How I Live Well on a Budget Without Feeling Deprived | DIY Hair & Everyday Money Habits — Transcript

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1. 0:00Hello everyone, welcome back to my
2. 0:02channel and welcome to a new vlog.
3. 0:04Today, I thought I would just take you
4. 0:06through a day where I share all of the
5. 0:09things that I try and do to be
6. 0:11intentional with money, how I save
7. 0:13money,
8. 0:14different tips and tricks that I've
9. 0:16learned over the years. If you're new
10. 0:18here, I love sharing real life and real
11. 0:20numbers, life in my 40s. I have this
12. 0:23mindset of let's save with purpose,
13. 0:26let's also spend with joy, and I love to
14. 0:29share that here. So, if that's content
15. 0:31you're interested in, don't forget to
16. 0:33subscribe, and let's jump right into the
17. 0:35vlog. Budgeting is the number one way.
18. 0:38Having a plan for your money helps you
19. 0:41so much stay accountable, be able to put
20. 0:43money into areas that you actually
21. 0:46value. When you sit down and you plan
22. 0:48where your money's going to go, it just
23. 0:50creates so much more, and I think the
24. 0:53ultimate intention around money. I use a
25. 0:55digital spreadsheet. I will link it in
26. 0:57my description box. It's just one that I
27. 0:59purchased on Etsy, and I really enjoy
28. 1:01it. I budget in a zero-based budget way,
29. 1:03which means every single month before
30. 1:05the month starts, I look at our
31. 1:06projected income, I do all of our bills
32. 1:09out of that income, all of our expenses
33. 1:11out of that income, and then I do my
34. 1:14savings, so my sinking funds, which are
35. 1:17basically small little pockets of money
36. 1:19that go towards larger categories, like
37. 1:22travel, sports, home, Christmas, things
38. 1:26like that that I know we're going to
39. 1:28spend in, and are areas that we value.
40. 1:30And then whatever's left over, long-term
41. 1:32savings and investing. It's really
42. 1:34intentionally kind of walking through
43. 1:36each of those areas, and then being left
44. 1:39with zero, and then
45. 1:41throughout the month, that's the plan
46. 1:43that I made. I really, really try and
47. 1:45stick to that. I do leave a little bit
48. 1:47of a buffer just in case, because
49. 1:49sometimes bills are higher than I
50. 1:50expected, sometimes I do a little bit
51. 1:53extra spending, so I need to make sure
52. 1:56that I'm not going into debt. Just
53. 1:58creates change in so many different
54. 2:00areas because when you're stressed about
55. 2:02money, that shows up in your marriage,
56. 2:05in your relationship with your children,
57. 2:07friendships. You're always on edge. I've
58. 2:09been there. That's why I'm definitely
59. 2:12um, you know, preaching to the choir,
60. 2:15but it's it's really it's just
61. 2:19it really does change your perspective
62. 2:22in in so many different areas. Sinking
63. 2:25funds are amazing because it gives you
64. 2:27the flexibility and freedom to still
65. 2:30spend money cuz this is life and I am
66. 2:33definitely not the person that wants to
67. 2:35hold on to everything. I want to, yes,
68. 2:38hold on to some, but I also want to
69. 2:40enjoy and spend time with my family and
70. 2:42make memories and create a beautiful
71. 2:44home and do all these things. And I do
72. 2:47believe that both can exist together.
