Why I’m Grateful I Grew Up Without Money

When I was younger, my family didn’t have a lot of money. My parents were just starting their life together when I was born, and neither of their families really had much money, so they started out with very little.

My wardrobe for school consisted of secondhand clothes, knock-off shoes, and the occasional clearance item from regular stores. When I was old enough to become more cognizant of material items, I began comparing my clothes to the brand name clothes that my friends wore. I got made fun of at school for wearing “fake Vans,” as well as for wearing my favorite shirt two days in a row. I remember once that I wanted to keep wearing this particular black pair of shoes so badly after they faded that I stole a Sharpie from my teacher and colored over the parts that had worn. I always wore a shirt underneath my P.E. shirt so that when we changed, no one would notice that I wore the same bra every day. At lunch my friends and I would stand in line together, and when I got to the front, I would pretend like I wasn’t hungry because I didn’t have money. Some days I would ditch my friends to sit in the bathroom and eat the lunch I’d brought from home, but most of the time I’d just sit with them and forgo lunch instead.

I got a job as soon as I was old enough and splurged all of my paychecks on the luxury goods that I had always wanted but never had. I got my hair done frequently, bought expensive makeup, brand name clothes, shoes, jewelry — you name it. Each week, I’d plan out what I was going to buy when I got paid and I spent my money very quickly. I thought my things would increase my worth as a person, and honestly, I didn’t care about anything else.

During that time, I didn’t feel valuable unless I had the newest and nicest things. How the world viewed me and what others thought meant everything to me. The thing is, sometimes I didn’t even want certain things but felt like I had to buy them — my spending habits and routines soon began to spiral out of control, and after a few years I found that I was stuck in a never-ending cycle. I got tired of struggling to pay my bills and owing people money. I started to realize I would never be satisfied with my quality of life this way, and that I would need to find a place somewhere in the middle in order to be happy. I began cutting back on my spending, saving instead and truly thinking about whether I needed things before I bought them.

Now I am careful with how I spend my money, especially because I’ve become more financially independent. I choose to buy the majority of my clothes at thrift stores, and wear very little makeup. My hair is short, and I usually either have my mom cut it or I cut it myself. These days I choose to be pretty low maintenance, and I spend most of my money on food, school and bills. Instead of feeling like I need to buy material things to have personal worth, saying “no” to something at the store that I don’t need makes me feel happy and free.

Don’t get me wrong: There are still days that I get down on myself when I see my friends living more luxuriously, traveling frequently or spending a lot of money on food and clothes that I simply don’t have the budget for. But then I remember where I started, and that not everyone came from the same place as me. The bad feelings go away a lot quicker nowadays, and when I think about my past and how far I have come, I feel proud of myself.

When I think about the person I am now, I know that not having money when I was younger taught me a lot. Because of my struggles I know how to save, and how to be smart with my money. Having less for most of my life helped me to be content with less now, and I value the things that I have now much more than I would have if I’d never learned to appreciate them. Not having everything I wanted taught me to be flexible, creative and imaginative. It also forced me to work hard and earn my own way through life. I’d like to think that it taught me balance, and that I’ll always be happy with what I have, regardless of how much or how little.

Did a challenging experience help shape your understanding of yourself? Tell us @BritandCo.

(Images via Marisa Kumtong)

Loud budgeting may be popular on TikTok, but conversations about money can still be awkward. I've been in romantic relationship for a little over a decade and we're just at a point where we've become aligned on finances. So imagine having random conversations with your family or friends that begin with, "I know I've never really asked before, but is it okay if I can borrow [insert x amount of $] until I can pay you back?" The nature of your platonic and familial relationships will totally determine whether you receive positive or negative responses.

As helpful as money can be, it can fracture even the closest relationships. Why? Well, psychologist Veronica West of My Thriving Mind, head of advice for Wells Fargo Emily Irwin; and Founder of Her First $100K money expert Tori Dunlap have a few ideas!

Keep reading for a few sneaky ways money can ruin your friendships:


1. Talking About Money Can Expose Hidden Feelings

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It's impossible to know how someone feels every second of the day, but we probably all think we have a good understanding of the people we're close to. But people are capable of hiding how they feel about something or burying their discomfort until certain situations 'expose' them. Why does it seem like money has a way of doing this?

