 Guys, what's up? It's Kinsey and welcome back to my channel. If you guys are new here, be sure to subscribe So I've been thinking a lot about like good buys bad buys ways I really did a great job sending my money ways. I have just thrown my money away And I wanted to share them with you guys. I love watching these videos I think Monica church has done such a good job Lindsey Hughes does such a good job Whoever first made I'll try to figure it out because I know some probably First made this video if you guys know, please let me know and I'll link them down below I just thought it was such a good idea So I made a little cute list of my ipod pearl in the good notes app Love that thing of my best and my worst financial decisions in my 20s I'm only 22 to preface this but anyways, some of these are actual like purchases some of these are things that I did Like you know, you'll see what I mean if I can link to any of these I'll have them all linked down below, okay I'm gonna start off with the worst just to you know start off on a great foot I remember when I first moved to LA and my dad was like you to telling me and pretty much Molly He's like you really want to move into a furnished apartment We like don't put all the money on the furniture blah blah blah and of course I was like no dad I know what I want like I need my apartment to look good blah blah blah ended up spending all this money on like Ikea furniture and whatever and like yeah Maybe that isn't the most expensive But you end up buying stuff that you don't love and that you end up just Trashing and then on top of that you end up having to move it at the end It would have been so much smarter my first apartment or even like my first couple to just move into a furnished place Because I don't have to buy furniture that I don't like I don't have to like pay for movers in that sense I don't have to own all this stuff. You're more tied down when you own a lot of furniture, too So go to show your parents are pretty much always, right? Which is really annoying my first best decision that I ever made this one kind of goes without saying But I feel like my MacBook was such a good decision It's more specifically Apple has a part on their website where you can buy refurbished MacBooks One of my friends showed me this and so they actually they're guys and they don't have a They found the laptop that I have now for me and I saved like a lot of money I feel like most of us probably really need a MacBook depending on what you do for school and work Obviously, it's a big part of my job and my school because I'm an online school But more specifically the Apple refurbished part of the website because the laptop is perfectly fine And I ended up getting a better laptop than I would have probably been able to afford before For a cheaper price. So that is really good hack that I learned also I think just anything that Kind of invest more back into my career Because like I invest in a MacBook and then I'm able to like make a lot more money on the MacBook than the MacBook was worth Just kind of investing more in your career to like better your craft Better your service or your product your video or whatever that might be I think those have always been good lies with the camera. I'm filming on right now I'll link all my equipment down below if any of you guys are interested in that But I think that that was that's always a good buy because if it's really worth it It's really gonna up my quality or up whatever it might be. That's always worth it number two You guys are all gonna laugh at me for this one. So when I first got Coco, I Hired this dog trainer and I don't think it was necessary the dog trainers fault But I think I was definitely taken advantage of because I was young so I paid I Don't even I literally paid like well over a thousand dollars to the stupid dog trainer that would come to our house I like don't hate saying that But I don't think necessarily the issue. I mean yes That's extremely expensive for dog training and I thought this is gonna be like a really great thing Whatever had up in a good trainer and how to actually like you know really worked and part of that was like me not falling up on everything whatever I think it would have been worth it, but like everything that she learned I could have just taught her and The trainer ended up like I paid half up front and basically the trainer was like a little bit sketchy But she had really good reviews and the people I knew had used her But yeah, that was definitely a that was stupid buy because I could have just done so much better and Yeah, I mean Coco is like a great dog. She's definitely not the most trained dog in the world But yeah, that was a bad decision number two my curing. Okay. This has probably saved me so much money I mean do I get Starbucks out all the time? Absolutely. That is not a good idea. I'm aware, but I Think my cure I'm just thinking from the standpoint of like saving money and my most used thing I make like two cups of coffee or like I use my cure at least twice a day Whether it be for coffee or teas or whatever. I also love my espresso, but I'm just like not like equipped enough I don't know enough still about my espresso like intimidates me even