well just make coffee at home
@jessicagarduno5481
5 жыл бұрын
Biggest mistake! Still haven’t learned!😸🤦🏻♀️ and having the app doesn’t help too!🤣
@eighthwonder71
5 жыл бұрын
Starbucks has been making complete asses out of our stupidity for years. I wish I had thought of it.
@doggydude4123
4 жыл бұрын
To me, it's similar to going to a bar. Drinks are marked up extremely high but people treated as a fun event or an escape from work.
@MrsDavis913
5 жыл бұрын
I’ve made a lot of bad financial decisions in my 20s but here is one I regret the most: not putting money in retirement. If you haven’t done it, start TODAY. You’ll be so grateful you did.
@ArtsyCupcake
5 жыл бұрын
Yes! So true and I am so happy my 401k has been going strong all these years! 💜😀
@andrewsmall6568
5 жыл бұрын
This even effects you in your 30`s because you need to pay SO much more in to make up for doing nothing in your 20`s.
@SVUx3
5 жыл бұрын
Dealerships don't make money off of the interest on your loan, the bank you are financing through does. The reason for this is that they are taking on the risk of purchasing the vehicle for you. Yes, dealers make money but they make money other ways. So how do dealers make money off of financing? There's something called reserve that the financing bank will pay to the dealer for essentially securing the loan for them, like a kickback. The customer who is purchasing the vehicle does not pay for that in any way whatsoever. Source: 7 years in the car business.
@MonikaLukunde
5 жыл бұрын
a reserve is like a commission for securing the loan then?
@therealmelissarae
5 жыл бұрын
THANK YOU!!!!
@Ruby-hw1qr
5 жыл бұрын
A lot of the time you can get loans through a dealership - not the bank. The dealership itself doesn’t physically have $30000 (or whatever amount) to loan, it has a car to put up for loan. So they’re making cash from the interest for trusting that you will pay the money back.
@investedfemelle7564
5 жыл бұрын
Umm honda and toyota etc, have their own financing
@rantstips9231
4 жыл бұрын
In house financing, plus you only go external if for some reason you cant get approved at the dealership, Then they go through your bank -- Still making money off interest. Either way the dealership or the bank is screwing you. source::- 20yrs in the car business - I suggest buy from craigslist or from other people. Unless you get 1.5% interest or no interest APR
@kiley1217
5 жыл бұрын
Bought AirPods, lost them 5 days later, bought another pair😬
@nesss.7084
5 жыл бұрын
kiley LOL
@lowwarraw
5 жыл бұрын
You know you can Bluetooth locate your AirPods? From the find my phone app
@kd-fo2lv
5 жыл бұрын
lorwaraw now it's even more money waste buying new ones haha
@marilynntatiana
5 жыл бұрын
Same. Actually on my third pair 🤷🏼♀️
@techblogger8323
5 жыл бұрын
Lorwaraw that thing doesn’t work for shit literally I can’t believe Apple did is so dirty I mean like look at them of course they’re easy to lose
@vickibartolome4936
4 жыл бұрын
David dobrik is probably smart considering he doesn’t buy designer and since he only wears the same black clothes like everyday.
@carlykogut9327
5 жыл бұрын
i appreciate that you're a youtube who's actually honest about your lifestyle and finances, and you manage to stay so humble
@brigittehubbell1200
5 жыл бұрын
Getting into $20,000 in debt at 23 years old. And no, there’s no student loans in that. (I did pay for school out of pocket.) only $9,000 is from my car. The rest is credit card debt. They are cut up now and being paid off but it’s pretty stressful.
@Lalalaitsme
5 жыл бұрын
Brigitte Hubbell Go to your bank and tell them you want to consolidated your credit cards into one, it will be a low interest card and you will be able to pay it faster. They will move everything for u. It will be worth it. Get informed, it’s their job to help you. Debt can be very stressful but there are options just have to go to the right places.
@BeingCaroline
5 жыл бұрын
I can relate
@MsLizzy981
5 жыл бұрын
Thanks for being so honest in this video! It's so much easier to relate to and I love watching videos like this.
@maggieclanton8260
5 жыл бұрын
I just love how real you are. You’re the first KZitem that I feel I can relate to. I LOVED your heartbreak video and a year later update. Those videos were really inspiring and I learned a lot from them. I’m in my mid twenties and I’ve bought dumb shit too. I feel really guilty after I blow money but this makes me feel like I’m not alone and it’s okay to make mistakes. So thank you!! Keep up the good work!