Both Irwin and Dunlap agree that "money is taboo," leading people to avoid conversations about it. "Data tells us that we are more likely to talk about any other taboo topic—sex, politics, religion, even death—before we’ll talk about money," says Dunlap. West agrees and says, "Money is like that one friend who’s incredibly helpful but totally untrustworthy—everyone likes what they bring to the table, but no one wants to talk about them directly." Did you think of someone specific? It's okay because I did too!

The problem is that money can make "hidden insecurities come out, old sibling rivalries rear their heads," and more, according to West. "Even something like 'who paid for what' can suddenly become a life-or death conversation," she says. It's strange because Irwin says a Wells Fargo study shows that "many Americans across all ages are worried about money," proving we're all thinking about it, despite our avoidance issues.

2. And Money Can Also Create Unease In Conversations

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"When we don’t have open conversations about money, we’re left to navigate it on our own, which can keep us feeling underpaid, overworked, or unsure about our financial situation," Dunlap points out. She feels "discussing money requires a huge amount of vulnerability" which "isn't easy for everyone." You may have seen how other topics are swept under the rug by family members or friends based on reasons they're not ready to talk about.

Though Irwin believes saying something like saying, "'Here's what's keeping me up at night' or 'here's what my goals are' could strengthen connections," Dunlap knows that "shame, comparison, or fear of judgement" can cause people to remain tight-lipped about their finances.

If you've experienced a weird moment because of money or had to be the unfortunate witness of an awkward conversation, my apologies. It's not fun no matter who's involved because, unfortunately, "money carries layers of emotions, like pride and insecurity, that turn simple conversations into potential minefields," says West.

Dunlap says there's a silver lining if people are willing to be open, however. "The key is respecting each person’s comfort level, and encouraging openness if they're willing to meet you there. It’s not going to be perfect at first, but by starting to share more about your own financial experiences, you can start to break the cycle of shame and fear around money. You might be surprised at how quickly others are willing to open up too."

3. Making Assumptions About Other’s Money Status And Financial Situation Can Lead To Disrespecting Boundaries

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No one's saying you should never lend friends money, but being mindful about the decision is worth noting. West feels "it's complicated" while Dunlap believes the issue "can be tricky." There's a chance a low-key loan becomes an expectation that you should dish out money every time someone needs help, even if you're trying to maintain your own bills. "Lending money to a friend is like sharing your Netflix password—simple in theory, but one wrong move, and things get weird," West forewarns.

Dunlap also says, "When you lend money to someone close to you, there's always the chance that you won’t get it back. You want to be mentally prepared for that! Otherwise, it can strain your finances and your relationship. The emotional toll can be just as heavy, as unpaid loans can lead to resentment or awkwardness." It's not unusual to hear about certain friends being unreliable in more ways than one after you've let them borrow something. Unfortunately, Irwin indicates this happens because some people "don't expect to give something back that they've borrowed."

Because of this, Dunlap thinks "it's best to avoid loans if possible." Should you decide to move forward with helping out a friend who's in a bind, make sure you're both in agreement about repayment and what to expect moving forward. West says "having clear terms" or "gifting a small amount if you can afford it" is like "buying their friendship insurance." The latter is something Dunlap agrees with because it "helps prevent resentment if they can't pay you back as planned." Plus, she feels it also "keeps the loan within an amount you're okay with potentially losing."

4. Lending Money Is A Slippery Slope That Can Lead To Distrust And Resentment

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It's amazing how money can lead to a friendship breakup if boundaries aren't created or respected. "Money is a sneaky little devil who can push everyone’s buttons. It can cause resentment if one person feels taken advantage of or someone’s 'casual loan' becomes an epic saga of unpaid IOUs," West says. Not only that, but Dunlap knows "money can strain relationships between friends and family by highlighting differences in how we value it, expect to use it, or feel about sharing it."

Friends and family members shouldn't take each other's kindness for granted, but human nature is fickle at times. That's not an indicator that someone you love is a "bad" person, but they may feel like you owe them your time and money. However, Irwin says this isn't "de facto that that person is entitled." Still, Dunlap is more than aware how this can play out. "For example, it can lead to resentment if one person is always the one picking up the tab, while another might feel uncomfortable or indebted because they’ve been helped financially," she says.

On the other hand, it can show up a little differently in families. She adds, "Issues like unequal inheritance or constant requests for financial help can lead to deep emotional tension. Money can also become a tool for power imbalances, where one person feels in control and the other feels dependent, and that can mess with trust and respect."