though it shouldn't so I would say my cure Just because I've gotten so much use out of it. I use it every single day and it's just the best thing ever I actually just got the curing many. I don't know if you guys can see it back there, but I love that one It's really cute. It's really small if you guys are in a dorm room or like a smaller apartment you have a bunch of roommates I would recommend that one number three. Okay. I'm going to say postmates I'm not gonna say food delivery as a whole because I actually don't agree with that but Postmates. Oh my gosh the amount of fees postmates puts on food delivery is absurd you look at that app at any given day and like the other day I was trying to order something and that was going to be like $25 and then it was like 52 with fees like Unreal they put there. It's just like way more expensive than any other food delivery app I've ever used obviously postmates like the first one so I would always use that and I just Wasted so much money like okay. My next best buy would be Investment pieces. I know some of you guys are probably disagree with me, but I am Really one for buying one thing that is more expensive and nicer not always more expensive But just like a better quality item that I am buying 15 things to find it. Let's say you want this certain denim jacket Let's say this jacket is like $300 right and then you're like, okay I don't want to spend um that much money on a denim jacket Understandably so you go and you buy the cheaper version. So for me personally when I do that I will go find like a dupe something that's similar or whatever It still isn't exactly what I want and this is not for every single item These are just for like the investment pieces that are worth it to me and then I will go buy one That was not perfect. So I spend like a hot like let's say I spend $90 on that one Then I go buy another one that was not perfect then I go buy another one that was not perfect over time I end up spending more money in wasting more product Than if I were to just invest in that piece So I think for example like my gold hoops that I wear from Jennifer Fisher These hoops are like $300 obviously really expensive. I'm someone who I love clothes. I love products I love lifestyle stuff like example the Everettia crew neck I have so many of them now, but those are the perfect fit for me so comfortable great quality and they're like $80 a crew neck That's ridiculous. I know but I wear them all the time They're the most worn thing I have in my wardrobe 100% and on top of that I would buy crew next before and I just kept buying some that I didn't really like I didn't love them whatever then I would have spending more than $80. Does that make sense? So for me personally it's worth it to invest in Fewer quality pieces than it is to just go buy a bunch of other stuff. That's like not great, you know other worse financial Decision I've done would be to not invest. I like have barely invested at all I don't have to say this but I've been making money since I was like 16 like Above what like you would get when I was working at like a pizza shop before like I was making more money doing YouTube That I was making at like my normal high school jobs and stuff So at this point you would think I would have like you know made better financial decisions I'm like really started to invest in stuff and I really haven't that's something that I need to do And I feel like I've really missed out on it's like such a stupid thing that I haven't done So that's another bad financial decision five. Okay. This is a really good one Something that I really have feel like has been a really good financial decision would be buying vintage So if you guys have followed me you would know that recently a lot of the bags actually pretty much every single designer bag that I own I've either bought like vintage or I bought from like a resale shop And it's just always the better idea I know that this is probably very Unrelatable because not everyone in the world loves designer bags like bags are just something that I've really really really really love And I think if you work hard and it's like makes sense and it's okay Then like buy it if that's something that you like still don't agree with totally fine I don't want this video to be like crazy like even looking at this from like a standpoint of thrifting with like clothes and stuff But it is like way cheaper Which I also do on like Instagram's a lot on like Instagram accounts of a lot But I get these really great bags that are like way cheaper There's this one Instagram dreamy designer daydreamer designer. I'll link it online I'm like in the name right now. That's where my like little Dior saddlebag is the real real is really great I have like multiple bags from them I actually got another bag to from Lord Nordstrom. I'm the Lord Nordstrom last call So it's like a mix of thrifting and buying second hand. It's just like a better move It's better for the environment and it's less expensive So if you're just someone who like has a little more expensive taste just in the realm of like bags or whatever buying second hand I think just buying second hand for clothes as well. It's obviously a really good idea I love I have a few