That Practical Mom

I'm pretty sure saving money is a lie...

Thanks Ultima for sponsoring this video! Stay hydrated every single day with Ultima Replenisher: Head to https://ultima.yt.link/GYuehGy and use the code THATPRACTICALMOM20 for 20% off your order! For decades we've heard the same advice: skip the latte, spend less, invest the difference. But that assumes our biggest financial problem is knowing what to do with money. For most people, it isn't. Between rising costs, endless ways to spend, and the fact that many Americans aren't really pro investors, the actual challenge is changing our spending habits. That's why I think we see today's financial advice is shifting away from investment strategies and toward helping people keep their money from disappearing in the first place. I'm sharing some of the ways we've changed our own spending and buying habits to do just that. 👋 WHO AM I? Hi! My name is Kallie Branciforte, AKA That Practical Mom™. I’m here to share practical life hacks to help you get organized realistically, find attainable productivity, and simplify some of the chaos of life. 👉JOIN ME while I challenge to write one article a week for a year! https://thatpracticalmom.substack.com/ For business inquiries: [email protected] ____________________________________________ 🙌 I’M HERE TO HELP YOU SIMPLIFY YOUR LIFE. Need more? 1. Check out my FREE Printables: https://thatpracticalmom.substack.com/s/free-printables 2. Grab my “30 Days To a Cleaner Person” e-book: https://caffeinateandconquerco.com/products/cleaner-in-30-days-e-book-how-anyone-can-learn-to-be-tidy 3. Become a Morning Person in 7 Days: https://caffeinateandconquerco.com/products/how-to-become-a-morning-person-e-book-and-workbook-bundle ____________________________________________ 🤝 Disclaimers and such Fair use: I believe any clips used in my video fall under the remit of fair use. Under Section 107 of the Copyright Act of 1976, allowance is made for fair use for the purposes including criticism, comment, and news reporting. If any of the owners wish to dispute this you can always reach out. I respect all fellow content creators. FTC DISCLAIMER: Some of the links above could contain affiliate links, meaning that I get a small commission when you make a purchase using them. Music used under license from Epidemic Sound. SOURCES: Sasaki, Fumio. Goodbye, Things: The New Japanese Minimalism. W. W. Norton & Company, 2017. Schor, Juliet B. The Overspent American: Why We Want What We Don't Need. Harper Perennial, 1999. Choudhuri-Wade, Ronita. "Christmas Loans and Other Ways to Borrow for the Holidays." NerdWallet, 12 Nov. 2025, NerdWallet. "2 in 5 Americans Plan to Scale Back Holiday Spending, Some Skip Gifts Altogether." Nationwide Newsroom, 17 Nov. 2025 Annamaria Lusardi, and Olivia S. Mitchell. "The Economic Importance of Financial Literacy: Theory and Evidence." Journal of Economic Literature