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When certain negative patterns show up in relationships, it can make people decide to take a step back from being available. "And once distrust settles in, it’s hard to shake; nobody wants to be 'that friend' who’s forever dodging a Venmo request or getting side-eye from relatives at every family BBQ," West points out. How many times have you built up a wall with the people you love because of repeated unreliability or the expectation that you're supposed to help them whenever they ask? If you didn't hesitate to think of a moment, you're living proof that distrust can affect even the closest relationships.

Dunlap says, "When money becomes a main factor in a relationship, it can overshadow the connection, making it difficult to maintain genuine trust and understanding. You can avoid this by having open conversations with friends and family about your financial situation. Clear communication can help keep the focus on the relationship, not the money."

5. You Can Worry You're Not A Good Friend Or Family Member For Setting Money Boundaries

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Worrying about how other people feel can keep us from setting boundaries. There's a difference between being an empath and a people pleaser, but it's easy to blur the lines. You can absolutely empathize with someone's hardship while knowing you're not in the position to lend the amount they may be looking for. I'm a huge fan of saying that two things can be true at once — because they can.

Irwin says you need to "address the conversation head on" if a friend does ask you for a loan. Your response may depend on if their ask was "emotionally-charged or "in an uncomfortable environment," but Irwin doesn't recommend ignoring it. If you're not in the space to respond, here's what she suggests saying in a "timely" fashion:

  1. "Hey, I need time to think about this. Let me get back to you."
  2. "We can help you, but here are our boundaries."
  3. "We see and understand you, but we're unable to help because we're trying to pay off debt or save for _______."

Yes, Financial Boundaries Are Essential

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Don't think you need to create financial boundaries for yourself and your friends? Think again. West says, "Establishing some ground rules is a lifesaver—think of it adding airbags to the friendship. Setting boundaries early on, like when you’re still in the happy, non-monetary part of the relationship, can protect both sides if things get sticky."

Here's how she advises you proceed with creating boundaries:

  1. Keep it light and be honest; you’re not making a prenuptial agreement here, just letting them know you’d like to avoid “financial fireworks” later.
  2. Say, “I’m your friend, not your ATM.” It’s funny but helps set the tone that your wallet isn’t a free-for-all.
  3. Set a gift cap, such as, "I'm happy to chip in for brunch or a birthday, but let’s not get into home-loan territory.”
  4. If you do lend, draw up a repayment plan. Think of it as adulting with a side of accountability to avoid “accidentally” becoming their financial fairy godmother.
  5. Limit talk of big financial choices unless you’re genuinely invested together. After all, nobody needs to know how much their friend spends on avocado toast or scented candles, let alone home renos.
  6. A little humor and some boundaries go a long way. You’ll save yourself a lot of awkwardness and keep the friendships intact, one “non-loaned” dollar at a time!

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Tori says, "It's so important to have transparent conversations about money, set clear boundaries, and ensure that relationships are prioritized in any money exchange." Here are a few things you can try:

  1. Communicate about your budget with a “gratitude sandwich.” Say you’re invited to an outing—a dinner, or a sports game—that isn’t within your budget right now. You can respond with the “gratitude sandwich.” The “pieces of bread” are positive, and the “meat” is the money thing you’re scared to say. Thank that person for the invite, let them know it’s not within budget right now, and then offer a cheaper alternative, reassuring them that you’d really love to see them. Offering an alternative reminds that person that declining their invitation isn’t about them, and you still care about them. In doing so, you prioritize your budget AND your relationship in the process.When in doubt, remember that no is a complete sentence. You don’t need to overcomplicate things, and sometimes a simple “no” is all you need.
  2. Set expectations early. When planning trips with friends, discuss the budget and how costs will be split upfront. Having these conversations ensures that everyone is on the same page and helps avoid any misunderstandings. It creates a supportive, stress-free environment where everyone can enjoy the experience together without any added worries!

The Final Verdict:

Emil Kalibradov/Unsplash

Once you've weighed your options and considered what you need, you can decide to loan your friend money. However, Irwin wants you to consider being formal about it. "You can absolutely draft a promissory note or loan agreement so that your friend knows how serious you are about your boundaries. If you want, you can also put an interest rate on it," she says.

It's not to hurt your friend's feelings, but it is a boundary you can put in place so they think to themselves, "This is truly a loan because I'm borrowing money with the intent to pay it back," Irwin says. It could change the dynamics of your friendship, but it's more about being "purposeful about the language being used" so you and your friend can both move in the "right direction," according to Irwin.

If the idea of creating a 'loan agreement' sounds icky to you, Dunlap wants you to seriously consider it as "an extra bit of protection." She says all you need to do, again, is "try setting up a simple contract to outline repayment terms" because it "can help both of you stay on the same page and avoid misunderstandings down the road."