Instagram accounts that I follow that basically like thrift for you So it's like a depop and on an Instagram and I bought so many things from them that I love like cool Like crew next like vintage older like Super Bowl crew next and stuff like that Hi rent and LA now that I'm out of LA I will tell you guys what I was spending on my one bedroom not the place that I was just the not the place That I still have an LA that one actually my rent is way cheaper there So that's fine my rent when I have my one bedroom apartment in downtown, Los Angeles was to was $2,750 a month that is like more than what I'm paying in this townhouse obviously I'm in Texas, but like Dallas Mortgages are actually not Dallas like property like obviously Texas property is cheaper But it's not as cheap as it once was so I'm paying I paid more for my one bedroom apartment that I'm now paying to own a Two bedroom two and a half bath to car garage with a rooftop townhouse in Dallas Which obviously part of that surprise you're gonna pay for living in LA That's just like how it is and then second I lived in like a really really bougie apartment I could have done it so much cheaper like I had crazy security It was so nice it was beautiful and it was so much fun like it was really really great Also keep in mind I work from home so like part of that as an office, but like still so So expensive like that is throwing money down the drain next one My Amazon Prime account is like one of another best purchase I've ever made I prime things every single day guys I really honestly don't think I do I have Amazon Prime boxes shut my house every day I don't even run errands I literally just order everything on Amazon Prime because most of the time it's cheaper on Amazon I'm not paying for Delivery so that is just something I've had for forever I'm gonna use my parents in high school and like you know I got kicked off that account and not have my own it is definitely one of the best financial decisions I've ever made because Obviously no delivery and then the second thing would be saving time like if I'm working out there or something Let's say like I don't really want to run to the store and I don't need it that urgent I'll just order on Amazon and I also save money because it's typically cheaper on Amazon My next worst would be not budgeting. I still to this day don't budget like that is in it's like embarrassing They literally have to figure something out. It's really ridiculous. So that's another bad decision Okay, so the next best decision you guys will not be surprised But it is my air fryer. Oh my gosh guys the air fryer was the best decision ever because I cook I think you can maybe see back there and it probably not um I Cook so much more now that I have an air fryer I love cooking like it's actually like one of my favorite things to do But I make salmon all the time I'm healthier because of my air fryer and I cook more because of my air fryer and it's just overall better my air fryer was Hands down best purchase of last year going into like my entire 20s Okay, so another bad decision was I feel like I would just meant so much money on food I know everyone in their mother has but just spending So much money on food always. I don't even want to like look and find out I mean, I actually know because I've tracked it Disturbing so I think just spending so much money on food out because cooking is like one I really find hobby into healthier better overall. I love cooking But I'm also like I love like the experience of going out and eating with friends I think that's important But I think just on days when like I for sure Which is like by myself and I could have for sure just made food at home And I ordered or I went out and I grabbed something like you know what I'm saying if it wasn't like a social event There's just like no need. Okay. My other best decision that I ever made was I went to a very inexpensive college So I moved to LA a little bit earlier so that I can get in-state so my school was like $1,000 a year for my first two years and then even after that my schooling was is Well, it went down a little bit because I don't have the site fee anymore. I don't actually know what it is exactly this semester It's just cheaper than what I was paying. I think overall my entire college Career was like under $25,000 total Which in comparison of people who are spending $50,000 a year like that's really inexpensive I have no student loans I have no debt because I chose to go to a cheaper school. I didn't choose to do that for financial reasons That's just like where I wanted to go But I feel like I really lucked out in that sense because now that I'm older I feel like if I wanted to go to like a big whatever four-year like huge university is like super expensive I would have just done it sounds really stubborn. I wouldn't have listened to my parents being like, oh, there's so many student loans Whatever now that I'm older and I'm seeing all my friends be affected by student loans I'm like, oh my god I'm so grateful that my school is so much cheaper because I literally cannot be an imagine Getting out of school like you're it's just like it sounds like I can't imagine because it sounds so awful But I was able to like pay