Are You Part of The Girl Math Trend?

5 min read
Are You Part of The Girl Math Trend?

Surely, you’ve heard about girl math? It’s all over tiktok and other social media platforms. If you haven’t, you’re in for a treat, we are going to give you a list of our favourite ‘girl math examples’.

The term, ‘Girl Math’ has been coined from girls/women sharing reasoning they have behind financial decisions they make in their head, that don’t actually make sense to anyone but themselves.

Women are incredibly intelligent beings, managing households, careers, and personal finances with skill.

Yet, we have our reasons for treating ourselves, and sometimes those reasons are wrapped up in what we humorously call Girl Math.

girl math 1 | Stay at Home

I’ve always been a bit of a saver, but love a little ‘treat’ everyday, or most days. I’m a millennial and view money a little different to Boomers and different again to Gen Z. If you’re absolutely terrified of money and the ‘finance’ world, same.

My husband has always been the risk taker, financial guy, but introduced me to a couple of ease-me-into-finance books and podcasts, I’ll share them below.

The unveiling of girl math has made everyone come out of the woodworks with their unique calculations, frankly I’m here for it.

It’s very 2023 that there is a now a term for the reasoning in our head for our unnecessary purchases, Girl Math. Economist and financial experts are absolutely not having any of it. Nobody needs to be worried, we are fine, who run this world, GIRLS.

woman on the phone | Stay at Home

We manage budgets, make investment decisions, and run businesses. If we want to make up little reasons in our head for spending money, you do you boo, just keep enough to keep that roof over your head, and food, and car, and insurance. You get it.

Lets just dive straight in, our favourite girl math:

  • Cash is free money, if it never went in or out of your bank account its free
  • If I don’t spend my daily budget, its double the next day
  • If I cancel plans, I’ve saved money
  • If I don’t spend the minimum amount for free shipping, I’m losing money
  • Any money spent in an airport is a free for all, $7 muffin, yes please
  • If you get public transport you’re saving the planet and your wallet and you can spend more where ever you were going because you didn’t get an Uber
  • Paid with my credit card and someone gave me money, free
  • Paid for the dinner with all my friends and they all transferred me money back, made money
  • If something is $299 its $200. (This is the only one i cant agree on, I don’t like it)
  • Purchases under $5 or $10 don’t count
  • If something is on sale and you don’t buy it, losing money
  • Botox counts as an investment
  • If I buy a $400 bag and use it everyday, thats basically a free bag

Maybe its because I’m actually pretty good with my money and have always been a ‘saver’, and am actually pretty frugal that’s why I can laugh about it.

grocery | Stay at Home

Please don’t find a way to blame me for your financial downfall if you take ‘Girl Math’ to heart. Things are pretty dark and depressing out there, this is some fun that unveils our private conversations in our head to ourselves.

Remember, it’s important to manage your finances wisely, but its also okay to treat yourself from time to time. We are all incredibly intelligent and capable, and a little ‘Girl Math’ is just a way to have a bit of fun in the midst of it all.

I have listed some very easy to read and understand financial books that I started with:

These are all available as e-books as well, listen on your drive/commute.


Here is some great youtube and podcast stars that make finance fun, some use humour and witt, some are incredibly blunt. Each to their own and what kind of learner you are.

Rask Australia

YouTube channel that provides educational content on personal finance, investing, and wealth-building in Australia, helping viewers make informed decisions and achieve their financial goals.

Andrei Jikh – Known for creating content related to personal finance, investing, and cryptocurrency, with an engaging and educational style that makes complex topics accessible to a broad audience.

WhiteBoard Finance – This guy is all about transparency and open communication with his audience. With real-world experiences to share.

Nischa – An Investment Banker, with an accountancy qualification. Explores all things finance + business.


Planet Money: Covers a broad range of financial topics in an engaging way and helpful for someone trying to understand the financial world better.

The Frugal Friends Podcast: A fun an relatable podcast about saving money, frugality, and approaching finances with a minimalist mindset.

The Smart Passive Income Online Business and Blogging Podcast: Relevant for stay-at-home mums interested in starting a side hustle or online business.

Have we missed any of your favourite finance educators? Comment below and we would love to update our favourites.

girl math 2 1 | Stay at Home

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Jaide Bidwell

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