73. 2:50Sinking funds are a great way to do that
74. 2:53without going into debt or feeling the
75. 2:55pressure of where am I going to find
76. 2:58this money. Starting with this morning,
77. 3:00I am about to log in and track our
78. 3:04finances. This is something that I do
79. 3:07every single morning. It takes me 5
80. 3:09minutes. I go through our bank accounts,
81. 3:13our visas, make sure that I'm tracking
82. 3:16everything in our budget. This just
83. 3:18helps me stay accountable. It helps me
84. 3:20know, I'm going to know exactly how much
85. 3:23I have left for our groceries, gas,
86. 3:26everything like that. And if I need to
87. 3:28make adjustments, then I make
88. 3:29adjustments. So, this is definitely
89. 3:32something that I do that really does
90. 3:34help me
91. 3:35stay on track. And I've shared this
92. 3:37before, but I am coming from a place of
93. 3:41I knew nothing about money, how to
94. 3:44manage it, how to save it. Most of my
95. 3:47younger adult years were spent literally
96. 3:50my checks would come in and my checks
97. 3:53would go out. [laughter] Money for so
98. 3:54long for me was very complicated. Like I
99. 3:57felt overwhelming and I just like
100. 3:58wouldn't look at our accounts. I
101. 4:00wouldn't check in. I wouldn't know
102. 4:01what's going on and it just felt too
103. 4:04much for me and I really had to learn
104. 4:06and like simplify money and that's what
105. 4:09I love to share. At this point in my
106. 4:11morning, that is what I'm going to do.
107. 4:12I'm going to go in and I'm going to
108. 4:14track see how everything is looking in
109. 4:17the budget. Have my laptop here.
110. 4:19Yesterday I was looking
111. 4:22Maybe if I knew my password, that would
112. 4:23help. I was looking at it yesterday and
113. 4:25it looked great. I was getting a little
114. 4:28bit close on the grocery budget. So I
115. 4:30need to be mindful of that. I'm just
116. 4:32about to head to Costco. I'm filming a
117. 4:34weekend reset video that will be out
118. 4:37after this one. So I'm in that video I'm
119. 4:39going to be sharing a Costco run because
120. 4:42I do try and get to Costco once every
121. 4:44couple of months just to stock up.
122. 4:47So I need to be mindful while I'm in
123. 4:48Costco and try to not spend
124. 4:52a million dollars, which we all know is
125. 4:54very difficult in Costco. But yeah, so
126. 4:57that is what I'm going to do. I'm just
127. 4:58going to go through and track everything
128. 5:01and see how everything is shaping up.
129. 5:04And yeah, I'll just pop in throughout
130. 5:05the day and share like in the moment
131. 5:08simple ways that I really try and create
132. 5:10intention around money, ways that I save
133. 5:14all little tips and tricks like that. In
134. 5:16the car and I'm heading to pick up
135. 5:18something from Facebook Marketplace. I
136. 5:20purchased these two end tables for my
137. 5:22son's room, $80, which is I think a
138. 5:26steal of a deal for two end tables. They
139. 5:29look like they're in really good
140. 5:30condition. Once I pick them up, I will
141. 5:32let you know. Another way that I just
142. 5:34try and be intentional with money and
143. 5:37save where I can is shopping second
144. 5:39hand. I love thrifting. I love Facebook
145. 5:42Marketplace. We have gotten some
146. 5:45beautiful things over the years by doing
147. 5:49second hand shopping. My favorite thing
148. 5:51of all is getting those things that I
149. 5:53would have paid
150. 5:55double, even triple on. Getting those
151. 5:57items second hand
152. 5:59is like my favorite thing ever. I feel
153. 6:01so happy and I I've learned this about
154. 6:04myself. I
155. 6:06I do I do love to be
156. 6:10frugal and I love to be frugal in these
157. 6:12areas of my life because I do love to
158. 6:17enjoy my life in the other areas like
159. 6:19traveling, experiences. I love being
160. 6:21able to go to a concerts and doing
161. 6:25little weekends away, you know, at our
162. 6:27favorite places, traveling. I love to
163. 6:30save on these things so that I can put
164. 6:33that money towards those other things
165. 6:35and I think it's really important to to
166. 6:38like figure out what your values are. I
167. 6:40know for so long I didn't really know
168. 6:44this about myself. I think it takes like
169. 6:45self discovery and and trial and error
170. 6:48too. Like when I would purchase things,
171. 6:52you know, that maybe weren't in line
172. 6:53with my values, the feeling that I would
173. 6:55get after, I think that really told me
174. 6:57that this isn't really an area that you
175. 7:01want to spend in and that's okay. So, I
176. 7:05think learning learning that about
177. 7:07yourself and obviously your partner,
178. 7:08your family, like what are the things
179. 7:10that we value and are we willing to say
180. 7:12no or look for ways to be more cost
181. 7:16effective and frugal to then be able to
182. 7:19say yes to those other things. I think
183. 7:21it's like my favorite thing ever. Yeah,
184. 7:24so
185. 7:25with that said, I'm going to head now.
