Being a financial baddie isn't just about money; it's a lifestyle that empowers and sets the stage for a secure and fulfilling future. Every smart financial "baddie" knows that making informed decisions today can pave the way for financial freedom tomorrow. So what are these baddies actually doing
1. The baddies are buying better quality clothing. The baddies are looking good but their clothing purchases are not of the cheap, low quality, fast fashion kind. Baddies are willing to cough up more cash upfront for a quality garment instead of buying several of the same low quality ones that wear away within a season. They invest in garments that last years.
2. They use their credit cards to build credit. Baddies do purchase on credit cards but pay off the card every month in full and on time. They use their card to build credit not build debt that turns into interest, which turns into a headache.
3. Young financial baddies learn how to cook. They are far less interested in the see and be seen trap that broke girls care about. They are Tik toking recipes, learning from family/friends or making most of their meals at home . A financial baddies last option is to splurge on an expensive night out at a fancy restaurant just to say they went there and got the content for social.
4. Baddies make their own lunch. The cost of buying lunch every day is quite frankly wild and if you're still doing that and are behind on your financial goals, then you better wake up earlier or stay up later to make a sandwich girl.
5. Baddies know their numbers. Monthly numbers that is. They know what they're bringing in and spending every month. what percentage are fixed expenses, wants and savings. They run their own budget or atleast follow the recommended 50/30/20 budget.
6. Baddies have learnt to do their own nails. This is real and we gotta start snapping out of getting weekly nails done of $50-$100 only to return a few days later because one chipped. Unless you are financially in the clear, baddies recommend you follow the countless great tutorials on social, buy the nails kits and get it done in your own time.