10 Money Management Tips For Extremely Busy People

[@camela8445Mar]

Being super busy often means money management takes a back seat. But it's crucial to find ways to handle finances efficiently amid a hectic schedule. From automating bills to setting clear financial goals, finding a balance is vital.

[@V.stones]

I get the struggle of managing time and money. Using budgeting apps helps, but as things get more complicated, having a financial advisor could simplify the process, offering personalized strategies for busy individuals.

[@Annie2229]

Totally get it. I neglected investments due to a busy schedule and realized the value of a financial advisor when I faced potential losses. Having someone knowledgeable made managing finances way easier without taking up too much of my time.

[@Jonesmatsunaga]

​@@Annie2229That sounds similar to my situation. How did you find an advisor who understands a busy schedule?

[@Annie2229]

I went for "Nathan Travis Cook, " a financial advisor known for helping busy professionals. Nathan Travis Cook's financial tasks and gives straightforward advice, making it a lot more manageable.

[@MONROEJACQ]

Thanks for sharing. I'm in the same boat with time constraints. Considering Nathan Travis Cook for guidance sounds like a good idea.

[@rhondalyn100]

Thank you for encouraging your viewers to use cash. Using cash helps me to keep a strong check on my spending. I look in my wallet and think twice about buying that ribeye that looks so delicious in the meat counter, for instance. I get ground beef and fry it up as a "hamburger steak". Sometimes...I get the ribeye but only if my wallet looks flush enough for me to do so. Spending with cash helps me to spend less and save more. 🙂

[@MadisonBriggsArtchick]

So nice to see you and Star settled in together. As a long-time dog owner, I will tell you it makes so much difference as a single person to have that companionship. Great tips today! Thanks so much!

[@isabelbecerra9258]

@A-williams-I wanna see star!!!

[@nicolasbenson009]

So much knowledge! Absolutely free! I was never taught anything about money, I am praying and working to change that. I am 46 no retirement no savings because I made a lot of mistakes when I started investing, trying to correct that now. Already have a few thousand$ saved up to invest for long term. I would like to know what advice you could give to start my investing journey. Listening to you gives me inspiration and wisdom. Thank you so much!

[@Kin-28-8]

Just buy low sell high. Stick with a good company by either not selling when it’s going lower and/or buying more at that time. Almost always the good well managed companies will come back strong at some point. The other is to get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.

[@DorathyJoy]

Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.

[@ScottKindle-bk3hx]

Really? I’ve actually been looking to switch to an advisor for a while now. Just never made up my mind. Any help pointing me to who your advisor is?

[@DorathyJoy]

Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Melissa Terri Swayne’ for the last five years or so, and her returns have been pretty much amazing.

[@Suleferdinand]

I just looked her up on the internet and found her webpage with her credentials. I wrote her a outlining my financial objectives and planned a call with her.

[@marias8007]

Best tip I'm takin from this is dividing your money into 3 parts: spending, emergency/saving, growing brilliant

[@A222Z]

I agree -- although I like convenience & comfort, I rarely eat out (I trust my cooking = ingredients & process) = usually for social purposes, & I will probably never use door dash & similar services. I plan my errands for same location & usually shop every 6 wks = using freezer for veg/fruit, plus growing things in garden & hydroponics planter. My online purchases are 'well thought out & planned for. My frugality = that i hate waste. 😊 Appreciate content in videos. 👍

[@simplefoodsimplelife9632]

Thank you Austin. You always have a way of simplifying what others try so hard to complicate. It is much appreciated.

[@ElAgustin]

Thanks! I try to keep it simple!

[@avenj4659]

I concur

[@D47JoyUnited]

Austin, I really appreciate your channel, you give your time to educate us and help us stop sleepwalking into eternal debts. As a working class, minimum wage lady, I am not one to fritter money any more. I use to though, when I earned more , I spend most of it on god knows what. I look around me and none of the things I purchased are in my life now, except my home. Thank goodness I still have that I am still able to pay for that. If I understood how I was trading my time for such a paltry salary and spending like mad, I would have stopped and been totally sorted, anyway better late than never. I am totally grateful that you took the time to break it all down, the way you present would even be great for children who are already being sucked into the material traps.

[@ana-maria.vătavu]

Buy nothing... what a bold and useful advice. I also have all my accounts at one bank and I really try to make as many purchases in cash as possible. And last but not least, what a cute and good dog, she truly deserves a treat.

