Living A Frugal Lifestyle
I remember before I really knew what money was or how to obtain it, I used to watch beauty Youtube videos and want every little thing that they had. I'd see their beauty rooms full of thousands of dollars of makeup and feel like I needed that too. The beauty community surrounding Youtube has just gotten to be more extreme, where they now have millions of dollars of products and Gucci everything. I could see how a lot of people would be easily influenced to believe that's what they need too, because that was me once too.
There was a moment where my views on money switched. I was fifteen working jobs and spending basically every penny I made. I didn't really think much about saving, which probably had to do with never really being taught how or why it was important. I remember I made that switch in my mind when I started a new job at age 18 and realized I wanted to save up my money to get through college and pay my way as I go. So I started saving aggressively and while I've hit a few financial bumps down the road where saving wasn't always an option- I've learned more about money and objects throughout that process than I could've any other way. The first thing I learned was that I really didn't miss the things I was buying before. I also learned that the easiest way to save money is by being tempted to buy something and then sending that money straight into savings once the temptation was gone. I probably saved the majority of my paychecks just by doing that.
Living a frugal lifestyle doesn't really have to be a lifestyle where you never buy luxurious things either, the way I see it is, I want the things I spend my money on to mean something to me. I don't want to waste my money on things just for the sake of buying things. I have the problem a lot where I'll be talking about something I kind of want but can't afford and my dad will just be like, "Well why can't you just throw it on your credit card then?" because he genuinely doesn't understand what I do and why I resist buying things when I could just throw anything on credit cards. I'll never understand him and he'll never understand me, probably. But that's okay.
I've looked into budgeting a lot and I've tried helping the people around me budget but I've realized that it's super personal to what you like to spend your money on. I'm currently typing from a Macbook Air and some people would think that's a stupid purchase, while I might think spending your money on clothing every week is wasting it- to each their own, really. I had a few financial hits last year which led me into a little bit of debt while finishing up my associates degree and I've looked into specific strict budgeting and I've made rules for myself. The budget that worked best for me was 30/50/20, which is where 30% of your paycheck goes towards spending, 50% towards bills, and 20% towards savings. I currently don't have bills besides school and credit cards, so that's automatically where my 50% of my paychecks have been going and it works really well.
If you're looking into budgeting and wanting to live a frugal lifestyle, do whatever works for you while still allowing you to live a good lifestyle where you can save a bit. You don't have to follow what anyone else is doing because their expenses will not be the same as yours and that's okay. Some people are perfectly happy with living on next to nothing but a lot of us haven't been accustomed to that. Living within your means but still being happy is really all that it's about.