Her ultimate piece of advice? "Only lend what you're comfortable giving and potentially losing, and keep open communication to maintain trust and respect in the relationship."

If you set clear financial boundaries and still find that your platonic relationships are weird, we have tips to help you navigate a potential friendship breakup.

Outer Banks fans got a treat during 2023's Poguelandia event (which took place on February 18 in Huntington Beach, California). While celebrating the release of Outer Banks season 3, the cast took to the stage to announce that we were also getting Outer Banks season 4! As a native Outer Banks-er myself, this is one teen drama I will never be able to get enough of — so keep the seasons coming Netflix!

I'm already thinking about what hijinks the Pogues will get up to in Outer Banks season 4. Here's everything we know about the new TV show, including the cast, the plot, and the Outer Banks season 4 release date! Once you've scrolled through, catch up on The Craziest Outer Banks Theories.

Keep reading for the latest news & updates on Outer Banks season 4.

Who runs over the turtles in Outer Banks?

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The one Outer Banks season 4 scene that has fans freaking out is when the Pogues and Kooks wind up at the same access on their beach day — and a game of chicken literally turns deadly. Topper's new girlfriend Ruthie (played by Mia Challis) drives her Jeep directly at the Pogues, and winds up running over a turtle hatch, killing a baby turtle in the process.

“When I read that in the script, I was as shocked as the viewers," she tells Elite Daily. "I read it four times being like, ‘Wait, a baby turtle? No, surely not.'"

Despite her cold shoulder, Mia thinks Ruthie did end up feeling guilty about the situation. "When she finds out the turtles have died, she thinks, 'What have I done?'" she says. "There is slight remorse. But Ruthie's defense mechanism is to pretend like she doesn't care."

"It's such an emotional scene for Madison Bailey, who plays Kiara," she continues. "They gave her a plastic baby turtle to hold. When that was happening, we were looking down at the turtle and thinking it was so sad. But I had to switch that off and try to get into my Ruthie mindset."

But surprisingly, Mia also reveals filming the emotional scene wasn't as devastating as you might expect: "We were laughing the whole time. When I watched it, I felt awful, but on the actual day of filming, it was quite light and fun."

What happens at the end of Outer Banks season 4?

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Spoiler warning!! The Outer Banks season 4 ending shocked the internet by killing off one of our favorite Pogues: JJ. The decision immediately sent fans into a tailspin, and more than one viewer told me they're heartbroken over the loss. Don't worry though. This Rudy Pankow & Madison Bailey interaction just might heal you.

Is there an Outer Banks season 4 trailer?

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Yes, you can watch the Outer Banks season 4 trailer here! The trailer really proves the show is returning to its roots by bringing the Pogues back to the OBX.

I have all my fingers and toes crossed we finally get some answers to one question I've had since season 1. I'm convinced that during Kiara's Kook year, when she briefly ditched the boys to become friends with Sarah, that Rafe fell for her, and hasn't left her alone since. This is such a small detail but it would provide so much context for the characters! Either way, it looks like Rafe, JJ, and John B will be fighting this season (again).

When is Outer Banks season 4 coming out?

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Summer vacation is lasting all year long! Outer Banks season 4 will be premiering in two parts: we'll get the first five episodes on October 10, and the second five on November 7.

After Madison Bailey revealed in an Instagramstory that Outer Banks 4 finished filming in June, she confirmed we'd be getting Outer Banks season 4 this fall on August 15 with a hilarious video hyping up John B and Sarah's fictional surf shop (which we'll see in the upcoming season).

What is season 4 of Outer Banks about?

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Outer Banks season 3 ended with an 18-month time jump — meaning the characters will be a year and a half older at the end of Outer Banks season 4 than in previous installments of the show. This definitely works in the series' favor because the characters will be closer to the cast's ages. Plus, being post-grad gives them more flexibility to go treasure hunting without the repercussions of skipping school...like they did the entirety of season 2.

Thanks to some important details at the end of the season finale, we know Kie is working with turtles, JJ bought a charter boat, Pope is going to college, and John B. and Sarah are running a surf shop. But things take a turn for the adventurous when the Pogues are given a new quest to hunt for Blackbeard's treasure. The real Blackbeard loved hiding his treasure on places like Ocracoke Island, which is on the real OBX. I'm super excited for this plotline because it means we'll be back on the Outer Banks for (hopefully) the whole season!