all that because it was not as expensive Obviously that amount of money is a lot of money But in comparison to how much a lot of other schools cost like I feel like that was a good decision I think overall another bad decision. I've made is just not comparing prices as much I grew up in Texas gas prices were not that expensive So and they still aren't like literally right now. It's under $2. God bless, but um, I didn't really like check gas prices all the time because They were just all pretty cheap and then I moved to LA and I kind of carried on the same habit And I feel like that's kind of like translated into other things where I'm just lazy and then at one time I literally spent 550 a gallon on gas and then I realized okay I'm gonna start checking gas prices, but literally awful But I feel like just in general I could research a little bit more before I buy something and Get a cheaper price elsewhere when it comes down to what I feel like I've just been lazy and I'm like Oh, I just have to pay it so I'm gonna pay it When that isn't the case, you know another good decision. I've made was diversifying my income So I have like multiple income streams I can make an entire video on that but like from YouTube to podcasts to like commission to Merge to whatever whatever else it may be like sponsorships ads even on YouTube There's like four or five different branches But I've been able to diversify my income which not only do you make like can you like triple your income in a year? but There's just sudden sudden there's steady streams coming out all different times rather than just like relying on one like Source of income so that was a good decision another bad decision I've made is subscription services And I mean the subscription services that you're signed up for that you just keep forgetting to close and like cancel your cows You just keep paying every single month Like I have now learned to set them up to my PayPal because I'll notice quicker on my PayPal and I get notifications to my phone But like there's so many things and I'm like I didn't even know I was paying that because it was so cheap But those things add up, you know So I think just subscription services that I didn't really even think about always bad There's apps to that will tell you I don't know what apps if you guys do comment down below There's apps that will like tell you the subscription services that you're paying for and stuff, but yeah, it's not good Okay, my last actual good financial decision. This may be I'd be one that you guys don't agree with but my door-dash pass I pay $10 a month for free unlimited deliveries and that has saved me so much time Especially in moving like not that I want to be ordering food out all the time But like life happens so when I moved I didn't want to like buy groceries. So it's gonna leave or whatever And one I have a door-dash codes. You guys don't like free delivery and free food Use my door-dash codes down below But it saved me a lot of money as far as any of the fees go as far as any of the actual basically my Meal was like the meal and tip it wasn't even anything else And that to me was like really really worth it just in the sense of entertaining and all of that It's $10 a month that pretty much covers to order is the entire month So that was a good buy for me just because I know that I said like oh I shouldn't order food if I'm home But sometimes when I'm working like I would rather just spend the $10 to have food delivered to me because it saves me time and Get a lot more work done because I'm making a lot more than $10 when I'm getting work done So sometimes I do think that that is really helpful in your buying time Which is like pretty much invaluable as far as how much will like work you can get done So that's another thing. Okay. I just want to say that the last worst financial decision is Just letting people kind of take advantage of me and I mean I've had people in like my personal life a thousand percent But more so just like letting people take advantage of me because I'm young and upcharging and whatever that might be I found a really good car place in LA if you guys are an ally of the studio city Firestone of Ventura is the best Best best best firestone in the world and they never take advantage of you for car stuff and the cheapest Or it's like literally the best but just like letting people take advantage me because I was younger and not necessarily knowing That's why I'm trying to like you know actually learn this year so that stops But I think that that was another you know bad financial decision that I made and like kind of allowing myself to be because I'm I'm because I'm young I don't really really need to know this stuff and it's like no no no no like I should have learned it And I want to learn it as the time comes, you know, anyways, I hope you guys enjoyed today's video I love you guys so much. I'm subscribed because you're new here follow me at Instagram all that stuff I'll stop a podcast. It's called I love you so much podcast available everywhere Our podcast are available link is always down below it's a lifestyle podcast You guys will really like it if you like my videos, but I love you guys so much and I'll see you guys soon. Bye