By: Delaney Lalor
Saving money can sometimes feel pointless in the moment. You’ll think to yourself, “It’s only a $6 coffee, how is that going to help me if I save it for the future?” Trust me. I’ve been there. (okay, I still am, shh don’t tell anyone). So let’s talk about how we can steer away from this mindset. Is it true that $6 won’t buy you a car, or a house, or pay off student debt, yes. But here’s the secret: $6 every day might not seem like much, but over a year? That’s almost $2,200, just from skipping tiny, “meh” purchases. Crazy, right? Let’s chat about how to shift your mindset, make smarter choices, and start turning those little daily spends into real wins for your future!
1. Organize Your Spending
The first step to saving is understanding your spending. Track your expenses for each month. Once you can see right in front of you where your money is going, it’s way easier to cut down on the unnecessary purchases, and prioritize what matters. For example, (Gas: $30, Savings Account: $50, etc.) If you’re saving up for a big trip, breakdown when you’ll need the money by, and how much you’ll need to save each month up until then. Spring break is coming up quickly ladies! You can of course adjust this based on your own income and personal goals.
2. Shop Smart, Not Less
You don’t need to skip cute clothes or beauty products, you just need to shop strategically. Look for sales, use student or loyalty discounts, and check online resale platforms. Depop and Curtsy are great examples of this. Make sure not to get scammed and be aware of what you’re buying. It’s important to make sure the price isn’t “too good to be true!”
3. Limit Impulse Spending
With this money planning, there is little room for impulse spending. Trust me, I love a good haul, or a trendy clothing item, but sometimes paying $138 for a crewneck with three letters on it isn’t worth draining your bank account (ifykyk). If that works with your income with no damage, CONGRATS you’ve reached my end of the year goal that I WILL be achieving.
4. Prioritize Your Goals
That brings me to my next point. Having super high goals for yourself is extremely important. Having the drive to actually accomplish them is even more important! You can truly do anything you put your mind to. Set your goals, a time to achieve them by, and reward yourself when you do!
5. Balance Is Key
Saving money as a girl is about balance. It’s about making conscious choices that let you enjoy life today while preparing for a secure, stress-free tomorrow. With these tips, you can feel empowered, stylish, and financially smart all at once. Sometimes, a new outfit, accessory, or pair of shoes isn’t just about stuff, it’s about expressing yourself, your style, and your mood. That’s extremely valid!
Quick Tips:
-> DO NOT shop at night even if you’re “just looking” (my bank account hates to see a charge at 2am coming)
-> ALWAYS check for student discounts (try Student Beans, it’s free!) https://www.studentbeans.com/us
-> NEVER spend more than what you have (don’t get caught up in credit card debt!)
-> ESTABLISH strong goals for yourself
-> BELIEVE in yourself, you WILL be successful
Retail therapy is REAL. Just be smart about it. Don’t let anyone stop you from being who you want to be. Happy shopping :)
2026 is for locking in. Start taking control.