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"It’s not going to be the usual Blackbeard story," according to co-creator Josh Pate, and (spoiler!!) we actually have our first plot details. According to Wrightsville Beach recreation program supervisor Katie Ryan (via Wilmington StarNews) and the shows filming permits, we know that one scene will involve "two people jumping from the pier," while a second "involves individuals finding a body on the beach."

While Outer Banks season 4 promises to be as adventurous as ever, Chase Stokes promises People the show will also go back to its roots. “There was a real want for a lot of the authenticity and the characters in season 1. So I will say that they do a good job this season of that,” he says.

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After the death of Sarah and John B.'s fathers, the show's golden couple will have to figure out what their future looks like. “It really will force them to evaluate everything," he says. "Where they are, what their purpose is, what their intentions are, and what was the actual value of it? Was it worth it, in hindsight? If they could go back and change things, would they?"

"[The Pogues have had] a huge, huge shift in lifestyle in a very, very short period of time," Chase continues. “And I think when you go through that level of trauma, for sure, it'll make you start asking those deeper questions.”

Who's in the Outer Banks season 4 cast?

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We're expecting the main cast to return for Outer Banks season 4, including Chase Stokes as John B., Madelyn Cline as Sarah, Madison Bailey as Kiara, Jonathan Daviss as Pope, Rudy Pankow as JJ, Carlacia Grant as Cleo, Drew Starkey as Rafe, and Austin North as Topper.

Fiona Palomo will star as Sofia alongside J. Anthony Crane as Chandler Groff, Pollyanna McIntosh as Dalia, Brianna Brown as Hollis Robinson, Rigo Sanchez as Lightner, Mia Challis as Ruthie, and Cullen Moss as Shoupe.

Since Charles Esten's Ward ends up (spoiler!) dying at the end of season 3, he probably won't make a return — unless the show ventures into ghost territory. Honestly, I wouldn't even be surprised. But even if he's not on set, he recently reunited with Madelyn Cline and Drew Starkey!

Charles Esten/Instagram

"That thing where you’re playing your 4th Annual WARDJAMMER...and your amazing friends who also happen to be your @obx son and daughter surprise you by showing up and hanging out all night and even coming on stage to sing 'Left Hand Free,'" Charles writes on Instagram. "What an absolute joy to wrap my arms around these two! The bond is real and my heart is grateful."

Where is Outer Banks season 4 filming?

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Outer Banks season 4 has been seen filming around Charleston, South Carolina and Wilmington, North Carolina, which is where other titles like Dawson's Creek,The Summer I Turned Pretty, andOne Tree Hill have all filmed! Because OBX has never filming in Wilmington before, it makes me think the Pogues will truly go on an adventure we've never seen.

The First Look At Outer Banks Season 4

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After Netflix's Tudum event showed off the Pogues' new style (and confirmed that all of them will be returning, thank goodness), we got a brand new look at some Outer Banks season 4 scenes thanks to Netflix's 2024 preview. It's a brief clip, but we hear just how excited the Pogues are to go after a treasure they've "spent [their] whole lives hearing about" (same, TBH) — and get to see them lounging around on a day off. Treasure hunting is hard work, after all!

This first look gives us an idea of what we can expect from this upcoming installment because while season 1 had the golden overtone of our favorite 2000s dramas, season 2 featured warmer orange tones, and season 3 featured cooler blues and greens, it looks like Outer Banks season 4 is youthful, bright, and colorful. And thanks to this clip, we also know for a fact we'll see Madison Bailey, Rudy Pankow, Jonathan Daviss, Madelyn Cline, Chase Stokes, and Carlacia Grant come back to their iconic roles.

Is Outer Banks season 4 the last season?

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Netflix hasn't officially announced whether we'll be getting an Outer Banks season 5 or 6 yet, but creators Jonas and Josh Pate have enough story for another two seasons. "We’re going to fill in some gaps in the 18 months," Josh tells TUDUM. "We felt like we needed to migrate them out of school. We think about the first three [seasons] as a trilogy and then we’re starting over on [another sort of] trilogy now. We just needed to clear the decks. We’re going to have new villains, a new treasure hunt, a new life situation."

I'm excited to see what kind of roots the characters put down in Outer Banks season 4 — and how they flourish as the story continues!

What did you think about Outer Banks season 4? Check out our interview with costume designer Emmie Holmes and The Best New TV Shows Coming In 2024 before you rewatch OBX season 4 again ;).

This post has been updated.

