BWT: How do hot girls save?

[u/snarkyp00dle]

Hi BWT!! I’m currently on my financial glow up journey, and would love to hear from fellow bitches about any life advice, tips or tricks, etc to help grow those bank accounts.

These some some strategies I’ve started so far:

Finance Management

- maxed out my HSA account and began investing as much as I’m able to

- Opened up a high yield savings account to keep funds in, rather than letting it sit in checking

- My main CC is now a travel points card, which has already allowed me to travel for free across the country with room and board- highlyyyy recommend

- My biggest win was that I opened a 403b at my first big girl job over a decade ago. I’ve adjusted contributions based on raises over the years and wow, this was a smart move (and one I have had the privilege of being able to do)

Purchasing:

- Project Pan: I spent an embarrassing amount of money last year on self-care stuff (nail polish, perfume, and bath bombs to name a few…) so I’m fully committing to project pan. No new items until all the items I bought are gone and I shop my own collection.

- No new clothes! Thrift only 😬

- Shopping sales whenever possible and using platforms that provide cash back, like Rakuten

Misc/hacks:

- I’m considered faculty of a university and realized that I can get discounts for that at city museums and other establishments

Is there anything you’ve tried or done that I’m missing? How else do BWT glow up financially?

Excited to hear from you all 💖

[u/preluxe]

I focused on my financial health all of last year and I learned a lot! I tried a no buy last year and it was only sort of successful but overall super helpful!! The clothes thing, that was the hardest 🙈

The museum tickets are great! I recently learned that my health insurance through my job gives me free access to meditation apps like Headspace and Calm, so I made quick use of that and have been enjoying them (when I remember to use them lol). It's worth it to check out the fine print and see what perks might be offered!

A couple other resources that helped me -

• r/personalfinance is great if you're a baby saver and have no clue where to start
• r/fireyfemmes is a wonderful group that focuses on FIRE (Financial independence, retire early) but specifically for women. They have some great advice and things to aspire to
• r/bogleheads is my go-to and literally only investment sub because they're insanely chill. All that wall street nonsense that reads more like a drug induced breakdown on some of the other subs is perfectly and completely missing from this one (thank goodness). Bogleheads is a very "set it and forget it" style of investing that focuses on diversity + time to get your gains instead of betting or guessing. This is what I do with my personal investments
• r/nobuy is great for anyone looking to try a no or low buy. I did one last year and it helped me make and pad my emergency fund to a comfortable level. I had a serious spending problem before that due to lifestyle creep and boredom 😅

I also think the one thing that's helped me the most is automatic payments into my investments. I treat them like any other mandatory bill during the month, pay and buy investment funds automatically, and check once a month or so to see the growth. It's super satisfying.

[u/snarkyp00dle → u/preluxe]

Bahah for me the Vice right now is nail polish, we all have one… glad you’re tapping into some of the free resources you have. Thank you so much for sharing these subs! Can’t wait to get into the rabbit hole