@lindsey5365
5 жыл бұрын
What the heck?? $300 for a haircut?? over $4,000 for a 2 bedroom?? I'm used to the southwest where the 2 bedroom is around $980 to $1,000 and the most a haircut/style/color is around $190. I'd be broke before walking out the front door if I lived in LA. So glad I don't and I have a lot of money saved since I was 16. The most financial mistake I made when I was in my 20s was tickets and of course wasting money on clothes!!!!!
@kevinschultz6091
3 жыл бұрын
Re: interior design - I'm lucky in that I have a close relative (my sister) who is a professional designer - both by nature (she has excellent personal style), training (she has an Business/Art degree) and job (she's been a corporate graphic designer person for 20+ years). Whenever anyone in our family gets a new house or wants to decorate a room, we call her up and ask her for a consult. She's almost inevitably happy do so so, as she actively enjoys stuff like this. The main benefit, to be honest, is that she knows the PROCESS for interior design: ie, "OK, you've got floors, cabinetry, walls, and furniture. You've also got flow patterns throughout the room. Here are the 5 things to look for for each. Here are the stores to go to, and the professionals to talk to. Start with Home Depot to see if the cheap stuff suits your needs (or to just get a sense of what's the baseline), but if necessary go to the specialty stores. I'm free next Sunday for 3 hours. See you then." it also helps that she's got a photographic memory for color. (Like "Oh, yeah - this hardwood matches the color of your wall in the morning, but will probably look 2 shades darker when placed next to the sofa you got 8 years ago and will likely be sitting next to the lamp with the full-spectrum bulb" kind of conversations.)
@elizabethkailany1653
5 жыл бұрын
Charging up all my credit cards and racking up some debt was my worst financial decision. Still paying for it... with interest... a ton of interest 😢
@maggieclanton8260
5 жыл бұрын
I know this is an old video but I’ve been watching your videos lately and I feel like you do such a great job expressing yourself and the issues mid 20 year olds go through. I can relate to all of your videos and they are all so helpful!
@lindsaycarpluk7264
5 жыл бұрын
Thank you for this video it made me feel a lot better that I'm not the only idiot out there hahaha. After 5 months of living and traveling abroad very frugally I came back to the US and decided to go on spring break. I spent $2000 on this trip to a resort in Punta Cana that was really sketchy and got totally scammed, along with like 400 people from my school. I ended up spending more money for a 5 day trip than 3 months living in Europe. Another dumb financial mistake I made was when I was going 23 over the speed limit and the ticket cost $680 and I had to get a lawyer for $400. That shit hurted lmao. Thanks for letting me vent
@lindsaycarpluk7264
5 жыл бұрын
Katrina Rector Virginia.. it was reckless but yeah I know how insane..
@rainbowl0veee
5 жыл бұрын
I live in MD.. I was driving 30 over the speed limit and got a $600 ticket as well. I had just turned 21 at the time and it was my very first ticket EVER. I was devastated😩 Now I never go past the posted speed limit in fear of another ticket
@sarahnoelle3151
5 жыл бұрын
a month ago i got a speeding ticket that’s $400 and i haven’t paid it yet but now every time i drive i’m afraid of cars that are on the side of the road with their emergency lights on because i always think they’re a cop
@Emilyjadeofficial
5 жыл бұрын
Speeding tickets are probably the absolute worst. I haven’t received one yet, but I speed 20-30km/h over the speed limit on a highway in my city, and I’m just waiting for it at this point...
@DonnaDoveWinters
5 жыл бұрын
That sounds like the Fyre festival
@ariannatzovaras899
4 жыл бұрын
I impulse bought a Louis Vuitton bag and then the next week my car needed to be fixed 😩
@thirteenwolfies
4 жыл бұрын
Arianna Tzovaras what did you do and how did you pay for the fixing of your car??
@khristinamagdaleno7343
5 жыл бұрын
My problem when it come to my financial situation is that I will not hesitate to spend it on other ppl no matter the cost if I have it, but when it comes to buying something I want or need I always talk myself out of it. I need to get better on that. Thanks for the vid. -khristina
@katelynns2039
5 жыл бұрын
khristina magdaleno I’m the exact same way!!
