How To Be A Rich Girl In 2026

Hello, Gorgeous! 

Here is how to become a rich girl in 2026. And a sneak peek into The It Girl School.🖤

You can have a scarcity mindset. But it depends on where you focus it.

Spending money seems to be a hobby these days with social media influencers pressing us to run don’t walk to haul specific items that sponsored them. 

This is the year you turn your money will come manifestation into true abundance. Concentrate your scarcity mindset on the right things. Which are the wrong things for you. 

By the end of this, you will change the way you think about spending time, effort, and money on the wrong things to focus on altering your legacy entirely. 

You are going to change your life’s timeline when you keep these things in mind. 

This post was sponsored by The It Girl School. Get the permanent glow up that will change your entire life and relationships in the first week if you do the things. 🖤

I am the Filipina angel who has come with a message. You’re welcome. 😇

There have been studies that the less you have the more creative and resourceful you become. 

The best filmmakers were on a budget. FedEx started with a guy on a bike. 

People are incredible when it comes to making more from less. I have seen this from 

• Housewives who are great homemakers stretching their dollar 
• single girls figuring out how to put their apartment together without asking for help
• and ladies who are good at asking for help whilst making others feel closer by offering their services. 

It’s not icky to ask for help. It depends on what you’re asking.

The African proverb has always stuck with me since I lived alone in a studio apartment in The Valley of Los Angeles 10 years agp. I always needed help with something but was dead in my tracks afraid to ask. 

If you want to go fast go alone. If you want to go far, go together. 

When they say it takes a village, it really does. Every person around you is affected by your decisions. It could be by the way you show up, how you respect yourself, or your energy itself. The more you show up the right way for yourself, the more you are respected and others want to help you. 

Put together people love other put together people. We see eye to eye. We have mutual respect.

Rather than asking for physical services, ask for advice.

Ask

What’s a good company for moving and packing?

Do you know someone who puts furniture together?

Is there a decent handyman or mechanic in this town you guys like who’s affordable-ish?

A lot of people naturally love giving advice and might tell you about a website they love with affordable solutions. Or they might step in themselves and have their family and friends help. Or they might show up to your place being emotional support while you try to fix things yourself.

Never be afraid to ask

People love helping others at the end of the day. We love feeling needed. They look back and want to assist or support even if it is simple as saying, I have no idea. I need this as well. Let’s look together! Others feel fulfilled and you feel closer to the ones you love. 

In other words, tell your friends and family what you’re up to so they feel included and they will automatically invite themselves to be at least a part of your support system. 

Don’t expect anything and simply share the information about your needs and ask around. You never know what might come. 

Make a list of the things you need and want in order of priority. 

I do this all the time even if it is a dream wishlist. I used to be able to throw myself at little and large luxuries, because I was all about the treat yo self mindset. 

However, when I look back, there were so many styles that were not worth space in my Forever Wardrobe or I did not enjoy the experience as much as I thought I would. 

My eyes were bigger than my stomach in that sense. 

I keep that wishlist FOR MONTHS to see if I still want those things.

Sometimes up to a year or more. 

I create a scarcity mindset around particular items that do not serve me in the moment or future. The reason is I have had similar products and experiences before that did not really change my life as I was sold they would. 

I found myself spending on things that depreciated in value calling them assets, because it made me feel good for a season. The trending season to be specific. A handful of items in my wardrobe or photos in my phone from various locations that I was not interested in looking at after a year. 

If you don’t have an iPhone, there are things called memories. I always see them and smile when photos of the ones I love come up. But when I see myself trying so hard to be on trend, I think I look stupid. 

At one point, I literally had an empty designer bag with a husband who was living paycheck to paycheck. 

He was not paycheck to paycheck necessarily 100% because of me. We had a lot of living expenses after we purchased a house and a few acres of land. We’re now divorced. But I still felt guilty for making us feel overextended when I could have put a decent chunk of change into smart things like our properties. 

These were things that could have compounded easily. They were assets that if I spent the amount of one Dior bag today, I could buy 4 new ones every month in a couple years. I was not thinking right. 

