@jonesyslifestyle: Things I refuse to spend money on as a 21 year old who is good with money. PART ONE + my wealth tip for each 👇🏻 1. Adding extra items to my cart just to get free shipping. Spending $40 to “save” $10 is still spending more money. TIP: Ask a friend if they need anything so you can combine your orders. 2. Sales and new clothing drops. If I only want something because of hype or scarcity, I probably would not value it on its own. TIP: Mute ads and unfollow brands that tempt you to make impulse purchases. 3. Convenience purchases that reward laziness. Saving time is only valuable if I use that extra time wisely. TIP: Write down exactly how you will use the time you are saving before paying for convenience. 4. Cheap jewelry that I will eventually replace. I would rather save for quality pieces that I can wear for years. TIP: Create a sinking fund and save gradually for the piece you truly want. 5. Things that do not contribute to my main goals. I enjoy nice things, but not every purchase supports the future I am trying to build. TIP: Write down your five biggest goals, then separate the things you need from the things you simply want. 6. Expensive versions of things I do not genuinely value. Just because something looks nice or comes from a popular brand does not mean I need the premium version. TIP: Compare the features and functionality before paying extra for the brand or aesthetic. 7. Cheap versions of things I genuinely value. If I know I will use and appreciate something regularly, I would rather wait and buy the right version once. TIP: Set aside a percentage of your monthly income for the upgrades and experiences you value most. 8. Fast fashion and low quality clothing that only lasts a few washes. TIP: Slowly build your wardrobe with a few versatile, quality staple pieces. 9. Unnecessary interest charges, especially on lifestyle purchases. Debt should help fund growth, not consumption. TIP: If you need a payment plan to afford something unnecessary, add it to a future lifestyle upgrades list and revisit it when you reach your next income goal. DM me “WEINVEST” and I’ll send you my free beginner’s investing guide!

Cole Jones

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Region: US

Sunday 13 September 2026 16:02:18 GMT