Master the art of on-the-spot financial decision-making

Let's to Do the math in your head 

1. Justify purchases in the most feminine, strategic, and slightly delusional way.  

2. Do instant mental calculations with the the information in front of you

3. Step-by-step guide to do Girl Math in your head effortlessly.


Step 1: Identify What You’re Buying


Before you start calculating, ask yourself:

• Is this a necessity, an investment, or a treat?

• Can I justify it with future use, savings, or convenience?

• Do I already own something similar? (If the answer is yes, girl math will fix it.)


✨ Tip: Mentally categorize the purchase so you can quickly apply the right Girl Math formula.


Step 2: Apply the Right Girl Math Rule


Now, pick the justification strategy that makes the most sense for your situation:


1. The “It’s Basically Free” Rule

• If it’s under $5, it’s free.

• If you pay in cash, the money was already gone, so it doesn’t count.

• If it’s a BOGO deal, you just got something for free.


✨ Example: You buy a $4 iced coffee. In your head: “Basically free.”


2. The Cost-Per-Use Calculation

• Take the total price and divide it by how many times you’ll use it.

• If the price per use is low, it’s a great deal (even if it’s expensive).

• If you’ll wear it multiple times, the cost disappears over time.


✨ Example: A $200 coat you’ll wear all winter. Girl math: “Less than $1 per day = FREE.”


3. The Money-Already-Spent Logic

• If you bought something weeks ago, the money is long gone—it was basically free.

• If you use a gift card or store credit, the money is already spent, so it’s free.

• If you return something and buy something new, you’re not spending, you’re exchanging.


✨ Example: You buy a $50 dress with a store credit. Girl math: “Not real money.”


4. The Future Self Investment Trick

• If your future self will thank you, it’s a smart purchase.

• If it helps you feel hotter, smarter, or more put together, it’s a necessity.

• If it saves time, stress, or effort, the cost is irrelevant.


✨ Example: A $70 hair dryer that cuts your styling time in half. Girl math: “This is actually saving me money.”


Step 3: Check for Hidden Savings


Before making a final decision, run a quick mental scan for extra justifications:

✔️ Is there a student/loyalty/discount code?

✔️ Is it tax-deductible or a business expense?

✔️ Will this help me avoid a future expense?


✨ Example: You buy a $30 planner. Girl math: “If I stay organized, I’ll make MORE money.”


Step 4: Convert the Price to Time or Value

• Compare it to hours worked. “This is just 2 hours of my job.”

• Convert it into daily value. “$100 sounds expensive, but it’s just 30 cents per day for a year.”

• Think about how much happiness it brings. “If this makes me happy, it’s worth it.”


✨ Example: A $250 bag. Girl math: “If I use it for 3 years, it’s practically free.”


Step 5: Final Mental Validation


If you’re still unsure, run your decision through these final Girl Math rules:

✔️ Will I regret NOT buying it? (Yes? Then get it.)

✔️ Can I manifest more money later? (Always.)

✔️ Does it contribute to my Hot Girl Aesthetic? (If yes, it’s necessary.)


✨ Example: You hesitate on a $60 dinner. Girl math: “I deserve nice things.”


Bonus: Advanced Girl Math Strategies

• Reframe it as a health expense. (“This juice cleanse is an investment in my well-being.”)

• Make it about self-care. (“Therapy is expensive, but shopping is cheaper.”)

• Use the “future budget” trick. (“Next month, I’ll be more responsible.”)