8 Things You're Definitely Spending WAY Too Money On Every Month
How much do you think you spend on nonessentials? On average, Americans spend nearly $18,000 a year on nonessentials. If that sounds like a lot of money, it's because it is. Over time seemingly small splurges, like $5 here and $7 there, add up.
The money you impulsively spend could be put to better use. Often, we don't recognize how much we're spending because it's easy to swipe your card and not think about your declining bank account. You may have to put in extra work to cut back, but it's possible when you identify the ways you're overspending.
1.Coffee
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Coffee gives most adults that boost of energy to help get them through the day. Buying a daily dose of caffeine can easily become a costly habit. The few dollars spent on that delicious latte can really add up without you taking any notice. Spending four dollars a day on coffee can add up to $28 dollars a week and that's $112 per month. By the end of the year, you could save $1,344 by cutting back on your coffee habits. Making your coffee at home in a travel mug is more cost-efficient than spending money at a coffeehouse to get your daily fix.
2.Food Delivery
Takeout is on the rise, especially with the addition of food delivery services. Research showed 47 percent of respondents feel they overspend on takeout and 52 percent are usually hit by guilt after doing so. Everyday there's a new app that will personally deliver your favorite eats to your door, but not without added fees. The convenience of takeout comes at a price. It might be better for your wallet to personally pick up your food to avoid any extra fees and to prepare homemade meals.
3.Ride Sharing
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Everybody's using ride sharing apps these days because it's so convenient and hassle-free, but frequent use of ride sharing apps can ruin your attempts at saving money. The amount of money you can save on transportation by using public transportation or driving your own car is astronomical.
4.Cable
These days, it's possible to stay in the know about trending shows and movies without even paying for cable. The options to replace your cable bill with a streaming bill continue to grow by the day. Most people don't watch every single channel in their cable package anyways. If you find yourself watching less and less cable, then it may be time to ditch it all together.
5.Subscription Services
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In the US, consumers subscribe to three subscription services on average and 34% of respondents plan on subscribing to more services within two years. Subscription services are popping up everywhere and it's tempting to sign-up for every single one that sparks your interest. When you sign-up, the rate seems like a steal because it's just $10 a month, but this adds up throughout the year. Sit down, and add up the annual amount you're paying for subscription services and it may surprise you. Oftentimes, we are subscribed to services we don't even use.
6.Buying Lunch
Making your lunch everyday will save you money and probably help you to eat healthier. Let's be honest, eating healthy can be more costly than eating cheap processed food. It's cheaper to make healthy food at home, so you don't have to buy an easily overpriced salad. Spending over $10 a day on lunch for five days of the week is $50 per week. You work hard for your money, there's no point in eating it away.
7.Gym Memberships
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It seems like there's a gym around every corner with a plethora of amenities and features. A gym membership is a great investment in your health and wellness, but do you need an expensive membership when you only use a few machines? Also, if you signed up for a gym membership during the new year and you haven't used it in months, then it might be time to cut your membership.
8.Dining Out
Americans spend an average of $209.38 on restaurants per month. Restaurants are the number one luxury Americans choose to splurge on. It's not because the food is simply amazing, it's also the social component. People like to get together Saturday nights with their friends and family and forget about their worries, but this can come at a cost. If you can limit your dining experiences, then you'll be sure to have more money by the end of the month. Think about hosting dinners at your home by cooking or having guests come together to have a potluck.
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Aaliyah Sydonie Williams is a lover of pomegranates, intimate concerts, fluffy socks and all things R&B. She's a founder of a college advice blog, Her Little Corner, where she dishes helpful advice for college students to slay their college experience. When Aaliyah isn't eating at Starbucks, she's studying for her courses in finance, discovering new spots in the city, and brushing up on her photography skills. Keep up with her at Aaliyah Williams (@aaliyahsydonie).
ItGirl 100 Honors Black Women Who Create Culture & Put On For Their Cities
As they say, create the change you want to see in this world, besties. That’s why xoNecole linked up with Hyundai for the inaugural ItGirl 100 List, a celebration of 100 Genzennial women who aren’t afraid to pull up their own seats to the table. Across regions and industries, these women embody the essence of discovering self-value through purpose, honey! They're fierce, they’re ultra-creative, and we know they make their cities proud.
VIEW THE FULL ITGIRL 100 LIST HERE.
Don’t forget to also check out the ItGirl Directory, featuring 50 Black-woman-owned marketing and branding agencies, photographers and videographers, publicists, and more.