Budgeting for the year is the last thing most of us *want* to do, but it's probably the most important in order to achieve your life goals. "Whether you want to pay off debt or build wealth, the budget’s entire job is to increase your net worth," says Erin Skye Kelly, author of Get the Hell Out of Debt: The Proven 3-Phase Method That Will Radically Shift Your Relationship to Money. "A budget says that you matter, and your dreams matter — and when we take care of ourselves first financially, we are in a better position to help others." Here are some of the most-Googled questions about debt answered, plus realistic ways to get out of debt in 2025 and starting living your best life.


How Do I Pay Off Credit Card Debt?

Photo by Mikhail Nilov

If you're serious about reducing your debt, you'll have to cut back on your nonessential spending by setting a realistic monthly budget for expenses like dining out or entertainment. Come up with a payment strategy that works best for you and your current financial situation. For example, focus on paying off the card with the highest interest rate first while making minimum payments on others. Once the highest-interest debt is cleared, roll that payment into the card with the next highest interest rate. This approach reduces the overall interest you pay and can help you become debt-free faster.

What Is A Debt Snowball?

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A debt snowball is a debt repayment method where you focus on paying off your smallest debts first, regardless of interest rate, while making minimum payments on larger debts. The debt snowball method is popular because it builds momentum and motivation, giving you a psychological boost as you see debts disappearing one by one. Once the smallest debt is paid off, you take the amount you were paying on it and apply it to the next smallest debt. This creates a "snowball effect," where your available payment amount grows as each debt is eliminated, helping you pay off larger debts faster over time.

How Do I Get Out Of Debt?

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When it comes to getting out of debt, the method that works best for you might be different than what works best for someone else. To get started, list all your debts, including balances, interest rates, and minimum payments. This gives you a clear picture of what you owe. Analyze your income and expenses to see where you can cut back and direct any extra funds toward your debt. Avoid new debt: Shift to a cash or debit-only system to prevent accumulating more debt while paying off what you already owe.

There are a variety of factors, from financial situation to income to dependents, but no matter what your life look like right now, here are some realistic ways to help you conquer your debt.

Create An LBD (Little Budget Library)

Photo By: Kaboompics.com

A little budget diary is a way to take stock of all your monthly and annual expenses, such as subscriptions, streaming services, and groceries — and write them all down in your LBD, says Brit + Co's Money School instructor Nicole Lapin. "You'll reference this all year — weekly is best — so you'll want to start off on the right foot with an easy-to-reference LBD. Don't make it hard. It's an easy task that will help you get organized quickly," she says.

Be Realistic About Your Expenses

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"Do not be aspirational with your numbers," says Skye Kelly. "Pay attention to how you ACTUALLY live and how you ACTUALLY spend and work from there." Track your expenses for a month to create an accurate budget, review your paycheck and follow the 50-20-30 rule. These are the percentages you should spend on essentials, your future, and your lifestyle (non-essentials) with the goal to live within your means and eventually start saving and investing.

Check out Brit + Co's Teach Me Something Newpodcast with finance pro Tonya Rapley for breaking out of the paycheck-to-paycheck cycle.

Set Your Sights On Big Goals

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Whether it's that dream bucket-list trip or a buying your first home, think about what your long-term goals are and think big when planning a budget. "When we are committed to a massive financial goal (retiring early and traveling the world with your life partner) suddenly the decision between roses or calla lilies as a wedding bouquet seem meaningless, and we are more inclined to find ways to spend less so we can meet our long-term financial goals," says Skye Kelly. She adds: "Create a budget for the milestone, stay resourceful and use points, seasonal sales, and help or hand-me-downs where you can."

Check out Brit + Co's Teach Me Something New podcast with The Points Guy for credit card tips and travel hacks.

"Spring Clean" Your Finances

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Take a moment to organize your expenses. Dedicate a weekend afternoon and delete unused subscriptions, close and consolidate accounts, check in with your savings and retirement plans to make sure they're working for you, reduce auto-renewals, and unload credit card debt byconsolidating them into a single low-interest personal loan. It will feel as good, if not better, than spring cleaning your house, plus think about the money you'll have saved in that afternoon.

Find Your Side Hustle

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Beyond just reducing your expenses, look at ways you can increase your income so you can start saving andinvesting to grow your wealth. "Increasing income might look like side jobs, part-time employment, creating an income stream, selling clutter around the home, or creating a product or service that meets the demands of the marketplace," says Skye Kelly. Look at selling clothes on resale sites, having a garage sale come spring, selling books online, starting an Etsy shop if you have a creative interest... anything that will add some extra cash in your pocket each month.

