If you’ve been active on TikTok, chances are you’ve come across the trend of women explaining and justifying their spending habits using “girl math.” This trend seems to have started from clips by a New Zealand radio show called “Fletch, Vaughan & Hayley.” In these segments, callers share the price of big purchases and the hosts help them justify it by estimating usage or potential savings, making it seem “basically free.” The trend has inspired many TikTok users to share their own examples of girl math logic, both for big and small purchases.
While girl math is meant to be a tongue-in-cheek joke, it resonates with viewers because it’s relatable and highlights people’s imperfections. However, it’s important to be cautious and not use girl math as a way to justify overspending beyond your means. To determine the tipping point, ask yourself why you’re doing girl math and if you have a plan to get back on track financially.
Calculating “cost per use” can be a helpful way to make purchasing decisions, but it’s crucial to do it before making the purchase. Some examples of girl math may not be as savvy, such as the belief that cash purchases are free. Research shows that this behavior is not exclusive to girls but applies to everyone.
The term “girl math” follows the marketing trend of attaching “girl” to everyday activities to make them more engaging and fun. However, this can perpetuate stereotypes about women and money. Experts advise against making girl math a regular habit as it can have negative consequences for society and your bank account.
Instead, acknowledge that small purchases add up and have an overall plan for your spending. Even if you choose to follow girl math, do it with intention and ensure that you won’t end up with a budget deficit. Seek guidance from financial counselors who can help you enjoy your purchases while also managing your finances responsibly.
Ultimately, make purchasing decisions based on your values and be proactive in understanding the consequences of your choices. Personal finance is a personal matter, so it’s important to make informed decisions and be aware of the impact they may have.
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