**My problem before then was I spent too much money on designer goods for my now ex-husband that when we moved, he cried tears of joy at all the thoughts I had of him scattered throughout the house. I didn’t have much money at the time but spent it all on him. He felt so loved and appreciated and him recognising that made me feel so loved. 

He hardly used the items, but I wanted him to have the option to use them. That’s what money is about. Options. Not keeping it and being stingy. Money is not the goal. Freedom is.

I love spoiling everyone around me as much as I can. 

It’s one of my love languages and I hope to do this forever. If you give me an ounce of happiness, I will give you the world, because you deserve it and more. The world is not enough. 

In lieu of doing this with flowers or chocolate, I will do it with time, healthy good food, and help lift furniture, showing up at your graduation, celebrating all the small and big wins, and babysitting your little ones. 

There are so many ways to show up for the ones you love. It does not always have to be gifts or going out to expensive places to show you care. Get creative with this and your life will be exceedingly rich. 

Now for the meat and potatoes.

You need to make your bills lose weight. This is where fatphobia should thrive. 

Hop on that treadmill, tell her to put the pizza down, and do all the accounting for what you are spending on. Girl, she needs a diet. Even if you don’t think so. Keep track. Give her some protein for that lean figure and high NEAT. Walk her everywhere. Get her to sweat out the water weight.

My bills used to be morbidly obese. I had a lot of money to spend on them, so I let them get that way.. 

I use Rocket Money – this is not sponsored by them. This is sponsored by The It Girl School. Rocket Money is genius, because 

• it automatically breaks down all your bills for you 
• telling you how much you’ve spent
• keeping track of when your bills will be taken out
• and a percentage pie of where you are concentrating your spending

The reason why I like this app is because other apps do similar things, but they will only do one part of what Rocket Money offers. One will only track your bills, the other will only track your total spending. Rocket Money also offers to negotiate your bills down or cancel subscriptions for you. 

If I look at my app and feel sick – I need to change some things yesterday. 

You should not look at your bills and want to throw your phone out the window. 

When you make mistakes, learn from them. Learn fast and use action to find bespoke answers for yourself that make you feel even more luxurious later down the road. 

Stupid things I’ve spent too much money on

• Subscriptions I hardly touched
• Streaming services
• Software bills that I rarely used for my business 
• Going out to eat at bougie places
• Beauty treatments that barely made a difference and I wanted to try to say I did

Instead of watching streaming services that add up with several different companies offering shows I want to see, I might rent or buy them on Apple TV instead. They are stored in my Cloud forever and I never have to worry about spending all this time on them by searching on the internet if there are free streaming apps for this. 

Remember that money is time and effort. 

I do not think this is $40. I think in terms of this would be 2 hours of my day if I worked this office job. That’s a horrible rate of return if you’re not getting much from your purchase. 

I want to be worth the value of $1,500 an hour one day. Some brilliant business people charge $50,000 a dinner to sit next to them and ask all the questions they want. This is a real thing, so you have to value your time and effort the way they do. 

Which also means you also have to learn how to deliver impact with immediate actionable results for yourself in order to create this transformation for others. You don’t have to charge for it, you can learn to do it for yourself.

I do this for shopping, because I live in LA. 

Parking and traffic are horrendous when I’m going to a store to try on an item. That is a minimum of 2 hours of my day in my car. If I work an office job, that’s already $40. 

I call ahead of time to see if they have an item in stock, because everything gets sold out so fast here, and it’s really busy. There are multiple locations that will not have the product. 

Then I have to pay for parking or valet depending on where I’m going. Sometimes there is parking and you have no choice but to valet. Either way, wear comfortable shoes to walk far or give your keys up. Next, I will go home not buying anything, because I see the quality is not up to my standards. 

I’m disappointed by all the time and money I spent, but even more so in the brand. I blame them, because it was not convincing enough that I came home empty handed. Your photos online are persuasive, but not in person. There is nothing worse than a catfish. 

This is not money wasted. It was tuition for a lesson I needed. 

I cancelled all of these useless bills except eating at bougie places. Now, I eat at bougie places less or find restaurants and establishments that are somewhere in the middle. If they are cheap, I have experienced food places that made me sick. They are cheap for a reason. 