186. 7:27It's about a 25 minute drive, so I'm
187. 7:30going to listen to some music, enjoy a
188. 7:32country drive. It's all backroads it
189. 7:34looks like and we're going to go pick up
190. 7:36these end tables [music]
191. 7:38and I'm excited.
192. 7:39>> Hello to Mona.
193. 7:43I can't [music] shake this empty feeling
194. 7:45[singing]
195. 7:47behind the ghost.
196. 7:50We stand [singing] on the opposite
197. 7:53shore.
198. 7:54Hello, Mona.
199. 7:56>> [music]
200. 7:58>> I reach through misty
201. 8:01>> [music]
202. 8:01>> My only hope.
203. 8:05I look [music] for the things I don't
204. 8:08know.
205. 8:11>> [music]
206. 8:20[music]
207. 8:23>> For all in this,
208. 8:26I stand alone.
209. 8:28>> Love how the tables turned out. I can't
210. 8:30believe the just the pristine condition
211. 8:34of them. So beautiful. And just goes to
212. 8:38show you
213. 8:39saving money on these everyday things.
214. 8:42Actually, I wanted to look up how much I
215. 8:44saved. Can't find them on the Canadian
216. 8:46site, but they're $129 USD on the
217. 8:49American site. So,
218. 8:52I saved a lot of money considering I got
219. 8:54both for $80. So, that was a steal of a
220. 8:57deal.
221. 8:58And while I was out cuz I was in a
222. 9:01different town, as I'm driving by the
223. 9:02thrift store, I'm like, I should pop in
224. 9:04and see if I can find anything. And I
225. 9:07did. So excited. I found these perfect
226. 9:10condition almost like a pinky lilac for
227. 9:13my daughter Converse. They were $6.99
228. 9:16and I had a 20% off coupon. So, I saved
229. 9:20some additional money on top of that.
230. 9:22They are her size. They're perfect. And
231. 9:24she actually mentioned to me a little
232. 9:26while ago that she wanted a new pair of
233. 9:28Converse. Her current shoes that she's
234. 9:31worn throughout the school year are like
235. 9:33they're trash. They're done. She's given
236. 9:36them a good run for their money, so she
237. 9:38needed a new pair, and that's what I try
238. 9:40and do when I shop second hand and
239. 9:42thrift is think about things that we
240. 9:46need or that I would need to replace
241. 9:48anyway. If I see something, I grab it,
242. 9:51especially when it comes to the kids
243. 9:53because they grow out of things so
244. 9:54quickly. They burn through things really
245. 9:56quickly. So, it was a win today. I feel
246. 9:58like I did really, really well. I got
247. 10:00things that I needed and I didn't have
248. 10:03to
249. 10:05definitely saved a ton of money. I can't
250. 10:08wait for her to get home from school so
251. 10:09I can share those with her.
252. 10:11But, yes, so that is all on second hand
253. 10:13shopping. Now, I am sitting here on my
254. 10:16front porch. It is the most gorgeous
255. 10:18summer day, even though it's not
256. 10:20technically summer yet.
257. 10:23It's like there's this breeze, sunny,
258. 10:26the sky is blue. It's so gorgeous, and I
259. 10:29decided to sit out here and do my meal
260. 10:31plan. And I think anyone that talks
261. 10:33about saving money, being intentional
262. 10:35with money, will mention meal planning
263. 10:37cuz it is such an amazing way to save
264. 10:40money. It takes the stress off of me. I
265. 10:42don't have to think about what I'm going
266. 10:44to make my family for dinner. I have
267. 10:47ingredients and plans for the week
268. 10:50ahead. What I like to do is go through
269. 10:52fridge, pantry, what do we have to use
270. 10:55up? I am not the person that like has a
271. 10:58ton of stock in my freezer, in my
272. 11:01fridge. It's just not something that I
273. 11:03do. I know that there's pros and cons to
274. 11:06it. It's just not something that I've
275. 11:08ever gotten into. I kind of just buy
276. 11:10what we need, and then if I do have some
277. 11:13extra room in my budget and something's
278. 11:14on sale, I will absolutely like buy an
279. 11:17extra pack of chicken breast or steaks
280. 11:19or whatever it is that I know we're
281. 11:21going to eventually eat, but I'm not
282. 11:23someone who has like tons of stock. It's
283. 11:25just Yeah, I just don't do that. So, I
284. 11:28like to go through my fridge and pantry.