@basicbrooklyn7565
5 жыл бұрын
Same
@aicha9889
5 жыл бұрын
I landed my very first 'real' job at 19 and to earn that much money compared to what I had as a student was a incredible big responsibility for me, especially because I come from a home with not much at all. So the first few months I was really reckless with the money I had. So now I realise I should really save money instead of spending it on things I don't need
@jenny_g23
5 жыл бұрын
You paid a ticket right away?? Heck yeah, dude ♡ I'm so proud
@ArtsyCupcake
5 жыл бұрын
lol
@keniajortiz
5 жыл бұрын
I am the exact same way with the whole ignoring tickets and fees. I used to work in downtown San Diego as a social worker (so my pay was sh*t basically) and my employer deducted $60 a month to park at a parking structure that was 2 blocks away from my job. Me, running late like aways, I opted to park at a meter like 2-3 times a week and pay out of my own pocket just because I was running late . Worst part is, sometimes I would forget to pay my meter and i got charged $42 every time for paying late. Even worse, I would like forget about those tickets (or more so my anxiety made me pretend like they didn’t exist) and my fees went from $42 to sometimes $170. It makes me cringe thinking I was like this, however, I’ve smartened up this past year. Oh, same thing with library book fees, and also one time I went to San Francisco, my Golden Gate Bridge toll fee that was $5 turned into $70 🤷🏻♀️.
@PreeGirlSwagPro
5 жыл бұрын
even when you talk about how much cheaper things are in seattle, those prices are still high to me! It’s so crazy the differences across the country. I literally pay $80 to get my hair colored, cut, washed, & styled. Rent for typical apartments are 600-1000 being the highest & nicest. So crazy!!
@IntoAlysReef
5 жыл бұрын
erica and where is that??
@PreeGirlSwagPro
5 жыл бұрын
i live in kentucky!
@IntoAlysReef
5 жыл бұрын
erica ohhh dam it’s cheap over there
@eggtart52
5 жыл бұрын
Not a lot of people are willing to be vulnerable and put their mistakes out there, but we're all human and it's absolutely refreshing to see that we all make mistakes and learn from them.
@caseyyem
5 жыл бұрын
This was super helpful. I just turned 21 almost 2 months ago, and am definitely finding it hard to be an adult living on my own and making financial decisions, so this really helps!!
@nikkineal6431
5 жыл бұрын
I got a Victoria secret credit card at 17 with a $500 limit and bought $500 worth of stuff I didn’t need. I wore everything until it fell apart but everything was done after four years. The yoga pants definitely didn’t last that long. Only a sweater lasted the four years. I started buying good quality things from REI about five years ago and that stuff still feels new. I love it.
@liz93gym
5 жыл бұрын
I spent my school refund on a trip to vegas instead of putting it back towards my loan
@leklekjasmine416
5 жыл бұрын
No regrets lol
@themango9644
5 жыл бұрын
Was vegas nice tho?
@AdventuresWithNickle
5 жыл бұрын
THANK YOU FOR BEING SO HONEST. My gosh it is so frustrating watching videos of people walking around a topic.
@nfhope8
5 жыл бұрын
*my biggest regret was buying a 1€ lip balm bc i felt broke after. lol*
@dema640
5 жыл бұрын
Miss Cute SHAWN 🖤🖤
@Ariellapowers
5 жыл бұрын
My accounting professor always said the finance department makes the most amount of money at car dealerships. That’s why they offer such financing plans, and warranties, it all comes for a price. If you pay cash out right you save so much money. Also, don’t buy a house if you plan on selling within a few years. When you pay your mortgage you pay more interest at first. Say your payment is 1000 per month. 800 will be interest and 200 will be principal. You could buy a $300,000 house and after 3 years still owe 290,000. It’s just not a good idea, and a thing people don’t often realize.
@katiegentile4231
5 жыл бұрын
My husband, his parents and I went to a dealership just to look and ended up leaving with a car in my husbands (then boyfriend and 18 year old) name. He didn’t have a job, didn’t have credit, and yet we left with a brand new car? I told him not to sign the papers but his parents told him to. It ended up getting repossessed and were still paying for it. Side note: I highly recommend everyone who reads this to go watch Dave Ramsey’s videos on here and purchase his books about finances.
@danielleury1211
5 жыл бұрын
Katie And Paul Uh, shame on the parents for not guiding him a little better in that situation? You’d think they’d know it’s a bad idea....
@sarahandjoe1764
5 жыл бұрын
My boyfriend is basically in the same boat. His step dad cosigned his knowing he didn't have a good job.
@angelaventura5491
5 жыл бұрын
Been watching your videos but this specific one made me decide to subscribe. Very honest but not bragging. Direct but not to disrespect. More power! 😊
@lonnie1620
5 жыл бұрын
2,5000 for rent ? I don’t even make that much a month 😂😂
@krypton0255
4 жыл бұрын
ALONDRA Carrillo $2,500 a month, $30,000 a year
@707Bubby
5 жыл бұрын
I saw something recently that said "$100 is basically 1 adult dollar" and that is sooo true. Its depressing when you think about how little a million dollars is while also knowing that you (well at least ME) will probably never have that amount in your bank account.
