15 Comments
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Aya Leigh's avatar

The term financial North Star is genius. I love your content!

Ruby’s Studio's avatar

When I was saving for a deposit for my first flat in London that was in every decision I made. Every taxi, every takeout, every pint. I did it - but it took serious discipline! That pay rise? In the savings pot. That bonus? Same. The end goal was far sweeter than any new item of clothing could have been!

Mia McGrath | Frugal Chic®'s avatar

Love this thank you for sharing!

🍂lillia🍂's avatar

The 30 day wishlist is such a good idea! I've also seen people set boundaries around when they spend (like only spending on Fridays) so they can make a list and revisit it then.

SJ Fallick's avatar

Such a powerful reframe from restriction to intentionality, and the actionable steps are super useful. I've been practising values-based spending, but will now implement the financial north star this year!

Shelley's avatar

Mia, I first fell in love with your content on TT, and now I’m loving everything I’m seeing on Substack. Keeping us all mindful of our cash! I mentioned you in a previous post, I’ll have to share it with you! Xx.

FemWealth's avatar

"Does this move me closer to the life I want?’ is a far better filter than "Can I afford this?"

Darling Musings by Habi's avatar

I enjoy the frequent newsletter. 2-3x a week is fine by me. Thank you for this insightful post. 🤎

Amanda Johnson's avatar

Loveee this Mia. Please blow up my inbox haha

Cashflow Chaos's avatar

Love this article!!!

AroonvongV's avatar

Thank you for the inspiring content x you are the modern day real life version of Rebecca Bloomwood!

Sasha’s Bazaar's avatar

Number 5 hit hard. Loved this post ! And also loved loved loved your YT video about your minimalist wardrobe. Inspired me to buy nothing in 2026 and guess what - it’s been barely a week but how liberating and how many different combinations did I discover with my current clothes, that’s wild !

Madison's avatar

LOVE your content so much Mia! You're one of the only newsletters that I read every single time. Thanks so much!!

mimi🌺's avatar

U're one of my fav blog/newsletter out there, and you're not redundant while being extremely encourageous and inspiring. Thanks you for your frees classes! Love the rythmn. x 💌