It's OK If It's Not Perfect

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"Because budgets are rooted in math, we tend to see everything as right or wrong, which *shudder* brings up a lot of grade-school math class shame for many of us," says Skye Kelly. "If you plan your budget at the beginning of the month and at the end of the month it was only 80% accurate, you are likely killin’ it financially. I’ve asked hundreds of financial experts over the years ‘how many times did you get the budget exactly right?’ and every single answer has been ‘zero times.’"

Avoid Making Money Decisions During Hard Times

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Mental wellness plays a big role in how we view our expenses and often we can make decisions in order to make us feel better (retail therapy, anyone?) instead of making healthy long-term financial decisions. "Having a line item in the budget for guilt-free spending is critical if you can afford it," says Skye Kelly. "This guilt-free spending money is there for times you want to splurge even though you might not be able to justify it."

Skye Kelly says it's best to avoid major financial decisions if you can for at least 6 months:

  • After a significant death or when you are grieving
  • While you or a loved one are experiencing a critical illness or at the onset of a new disability
  • After a major breakup or divorce
  • When you’ve entered into a new romantic relationship
  • If you’ve been diagnosed with or suspect you have a mental illness and are awaiting treatment

"During these times we are highly likely to make emotional or impulsive decisions. Give yourself time to regulate some of the higher intensity emotions that might be driving the urge to spend."

Curious about crypto? Check out Brit + Co's Teach Me Something Newpodcast with finance pro Nicole Lapin for a primer on how to make your first crypto investment.

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The Wicked moviepress tour has been a truly beautiful thing to witness. Ariana Grande & Cynthia Erivo have cried in almost every interview because of how much they love their characters and each other, and it seems like working on this project really did heal something in them. So, after the sincerity of their interviews, I was really taken aback when I learned Dax Shepard had Cynthia Erivo on his Armchair Expert podcast...and chose to ask her about going to the bathroom?

Keep reading for what Dax Shepard had to say and, like me, wonder why he asked it in the first place.

On an episode of his Armchair Expert podcast, Dax Shepard asked Oscar nominee Cynthia Erivo if her famously long nails make it difficult to wipe when she goes to the bathroom. “I knew you would ask that,” Cynthia responds, saying “no one’s afraid” to ask such an intimate question.

“My answer is that nobody uses just their fingers to wipe their backside,” she says. “You use tissue, correct? And you wipe!”

When he asked if she was annoyed or offended by the question, Cynthia admits she's "annoyed by it."

“I'm, like, 'Come on, guys,' ” she says. “But I get it, but it's also, like, ‘I'm a functioning adult, and I've never walked around smelling like, you know…'"

Theo Wargo/Getty Images

The actress has proved she's nothing if not honest this fall, going viral for saying "thank goodness" the actresses who auditioned with her for Glinda didn't land the role and for vocalizinghow much a fan edit of the Wicked movie poster offended her (she later admitted she should have texted her friends instead of posting on social media).

Now, this question was very weird to me for a few reasons. Not only does it have nothing to do with the film, but Dax asking Cynthia about her bathroom habits gives me a similar feeling to the one I got watching that male interviewer ask Scarlett Johansson about her underwear during Avengers: Age of Ultron press. Just...what is the reason? Plus, the fact Cynthia has also been vocal about how much she values her nails as a part of Black culture only makes the question (and the fact the nails feel like, no pun intended, the butt of the joke) weirder.

"Here’s the thing," Cynthia tells Dax before switching topics. "There are people who do not have nails who need to check how they’re wiping." Get 'em girl!

What did you think about this Armchair Expert interview with Dax Shepard and Cynthia Erivo? Let us know in the comments and read up on The Latest Wicked: Part Two News!

I literally can't believe I'm writing this, but after a year of keeping up with all the biggest and best 2024 movies, I'm here with a final installment: December movies! This year has had some truly remarkable flicks (Challengers! Wicked! The Fall Guy!) and we're truly going out with a bang. While you're keeping up with all the best December TV shows coming out, here are the best December movies coming next month.

Keep reading for all the new December movies to add to your watchlist in 2024.

Y2K — In Theaters December 6, 2024

A24

Remember that Y2K crisis at the turn of the millennium? This December movie, which follows two high school juniors who crash a New Year's Eve party, reimagines it as a full-blown disaster — blood, guts, and all.