If they are expensive, I can get the same beef tartare that makes me feel nourished at another upscale restaurant in a more accessible location. In other words, a cheaper neighbourhood. Swap out your decisions for smarter ones. 

You’re not broke. You simply have no hobbies.

Find something else to do to fill your brain space. Rather than becoming a vegetable watching someone else’s content, I create my own. Whether it is with cooking and getting creative with ingredients in my fridge, doing very much needed chores I’ve been lagging on, or finding ways to service my clients. I love overdelivering. 

It could also look like writing in your journal, organising your clothes for the week (I really love steaming and cleaning my clothes), and doing small things to make you feel more put together and accomplished. It’s the little things. I love the feeling of being able to relax with a book or several saved articles after my apartment is clean. I spend more time taking care of my cat and playing with him. 

Find ways to keep your brain on and hands active when you find yourself losing your personality even if you are low energy. 

Don’t do something that makes you feel burnt out or a 100% waste of dead time. Work on skills or things you want to do more of. Simply using your time wisely and managing what you want to do more of that makes you feel richer in your brain, your heart, and bank account.

I become more socially adept the more I work on my business, because I show up for myself, make more money, and have more of a high impact return, because I am using my brain more. 

I have never been snappier with jokes, found more compliments to share, and have more to contribute to a conversation, because I simply show up especially when I don’t feel like it. 

You literally become more stylish when you show up for yourself.

Also, when you’re more social, the more you want to be stylish and dress up, because you are wearing your clothes out more often, so they get dirty. You need more options. This high impact value version of myself has literally made me more stylish and selective with shopping for better clothes for my Forever Wardrobe. 

I had this great lull in style and beauty last year, because I was very lost. With a work from home job, I felt a bit aimless not liking my job, and half-assing my content, because I was burnt out focusing energy on things I did not like. 

You can still turn off your brain. Pair it with something else that serves you.

And/or those around you. A hack I have learnt is realising I HATE multi-tasking. Full focus giving 110% is my modus operandi, because I always want to do a good job when it comes to showing up for myself and others around me. 

Instead of fully watching a YouTube video I have saved for later, I watch it on my hot girl walks on the treadmill. Make sure your AirPods are charged, phone is charged. Be prepared. Make it easy. Always have an easy plan.

My goal is typically around 1.5 hours walking 3.5 miles per hour, so I have 1.5 hours a day to consume content. But I’m still doing something good for myself. I look in the mirror and I have abs from watching a video. In addition, I have more information watching educational business videos, health videos, or recipe videos. I take so much home.

I do not go on social media unless it is to post or engage with my friends abroad or near. 

I usually do this when on the treadmill. 

When I want to relax, I like to cook and clean and rub my sweetheart’s back to help him relax when he gets home. He works a 12 hour shift. Rubbing his back is something I can do all night. It doesn’t take me energy. I will have a notebook or lap top beside me to fill with ideas. 

It’s hard for me to read when I’m next to people, because I want my full concentration on them and their needs. But I am learning to do this as we live together. It’s another version of scarcity mindset / being accommodating. I have to read alone starting out loud then read in my head. It’s weird. 

Don’t get me wrong. I’m not saying don’t go out. Go out! 

I go out every other night with my girls. Sometimes consecutively. We never spend money. However, I come home so rich with integrity learning how to say no, set boundaries, learning how to talk to so many different types of people who approach us, pitching myself and my business, growing friendships with my girls, and opportunities to promote my perspective. 

What I’m saying is be strategic in the highest return on investment situations. 

Put yourself in a place where you can meet more people. You don’t need a business card. You need to learn to talk to people. Let them get to know who you are and what you do. This helps you master yourself.  

When with your girls, especially if you know each other from business or work, or if they work a separate career, I think it’s important to chip in when spending with the tip as well. Don’t be stingy with people whose relationships you want to grow, because it will benefit all of you greatly. 

Go out for a shorter time.