@lilcuty1492
5 жыл бұрын
So since Monica was paying 2300$/month, and she said it was below her means (less than 30%) that means she made at least 7500$ per month and at least 90 000$ a year, but more likely well over 100 000$. I wonder if she's making more or less now. Hopefully it's more.
@monicamusicmakeup
5 жыл бұрын
how was she making so much
@KayGee_yt
5 жыл бұрын
Every time I get my nails done, say "I want it just like this picture" and then it comes out nothing like the picture
@mignonduplessis7394
5 жыл бұрын
1. Buying single clothing items, like not as an outfit or that can match with multiple pieces also buying too many secret socks i have like 10 pairs 2. Lunch food. 3. Buying what I want but don't need when I have things I actually need 4. Netflix, I ended my subscription but they kept taking money out my account... FoR 3 yEaRS...so I went back into my account canceled my subscription again ANd TheY CharGed DOubLe...so we ended up canceling my card
@Loganm0213
5 жыл бұрын
Honestly it’s so refreshing to see someone our age acknowledge that these things. We all make mistakes but the fact that you’re learning from them so young is awesome!! Keep saving girlfriend!
@nikkitube26
5 жыл бұрын
Mine isn't exactly a purchase but paying off my now ex boyfriends bills while we were dating. Long story short, we've been broken up for a year and a half and I still haven't seen a penny of the $2000+ he owes me.... and he's somehow married now, my guess is he had rent that was due and found a new girl dumb enough to commit to paying his bills for the rest of his life. Lol I'm actually not bitter, I'm doing much better without him, learned a good lesson and I honestly don't ever expect to see that money again.
@izabelalodangco5714
5 жыл бұрын
WHAT? How? I honestly want to hear more about this? Was it a joint bill--rent, utilities, and you just paid his part? Or his actual credit cards?
@MonicaChurch
5 жыл бұрын
That's crazy!!
@nikkitube26
5 жыл бұрын
Izabela Lodangco I could go on and on about it but I we shared an apartment so we were supposed to split rent and everything but he didn’t always get his half paid so I had to which quickly put him in debt after not paying for months at a time. He also had lawyer/court fees that he asked me to pay until he could, which never happened of course. If we went on dates, I paid. And even better, he would use my camera gear to get jobs and still ask me to rent the extra lenses and stuff with no compensation and rarely a thank you to me. It was an awesome “relationship” 🙃
@JB-fq7wl
5 жыл бұрын
@@nikkitube26 girl I feel you. I have an ex who was just like that. He even charged me $100 a week to get me to work down the street because I'm legaly blind and cant drive. Lol some guys are trash. We were together 5 years too lol
@izabelalodangco5714
5 жыл бұрын
I'm glad you're out of that relationship now!
@belkisniaz8230
5 жыл бұрын
I dont even have that much money to make dumb decisions #sadlife 😂
@DrMichellePonder
5 жыл бұрын
$300 for hair is still not reasonable...
@HF918
5 жыл бұрын
In LA it probably is. I couldnt imagine spending it myself...a cute, colour and style at my nice salon in Ontario is $100 tops.
@myonlybeauty
5 жыл бұрын
MissSnowWhat all these things are dependent on your income
@kgentile
5 жыл бұрын
Depending on the area it is. At any nice salon near me a cut + color is $250-350.
@bigcitygirl17
5 жыл бұрын
Exactly! Half of the expenses mentioned in this video were extremely unnecessary and irresponsible.
@julia-hh3cv
5 жыл бұрын
I pay around 30-50€ where i live
@xeniahaberditz5472
5 жыл бұрын
My biggest financial mistake was to get scammed in Bangkok. Be really carefull around those old central temples folks !! A guy organised a tuk tuk for us and it took us around some weird, turist-less places. At last, we ended up in a suit shop. When we entered it, I had a strange feeling but I thought "hey it is gonna be fine". We were talked into buying a taylored suit and a blazer for 250 USD... in the end we still got the clothes and they are good quality, but the way it was all set up gives me still a bad aftertaste. We were young, uninformed about tourist scams and not firm enough to say "no thank you"....
@ShimmerEscape
5 жыл бұрын
I spend way too much on food, where I live we have so many options and it's so hard to resist😭
@laurennichole161
5 жыл бұрын
I forgot to pay a 0.75 cent highway toll and 1 year later after having forgot about this I got a letter in the mail that my license was suspended and I owed $275 + and additional fee to reinstate my license.... SO irresponsible. I feel you Monica.
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