Tired of impulse spending? Here's how delayed gratification can change your entire financial future.

In this episode of the Female Finance Collective podcast, Jen and Meri-Li dive into the power of waiting. From impulse buys to vacation plans and even home renovations, we explore how practicing delayed gratification helps you spend more intentionally, save more effectively, and feel more fulfilled.

Hear personal stories, practical strategies, and small mindset shifts that help you pause—and actually enjoy your purchases more while still working toward your big money goals.

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Timestamps

00:00 – Meet Jen, Meri-Li & Sybil

00:59 – What is delayed gratification, really?

02:17 – Mary Lee’s story: impulsive spending and transformation

03:28 – Why your brain is wired to spend now

04:52 – The joy of dreaming vs. buying

06:00 – Jen’s real-life examples: wedding dress drama + weekend trips

07:16 – The 24-hour cart rule

08:07 – How to calculate purchases in work hours

09:24 – Delay now, boost your debt payoff

10:38 – Cup overload & money clarity

11:23 – Financial goals = motivation to wait

12:37 – Gratitude for what you already have

13:34 – Delay the big stuff too: cars, houses, renovations

14:58 – Budget-friendly yard updates and sweat equity

17:09 – Freshening your space without breaking the bank

18:56 – Why thrifting helps your brain and your budget

19:26 – The mindset shift: it’s not sacrifice, it’s strategy

20:18 – Books, plants & creativity as no-spend challenges

*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.