285. 11:30What do we have? What do I need to use
286. 11:32up? And then I make meals around that.
287. 11:35And then once I do that, I just kind of
288. 11:38will make up some different meals. I
289. 11:40make a lot of the same things every
290. 11:42single week just because I've got two
291. 11:45two of my three kids are a little bit
292. 11:46picky, so I have them to think about.
293. 11:49And I just want everyone fed at the end
294. 11:52of the day. You have to let me know if
295. 11:53you relate to that. Like
296. 11:55I just want to make stuff that everyone
297. 11:57enjoys and everyone's fed and we can
298. 12:00just enjoy our evening. I don't want the
299. 12:01stress of having to like make something
300. 12:03separate or any of that. And that really
301. 12:05helps me just again create intention and
302. 12:08I'm not just buying a bunch of stuff.
303. 12:11And then A gets thrown out and B I had I
304. 12:15still don't know what I'm making. It's
305. 12:17just a plan of what's for dinner.
306. 12:20Another thing kind of two part to that
307. 12:23is I shop online. I do an online grocery
308. 12:26order. Pros and cons to that as well. I
309. 12:28know some people really enjoy grocery
310. 12:29shopping.
311. 12:30It's not my favorite thing to do. I
312. 12:32don't love it. I love going to Costco.
313. 12:35Like I love trying different grocery
314. 12:37stores like Trader Joe's. Like love
315. 12:39that.
316. 12:40But the physical act of going grocery
317. 12:43shopping every single week is very
318. 12:45daunting to me and I just I also find I
319. 12:49spend more money because I'll walk by an
320. 12:51end cap and I see something really
321. 12:53interesting and I'll grab it or
322. 12:56I don't know. Also when you I order
323. 12:58groceries online at home, I'm here at
324. 13:00home. I'm able to see what we have. If
325. 13:03I'm missing something, I can quickly go
326. 13:05look in the fridge or pantry and add to
327. 13:07my grocery list. So I'm going to spend
328. 13:09some time doing that right now and then
329. 13:11I will catch up with you a little bit
330. 13:13later cuz one thing I'm going to do
331. 13:14today is color my hair and a few of you
332. 13:17asked in a video that I shared a little
333. 13:20while ago where I mentioned that I do my
334. 13:22own hair that I share how I do it. So I
335. 13:25will include that in this video. Good
336. 13:27morning, everyone. It's the next day.
337. 13:29I'm about to color my hair. It's super
338. 13:32simple, and I just use a couple things.
339. 13:35So, we're going to do it together. I am
340. 13:37not a professional. It is so
341. 13:39cost-effective. I stocked up. Sally's
342. 13:42was having a deal. It was like buy one,
343. 13:45get one free. So, I bought a ton of what
344. 13:49I need,
345. 13:50and I keep it here in my drawer in my
346. 13:52bathroom, and it's ready for me when I
347. 13:54need to do it. Because I I'll show you.
348. 13:57I have
349. 13:59Can you see that my my silver sparkles?
