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“GIRL MATH!” What is that?





‘Girl Math’! A few weeks back, I stumbled across something interesting while scrolling on TikTok. I came across some amusing concept of “Girl Math,” a humorous way women justify their spending. It highlights the personal nature of personal finance, challenging stereotypes about women and money.

In 2023, the trend reflects the ongoing struggle for women to justify and apologise for their purchases, emphasising the importance of balancing indulgence with financial responsibility.

Some of you guys are probably still confused on what Girl Math means. These are some examples of Girl Math:

1. if an item in the shop costs £100 and its on slae for £50, when you buy it you are saving £50.

2. When you have cash it means free money and whatever you buy is free. Finally,

3. If you go out with your friends and you pay for everyone’s food, when they send you the money back later you just made money. I am not saying to spoil yourself from time to time, but we need to be financially responsible.

I aim to expand on the concept of “Girl Math,” exploring how women discuss expenses that may be seen as extravagant. It goes beyond just this idea, delving into how individuals navigate the increasing costs of life. Inflation is impacting the joy people find in their lives as prices rise. Despite these challenges, many manage to strike a balance between indulgence and coping with the surging costs. “Girl Math” reflects that what seems financially sensible to one person might not make sense to others.

Women frequently encounter the burden of societal norms regarding expenditure, savings, and income. The ongoing pressure to adhere to these standards can result in feelings of guilt and self-questioning.

Establishing a welcoming environment is crucial, allowing individuals, irrespective of gender, to educate themselves about finances and make choices free from judgment. At nudge, our commitment is to offer a supportive and inclusive space for people to enhance their financial understanding, make informed decisions, and build the confidence to manage their financial destinies.

I’d like to offer some suggestions to help you strike a balance and tweak your financial approach:

  • Mastering your budget: Evaluate your bill structure and consider negotiating some elements to achieve a more balanced financial state. If you’re not already adept, you will become so.
  • Self-worth matters: Don’t let emotions overwhelm you. Instead, channel those emotions to elevate yourself to the person you aspire to become.
  •  Embrace your investment prowess: Whether it’s £10 saved from a spontaneous purchase or a £1000 investment as advised by the news, recognize the significance of every contribution, big or small.
  •  You’re on a financial journey: Acknowledge your progress in pursuing money goals, whether it’s debt reduction, increased earnings, or expanding your financial knowledge. Be kind to yourself and incorporate positive affirmations into your routine.
  • Seek balance: Identify what a fulfilling life entails within your budget, and consistently align with it. This could be moments of silence, investing in services that fit your budget, or journaling to reflect on both life and your financial decisions.

Achieving financial wellness goes beyond prudent financial decisions; it involves dismantling stereotypes and enabling women to reshape the narrative surrounding their connection with money. Through the promotion of financial literacy, we can empower women to reclaim command over their finances, make informed choices, and contribute to a more promising and equitable future for everyone. Let’s stand together in this quest for financial empowerment, breaking free from the constraints of “girl math.” If you need help or more information get in touch with Wilson Organisation.

If you would like speak to one of our financial services team, contact Lucy Fields-Richards. You can find her details on our Team page.