The longer I stay with my friends, the more we are bound to hop around trying out different spots. Call it a night earlier and leave them wanting more. I see my girls and go out at least three times a week, but I always come back with more money in my wallet simply with this trick. 

I have a goal to reach and let everyone know around me. They support that and I am lucky to be so grateful. Also, it is so sexy to go home to sleep early and take care of yourself. Everyone wins. 

Tell your girls you’re on a budget.

You don’t have to say it that way. You can say, ‘I don’t have that luxury right now, but I’ll let you know real soon when that changes.’ If they’re your true friends, they will understand and instantly remedy your wallet with a more affordable spot. Easy. 

You never know other people’s situation.

Others might be budgeting too but not as open about it. Money is so uncomfortable for people to talk about. My girlfriend will tell me she is ordering less at a cafe because she is not trying to pack on too much grease and wants to get her nails done the next day. That’s a flattering sign of trust, and I do not take this lightly. 

There is no shame in being smart.

It’s perfectly okay to share our goals with the right people, because we are all dieting either literally for our body or literally with our budget. This is not restriction, this is smarter decisions to stabilise ourselves now and our future. 

Rewire your brain to train being smart. 

I was headed to work one day and sat in my car thinking:

I’m so tired. 

I want to be home and cosy, because it’s really cold outside. 

I have low energy.

Thinking of all the excuses. Immediately, I caught myself putting my scarcity mindset in the wrong place. Wai-wai-wait. Stop, stop, stop. 

I instantly switched it to 

I have work. 

I’m going to come home with more money to support my business and family. 

It’s only a few hours. I’m in and I’m out. 

So I blasted Beyonce to hype myself up in the car and put a smile on my face. When you radiate, when you glow, you make everything work for you. 

You’re too sexy for this world.

Forever you’re that girl.

Alien superstar.

Here are little things tricks I use to save money everyday

1. I learnt how to make coffee at home better than coffee houses. 
2. I learnt how to cook whole foods. I make roasted potatoes that taste better than potato chips junk food crap from the store. I make my own sauce from scratch, bread, and handmade noodles. Eat fresh food. There are no chemicals if you make it yourself. You can eat carbs all day long and not gain weight if you make it yourself.
3. I don’t do my nails at all anymore, and can cook and do things better, because I have more accessibility without worrying about breaking a nail. 
4. I return clothes that didn’t suit me right away. 
5. Get glam daily. I am doing a 365 days of fabulous challenge. – There is a study done that people who take care of themselves by looking put together make 30% more money annually than those who don’t. My theory is because you want to show up more. You feel good. 
6. I use the stairs and walk everywhere, so I do not have to buy another workout course. 
7. I create a moodboard that is my wallpaper to remind me of my goals everyday. My goals are not about me. They’re about giving my grandchildren opportunities and options.
8. I use what I have to death. Nothing is wrong with the bags I have. I use them till they fall apart. I tailor clothes I’m not using or give them away to women’s homeless shelters or friends. Goodwill takes your clothes for free and profits off of it. You can change the life of one woman who needs one outfit for a job interview to fix her situation. 
9. I pay my bills annually versus monthly so I never see my bank account drained every  month, and I save a couple months off with these plans. 
10. I drive a low maintenance car that doesn’t have payments. It’s not flashy, it’s lowkey, but still elegant, because it’s black. As long as I wash it, it looks expensive when I valet. 
11. I squeeze my bills like lemons and make sure I’m either using the software subscription or ask myself if I have the time to do the thing rather than pay for this convenience. I love lazy girl luxuries but ask myself Am I being too lazy.

Put yourself first. 

Do not be ashamed to do so. When you put yourself first, you can show up for everyone around you at 110% and your relationships get richer. Your life gets richer. 

Quiet the noise.

Step out of the chaos by working on where you are weak. Don’t spend money for status. Don’t spend money on being accepted. Why are you pleasing people you don’t even know? Strangers you don’t even like? It makes no sense. Make it make sense for you. This is your year. 

This was a sneak peak of The It Girl School.com.

If you loved this post, join The It Girl School to dive deep into more strategies and tools on how to have a permanent glow up with seeing results in the first week of change as long as you do the things. 🖤