350. 14:02>> [gasps]
351. 14:03>> It's come in pretty quickly since
352. 14:06turning 40. I had like a few odd ones,
353. 14:08and then they all just started coming
354. 14:10in. So, at this point in my life, I I do
355. 14:13want to color them. Maybe not forever,
356. 14:16but for right now, it is what I like to
357. 14:18do. So,
358. 14:20here's what I use. I bought one of these
359. 14:23bowls from Sally's. I think it was like
360. 14:25two or three dollars. I have this, and
361. 14:27then I have a color brush. Also from
362. 14:31Sally's. It was also a couple bucks. So,
363. 14:33I have this. And then in my little
364. 14:37handy-dandy dollar store organizer, I
365. 14:39have my hair color, which we'll go
366. 14:41through, developer, which you need to
367. 14:44develop the color, and then they gave me
368. 14:47this little gray magic that I also mix
369. 14:49in to my coloring as well. And then I
370. 14:51have an after color treatment that I put
371. 14:54in my hair once I'm done rinsing it out.
372. 14:57The color I use, which is closest to my
373. 14:59natural color, is dark natural brown.
374. 15:03It's the Ion Demi Permanent Hair Cream,
375. 15:07and it's 3N. So, I will show that to you
376. 15:11in case you want to like screenshot it
377. 15:13if you have similar hair color to me.
378. 15:14Covers really nicely. The biggest tip I
379. 15:17have, and this is what the lovely woman
380. 15:19at Sally's told me, is if you buy demi
381. 15:23it means it's not permanent. So, it just
382. 15:26kind of washes out over time. So,
383. 15:29instead of having like a growth line if
384. 15:31you don't match it cuz matching it
385. 15:33exactly is going to be a little bit
386. 15:35hard, but if it's not an exact match,
387. 15:38instead of having that harsh line as
388. 15:40your hair grows, it just naturally
389. 15:43fades.
390. 15:44So, it's awesome. In my container, I
391. 15:46have one of these hair dyes
392. 15:48with half a bottle of this 4-oz
393. 15:51developer. It's equal parts developer
394. 15:55and color, which makes it so simple. And
395. 15:57then I'm just going to mix it up. It's
396. 15:59actually kind of fun. Little bit of a
397. 16:01creative
398. 16:03creative time. And then once it's mixed,
399. 16:06I go ahead and add my gray magic. First,
400. 16:09I thought this gray magic was going to
401. 16:10be a powder. And that was very messy
402. 16:13because it's actually
403. 16:15like a liquid that comes out like that.
404. 16:18So, I was like opening it like you know,
405. 16:21I was opening a powder and it got
406. 16:23everywhere. So, I'm super careful now
407. 16:27when I take that out of the pack. And
408. 16:29then I just mix that in really
409. 16:31carefully. Once it's all mixed, it looks
410. 16:34like this. And I just part my hair.
411. 16:39I start with my roots cuz that's where I
412. 16:41want to deposit most of the color.
413. 16:44And I just paint it on. It's actually
414. 16:47very fun.
415. 16:49Get a podcast on.
416. 16:52Listen to something, watch a YouTube
417. 16:54video.
418. 16:57And just enjoy
419. 17:00some painting.
420. 17:01If you put some Vaseline along your
421. 17:04hairline, it helps with the color not
422. 17:06stick to your forehead and it does work.
423. 17:09So, I'm just going to be really, really
424. 17:10careful. I'm just
425. 17:12making sure I'm putting on like a good
426. 17:15amount
427. 17:16here.
428. 17:18And then I take like I go by I'd say
429. 17:22like an inch
430. 17:24an inch sections
431. 17:27and I just make sure I go all the way to
432. 17:31the end.
433. 17:33And then I just
434. 17:36color.
435. 17:38And I actually also forgot to put gloves
436. 17:41on. I'm usually a little bit more put
437. 17:42together when I do this, but I think
438. 17:45showing showing you guys is making me
439. 17:48forget a few things. We'll repeat that
440. 17:52all the way across
441. 17:55my head. Okay, put my gloves on.
442. 17:58Definitely want to wear gloves because
443. 18:01this stuff sticks to you.
444. 18:04Just trying to get like an even
445. 18:08There we go. This is where a lot of my
446. 18:09gray is.
447. 18:12A little extra here.
448. 18:27>> You are my sunshine [music] on a rainy
449. 18:30day.
450. 18:33You are the one who
451. 18:35takes my breath away.