THE ITGIRL MEMO
I. An ItGirl puts on for her city and masters her self-worth through purpose.
II. An ItGirl celebrates all the things that make her unique.
III. An ItGirl empowers others to become the best versions of themselves.
IV. An ItGirl leads by example, inspiring others through her actions and integrity.
V. An ItGirl paves the way for authenticity and diversity in all aspects of life.
VI. An ItGirl uses the power of her voice to advocate for positive change in the world.
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I Tried The Signature Facial, And It Wasn’t Your Average Facial
My skin has been on the struggle bus lately. Between intense dryness and occasional hormonal breakouts, I don’t know what my skin needs some days. It had been about two months since my last facial when Isabelle McLeod, a licensed esthetician, recommended that I try a signature facial. I have tried several facials that all claimed to be “life-changing.” However, the itinerary for this treatment was more than I ever expected. The facial includes microdermabrasion, dermaplaning, enzyme treatment, extractions, red light therapy, cryotherapy, and a mask. Its mission is to cater to your skin’s needs for the best results moving forward.
I had never seen a facial packed with so many steps and was skeptical about it providing “instant results.” Still, I had booked the appointment in hopes that I would somehow be proven wrong. The beauty world can be full of promises; sometimes, it’s hard to see past glamorized marketing. McLeod welcomed me in her stunning office with open arms. Her energy was graceful and warm. I immediately felt comfortable opening up about my skin struggles as she listened openly. Here are a few of the questions I asked her.
How Often Should You Really Get a Facial?
Affording a facial regularly is a privilege most of us would kill for. I like to look at facials like doctor's or dentist's appointments. Yes, you don’t have to go as often, but you should at least try to shoot for a few times a year. McLeod advocates booking a facial every four to eight weeks, depending on your skin needs. Mcleod says, “If you’re someone who has acne or hyperpigmentation, I typically recommend coming in every four weeks until we can get the skin balanced.”
Regular Facials Don’t Mean Less Care for the Skin.
Even if you get a luxe treatment like the signature facial, we must care for our skin. Having dry skin during the winter months has caused me to be diligent about my skin needs. I expressed this to McLeod as she educated me on the importance of being selective about my skincare products each season. “I am big on using hyaluronic acid; it penetrates the skin well and allows you to achieve the moisture you’re looking for,” says McLeod. She also suggested using the popular skincare product twice a day for those with dryer skin textures. I appreciated this since my skin is mostly dry at night and when I wake up.
Signature Facials Are a Good First Step to Balancing Your Skin.
The signature facial intrigues me because it is dedicated to targeting your skin's needs. I hoped it would combat my dryness and put my hormonal pimple in place. As my consultation with McLeod went further, I wondered if I would need to get the 90-minute facial every time. McLeod's answer was the relief I needed. “We recommend people do the signature facial the first time they come in because it’s consultative, we build a routine for you, and it creates a foundation for healthy skin,” says McLeod. Before I knew it, it was time for me to get cozy and take my first step to having a better relationship with my skin.
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The Signature Facial Process.
McLeod tackled my skin needs with microdermabrasion first. I felt cozy under a heated blanket as she purged all the build-up in my pores. As the treatment continued, she provided dermaplaning and a cooling enzyme treatment. Both proceeders put me in a deep sense of relaxation. I was nearly about to fall asleep until McLeod informed me it was time for extractions. At the time, I only had one hormonal pimple that needed to be evicted. McLeod proceeded to tackle my breakout and smaller ones I had around my chin and forehead area. The extractions were painful, but knowing she cleared my pores was satisfying.
Once the extractions were finished, my face was on the sensitive side. McLeod soothed my sensitivity by providing a treatment mask and a hot towel now and then. Something about the hot towel put my skin at rest. I relaxed again as she offered a red light treatment to erase unwelcome bumps. At this moment, the battle of the extractions was worth it, and I was excited about the result.
The Results Are Better Than You Think.
I have had my fair share of facials, and not all have been worth the time or the money. The signature facial is worth every penny! When I got up for McLeod’s facial setup, my skin was glowing with intense moisturization. I had some redness from the extraction process. My hormonal pimple had subsided as a result, which was more than enough to satisfy me. As I continued my day, my skin radiated as if I were reborn again. Finally, I found a talented esthetician who could target my hormonal acne and dryness.
My skin did become sensitive, just like McLeod had warned me, as the day turned into night. But hey! What’s beauty without a bit of pain? I made sure to be gentle with my skin by washing it with a calming face cleanser. I also avoided putting any harsh serums (not that it needed any). Opting for a simple hydrating moisturizer was enough to hold my skin for the night. If you want to reboot your skin, I highly recommend the signature facial.
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