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Everyone's Talkin' Money

How to Indulge in Impulse Buys Without Financial Regret with Ashley Lapato

Everyone's Talkin' Money

Shari Rash

Business, Self-improvement, Education

4.6 • 631 Ratings

🗓️ 22 November 2024

⏱️ 40 minutes

🧾️ Download transcript

Summary

What’s your guilty pleasure—a latte, a new book, or maybe that random Amazon impulse buy? You’re not alone! TikTok’s “little treat culture” has over 55+ million fans, celebrating the joy of small, feel-good purchases. But how do these indulgences impact your financial health? In today’s episode, I’m joined by Ashley Lapato, money and lifestyle expert behind @theorganizedwallet. Together, we unpack the viral trend of little treats and what it means for your wallet. Ashley shares why eliminating impulsive spending isn’t the answer and how to shift your mindset around these purchases. Her advice? Stop shaming yourself over the occasional splurge (yes, even avocado toast!). Instead, learn how to budget for those joyful little treats in a way that fuels your happiness and keeps you on track with your money goals. What you’ll learn in this episode: Why “little treat culture” resonates with millions. How to stop associating impulsive buys with financial guilt. Ashley’s tips for budgeting guilt-free treats that align with your goals. Links & Resources: Follow Ashley on TikTok: @theorganizedwallet Start your spending plan with You Need a Budget (YNAB) Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

Hey, it's Shawna and welcome to everyone's talking about.

0:11.8

You can tell me, what is your favorite thing to spend money on every week that just makes you feel good?

0:18.8

These little treats, we all do them. And guess what? We all feel really good

0:23.3

when we make it an impulse buy. It's like a quick dopamine hit, a rush. Just so you know,

0:29.0

you're not alone. Fifty-five plus million people on TikTok have created a little trend called

0:34.1

Little Treat Culture. It's a trend where people impulsively treat themselves for these

0:39.5

quick boost of happiness. So with 55 plus million people strong, I think this is something we need to

0:46.3

talk about. On today's episode, Ashley Lepato, money and lifestyle expert at the organized wallet,

0:51.7

helps me break down this whole thing called little treat culture.

0:56.6

Ashley says eliminating impulse spending is not the solution, but unsubscribing from the narrative

1:02.7

that little treats means you're bad with money is what you need to do. Instead, you've got to give

1:08.7

yourself permission to budget for impulsive little treats,

1:12.3

knowing that it will bring you joy today and won't take away from your financial goals tomorrow.

1:17.8

All right, my friend, there is a lot to discuss on this.

1:20.5

So let's start talking.

1:21.9

All right, we're talking about this trend today called Little Treat Culture that it just sort of blew up on TikTok. I believe there's like

1:29.2

55 million plus views. And it's this trend where people impulsively just kind of treat themselves

1:36.3

for these quick boosts of happiness. And I think this is something we can all relate to. I would

1:42.1

imagine that this is kind of why this trend blew up,

1:44.3

because we spend money a lot of times because we just want to feel good. We want to,

1:48.4

we want to buy things. And, you know, there's so many stressors when it comes to money that

1:52.2

these boost to happiness are just really important. But you and I both know that these

...

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