Y2K stars Jaeden Martell, Rachel Zegler, Julian Dennison, The Kid Laroi, and Fred Durst.

Mary — On Netflix December 6, 2024

Netflix

Get a new look at one of the most famous women in the world when Mary drops on Netflix next month. This movie will give you a whole new look at the titular heroine's life — from being forced into hiding to running for her life, all to protect her baby son from a murderous king.

Mary stars Noa Cohen, Ido Tako, Stephanie Nur, Susan Brown, Ori Pfeffer, Eamon Farren, Hilla Vidor, Mili Avital, Gudmundur Thorvaldsson, Dudley O’Shaughnessy, Keren Tzur, Mehmet Kurtulus, Mila Harris, and Anthony Hopkins.

Nightb—ch — In Theaters December 6, 2024

Searchlight Pictures

Another December movie that will have you looking at motherhood differently is Nightb—ch, which follows Amy Adams character's life as she becomes a mother...and becomes convinced she's also turning into a dog.

Nightb—ch stars Amy Adams, Scoot McNairy, Arleigh Patrick Snowden, Emmett James Snowden, Zoë Chao, Mary Holland, Archana Rajan, Jessica Harper.

F Marry Kill — On Digital December 6, 2024

Lionsgate

We all know dating apps can be a really horrifying experience, but when true-crime lover Eva starts to believe one of her three dates could be the “Swipe Right Killer," she finds herself in a life-or-death situation.

F Marry Kill stars Lucy Hale, Samer Salem, Virginia Gardner, Jedidiah Goodacre, Brendan Morgan, Brooke Nevin, and Bethany Brown.

A Nonsense Christmas With Sabrina Carpenter — On Netflix December 6

Mike Coppola/Getty Images for iHeartRadio

If you're still singing "Nonsense" by Sabrina Carpenter, then this December movie (er, holiday special) is for you. Not only will the popstar perform tunes from her fruitcake EP, but she'll be joined by special guests as well!

A Nonsense Christmas With Sabrina Carpenter stars, you guessed it, Sabrina Carpenter.

Maria — On Netflix December 11, 2024

Pablo Larraín/Netflix

Angelina Jolie's newest film follows iconic performer Maria Callas. After a glamorous, albeit difficult, public life, Maria moves to Paris for some quiet — and must confront her identity, her past, and her future in the process.

Maria stars Angelina Jolie, Pierfrancesco Favino, Alba Rohrwacher, Valeria Golino, Kodi Smit-McPhee, and Haluk Bilginer.

Kraven The Hunter — In Theaters December 13

Jay Maidment/Sony

Despite the fact it's coming out around the holidays, Aaron Taylor Johnson's new December movie is not for kids. The flick follows the titular Kraven as he morphs from the son of a gangster to the brutal and fearsome villain comic fans know so well.

Kraven the Hunter stars Aaron Taylor Johnson, Ariana DeBose, Fred Hechinger, and Russell Crowe.

Carry On — On Netflix December 13

Netflix

One TSA agent is in for a less-than-jolly holiday when he's blackmailed by a traveler hoping to bring a very dangerous package into the airport on Christmas Eve.

Carry On stars Taron Egerton, Jason Bateman, and Sofia Carson.

Mufasa: The Lion King — In Theaters December 20

Walt Disney Pictures

Not only is this Lion King sequel giving us a brand new look at a classic story, but it also marks Blue Ivy Carter's acting debut! The movie tells the story of how Mufasa began his journey as an orphaned cub and how a run-in with royal heir Taka changed everything.

Mufasa: The Lion King stars Beyoncé Knowles-Carter, Aaron Pierre, John Kani, Seth Rogen, Billy Eichner, Donald Glover, and Blue Ivy Carter.

Babygirl — In Theaters December 25

A24

Nicole Kidman's new December movie will add some spice to your holiday, thanks to an affair with her character's much-younger employee. Is it getting hot in here?

Babygirl stars Nicole Kidman, Harris Dickinson, Sophie Wilde, and Antonio Banderas.

A Complete Unknown — In Theaters December 25

Macall Polay/Searchlight Pictures

If you're still laughing about the Timothée Chalamet lookalike contest, then you'll definitely want to show up to see this flick, which stars our favorite Timmy as Bob Dylan during his historical move from folk to rock'n'roll.

A Complete Unknown stars Timothée Chalamet Monica Barbaro, Elle Fanning, Edward Norton, Boyd Holbrook, and Nick Offerman.

Let us know which December movie you're most excited for on Instagram!