Tiffany Aliche
speaker
174 appearances
2 recordings
1 series
first heard Dec 2024
last heard 13 Apr
Tiffany Aliche’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Apr 2026 with 1.
Appearances
And so we did that step and she started crying and she was just like, I didn't realize how much over I was spending. And she said, as a matter of fact, I can't even afford the air conditioning that's on Can I turn it off? And I was like, yes. So we sat with the fan on because she just turned on the air conditioner because I was coming over. So I was like, turn off the AC. A fan is fine.
That tears and tissue step allows you to see what do you need to do now. And so. Let's say you've done that, right?
What is the next step? The next step is I want you to categorize your expenses before you get to slash and dash, you know, because that's what people want to do. I won't eat out. I won't. Yeah, I'm never going to eat again.
So I'm like categorize your expenses into three categories. One, I want you to write a B next to all the bills on your list. So bills are if you don't pay it, someone's going to come knocking on your door and say, where's my money? Right. Yeah. So put a B next to all those things.
Yes. Mortgage is a bill. Rent, car note, student loans. So if you don't pay, you're likely to be sued. Think about that. Gotcha.
Yes. That's a bill. Mm-hmm. So a B next to all your bills. And then, and those are really like fixed expenses. So that way you understand, right? And then I want you to put a U in front of any beam that fluctuates based upon your usage. Oh, I love that. So I call these like the U stands for usage or utility.
So your usage. Yes.
Yes. And so it's important to separate those two because I want you to, you'll see that I want you to understand the level of control you have on these expenses. And whatever is not a B or UB, everything else is a C. C stands for cash or choice, meaning that you have full choice of how you spend here. So grooming might be left over. Groceries might be left over. How much eating out with friends.
Yes. Yes. And so entertainment. And so now before you get to slashing, I want you to ask yourself, where's most of your money going? For many people, most of their money might be going to the B's and UB's. But for some people, it's actually all the C's. So then we have to identify, do you have a don't make enough issue or spend too much issue?
And so if most of your money is going to the B's and UB's, you might not make enough. So it's not about slashing because these are your bills. But if most of your money is going to your C's, your choices and your cash expenses, then you probably have a spend too much issue. So now we need to slash. Because it's entertainment and grocery and all those things where your money is going.
Because what I find is that frugal people want to get more frugal when things are tight. I'm like, that's not the answer. That instead, I want you to put your energy to learning how to earn more if all of your money is going to your bills. Because we're cutting the mortgage. What are we cutting? That's true.
a spike in this? Absolutely. Overconsumption is the new way. We all have so much that we don't need. I mean, even I, sometimes I'm like, Tiffany, you do not need like another, like you don't even vacuum. I'm like, but that one is so cool. And I'm like, there's this influencer who I follow, who I love her, because it's so aesthetically pleasing.
But you know the ones that were like, everything in the kitchen is aesthetically pleasing? Yes, this is these Amazon shops, so that I can click through to my Amazon thing. I got this all for free, but I'm gonna make money on you buying it. A container for the container. It's like, well, who wants to eat cereal out of a cereal box? We want to eat it out of an aesthetically pleasing glass container.
Do I need an aesthetically pleasing? You don't. So it is really hard. So that's why I don't believe in leaning so heavily on discipline when it comes to financial stick-to-it-ness. What do you believe in? That I believe automation, automation, automation. That's the new discipline. That if we can put systems and automations in place, it will help to safeguard you because you're human.
So we're not here to fight against your humanness. You know, I'm like for budgeting, for example, I do this thing where I call it budget without a budget. You go to HR, you say, hey, HR or payroll, I want to split my money before I get my money.
Do you have a particular percentage in mind? Well, the good thing is people ask me that all the time. I'm like, well, we don't have to guess. Money list is right there saying, oh, hello. We know how much you need to put in here.
And I did not see this coming. Well, I don't know if you know this Mel, but two and a half years ago, my husband passed away suddenly. I did not know that. From an aneurysm. That sucks. And so one thing I learned from that, aside from the financial component, which is that we did, I wanna say 85 to 90% of the things right. So I get to just miss him.
There's not the financial ruin that so many, so many women lose their, partner and their home. That has not been the case for me. But what I did, what my therapist calls the gift of grief is that it gave me perspective of what's really important. You know, like that all of this that you're learning today is not for money's sake. is for meaning's sake.
I hope you remember to put that first and center that. What is the real thing that you're wanting? To what end? Time with family, time with friends, purpose, whatever that is, to center that and to use the money to match to it. Because you might already have enough. I didn't know I had enough. I was like the driver, like, oh babe, we could do this. And he'd be like, well, I like our house.
Oh, we could get this car if I work even harder. And he's like, well, the car's paid off. I like our car. His thing was always, because I have a stepdaughter, Alyssa, he would always be like, well, if Alyssa's good and you're good, I'm good. And it took for him passing away to make me realize that it's enough. I have enough. I spend way more time with family and friends now.
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