452. 18:38In the vast skies of love,
453. 18:41I'm free
454. 18:44as [music] long as [singing] you're here
455. 18:47with me.
456. 18:53>> [music]
457. 18:53>> Now that I've gone all the way across my
458. 18:56head, I like to go in and do like a
459. 19:00really crisp clean
460. 19:04line all across here just to make sure I
461. 19:08got any little
462. 19:10stubborn ones.
463. 19:12I'll do that.
464. 19:17And then once I do that, I take a little
465. 19:19bit more and just
466. 19:22go like this.
467. 19:24Works for me.
468. 19:26And then
469. 19:31And then I take my hands and I just like
470. 19:33massage it into my roots.
471. 19:38Just to make sure that I've gotten
472. 19:41everything. If you have gray hair along
473. 19:43the bottom of your hair, it might be a
474. 19:45great idea to do exactly what I did at
475. 19:47the top underneath. Because the majority
476. 19:50of my grays are just in this region, I
477. 19:53really just focus on this part. I spent
478. 19:56about 5 minutes massaging all of this
479. 19:59color into my roots. I think I've gotten
480. 20:03it all. Now I do the rest of my hair.
481. 20:07And there's no
482. 20:09reason to my madness. I just will
483. 20:14kind of go by section. This is why
484. 20:16gloves are really important. And just
485. 20:19really massage the color throughout. I
486. 20:23don't have to worry too much. If you're
487. 20:26changing the color of your hair, then I
488. 20:28would definitely
489. 20:30maybe watch like a professional do it.
490. 20:33>> [laughter]
491. 20:33>> But if your hair is dark and you're if
492. 20:36you have like a really close match,
493. 20:39that's what I love about this method,
494. 20:41especially using the demi, is it just
495. 20:44slowly fades. And you do not see any
496. 20:47sort of line. The grays magically pop
497. 20:50back up, but it really does work well.
498. 20:55I'll also lift my hair and do some
499. 20:58underneath. Just Again, not really
500. 21:01covering grays, but more so just to
501. 21:04put the the on and just always massaging
502. 21:07after so it's not like clumpy. And if
503. 21:10your hair is longer than mine, you might
504. 21:12need more.
505. 21:15But this is enough for right now. But as
506. 21:18my hair grows, cuz I'm growing it back
507. 21:20out,
508. 21:24I'm probably going to have to
509. 21:28double this. And then once the color is
510. 21:30all on, I just do one one last massage.
511. 21:35I leave it on for a good 40 minutes. I
512. 21:38will just put it up
513. 21:41in a clip so that I can go about my
514. 21:45day.
515. 21:46And that's it. Like I said, I leave it
516. 21:48for 40 minutes.
517. 21:50And then I'll rinse it out and I'll show
518. 21:52you the final product. What I will do
519. 21:54right now is take
520. 21:58a little bit of lotion since I didn't
521. 22:01put Vaseline. Just go around my hairline
522. 22:04just to make sure that doesn't stain.
523. 22:06Make sure.
524. 22:17And take off that little bit. I'm going
525. 22:20to clean up and then wait the 40 minutes
526. 22:22and I'll show you what it looks like
527. 22:24when it's all done. Here's the finished
528. 22:26product. Look how shiny it is. Had that
529. 22:29gray patch, it's all gone. Yay!
530. 22:33And it just looks so healthy and shiny.
531. 22:38Like I said, it will just slowly fade
532. 22:40over time, wash out gradually. It's so
533. 22:43low maintenance, highly recommend it.
534. 22:46Not only does it save me a ton of money,
535. 22:49it also saves me a lot of time, which is
536. 22:53what I'm all about, too. So,
537. 22:55that is my little DIY at home hair
538. 22:59color. I hope you enjoyed coming along
539. 23:02with me on this different ways that I
540. 23:04save money and just create intention
541. 23:06around money. Hopefully I was able to
542. 23:08give you some inspiration and above all,
543. 23:11I hope you felt like you were hanging
544. 23:12out with a friend. Thank you so much for
545. 23:14watching and I can't wait to see you all
546. 23:17in my next one.
547. 23:18Bye everyone.