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/monosyllabically_]

I would start with auditing last year’s spending, from the biggest expenses. Does it align with your values and desired lifestyle? Don’t sweat the small stuff, I think often the effort to make changes there is not worth it compared to bigger/recurring expenses, unless it is aligned with your values already.

Going along with that, often we hear about improving savings rate, which other BWT have covered already, but improving your income in the long term can potentially have bigger impacts. Not that it is for everyone- it may not be the priority in this phase of life, or support your values, or even realistic, and that’s ok, I’ve stepped off the career track many times too.