[@plappin]

Excellent tips -- it does seem like people are busier than ever and I wonder how much of that is just our spinning our wheels, like we're addicted to constant distraction and that feels like busyness. Is there really so much to do or do we just have so much at our fingertips at all times: shopping, reading email, keeping up with current events, checking social media. How many of those are necessities and how many of those are just things we think we should be doing but don't really have to. 'Tis a puzzlement!

[@Aria.n.]

Would love a video on this, it’s such a good point

[@char5477]

Good idea to put your list of bills on the fridge to see it all the time.

[@ElAgustin]

I saw someone do that the other day and thought it was a good idea!

[@A222Z]

I have a monthly 'urgent' list = time sensitive tasks go on this list. My goal = process one task ea day, but I usually end up doing more than one = having completed all urgent tasks in less than 10 days & able to work on less urgent things & keep 'procrastination' at bay.😊

[@isabelbecerra9258]

So young so authentic and so intelligent, thx so Much for sharing!

[@ElAgustin]

Thanks for watching!

[@audreyhuggins8822]

On your way to 100,000 subscribers! I will look forward to your KZbin play button Silver Plaque recognition; very well deserved for all your work & dedication.

[@ElAgustin]

Yeah! I can see it and hopefully in a few more months! It will be cool as I've been at this for 2 years now!

[@shehnazahmad5213]

Hi Augustinho😅, This is from Johannesburg, South Africa 🇿🇦. I work for myself at the moment. Here we usually work Monday - Friday 08h00 - 17h00 And some companies on Fridays leave 14h00. Others start 08h00 end 16h00 or 16h30. Paid leave some companies give 15 working days and others 20 working days +Medical Aid you guys call it Health Insurance. + RA you call it pension? Sometimes if you blessed receive 13th Cheque we call it double pay in December or bonus according to perfomance. Saturday no work and sunday ad public holidays. I uses to work as Debtors Clerk in Finance. I am currently looking to go back to fulltime job. Just thought I should share😊. Lots ❤ Enjoy the Dog

[@alexenright1743]

Been doing #6 for years now, debit cards gave me high anxiety because I had to guess if I had enough for food. Too many times in the check-out where I had to tell the cashier to take off items from my bill. Cash is MUCH easier!

[@ALEJANDRAAGUILAR-um1ep]

Hello, you are my favorite youtuber, you have given the best tips that has been changing my life for the best❤ keep up the great work Austin 😊

[@ElAgustin]

I'm glad!

[@manel-uo7nj]

I love having seperate accounts for saving paying and investing it makes it more clear for the brain and faster so i desagree with you in this point 😊

[@ArafatBukhari]

Hello 👋👋 Agree 👍. I don't Buy wasted Stuff Anymore. Frugality lifestyle believer. No lifestyle Inflation.

[@justnoticing]

My favourite tip from this video and one that I need to be more mindful of is to remember to equate the cost of a purchase or a convenience in terms of time spent to earn that amount. Thanks for the reminder. Love the clip with Star at the end.

[@lindafuller446]

I am so glad you got Star. Your quality of life just went way up!! ❤️🌟

[@gerrikim8545]

Love seeing Star at the end of the video 🥰

[@pinkmoonrisin]

Thanks for sharing your doggie with us! So cute!

[@A222Z]

I do similar in the handling of money, having multiple checking accts = one is only for money that is paid out, & several for deposits coming in = more of a security measure for me, but nice for division of money as well. .. I'm still 'ole-school' in payments = I don't like anything automatically coming out of my accts = I like my monthly & personal handling of everything. .. i also don't like ' monthly subscription of products either, even though the price is less = i usually use way less. And I sometimes get tired of current products. This gives me peace of mind, knowing I have 'full control'. 😊

[@Barbara-te7xz]

Paper ledger and lists WORK! Great advice

[@pattykake7195]

I see you have some lovely new duckorations…and a rather beautiful little dog..👍🏽👍🏽

[@Mary77129]

Muchas gracias Austin!, soy fan de tus videos, genial personalidad y me alegra a veces ver palabras en español en los videos :D

[@abigailpereira3230]

Thank you for this video. It’s pretty sound advice 🎉

[@gingermarx]

Been looking forward to meeting your dog. What a cutie!

[@lindyft1488]

Your doggy is so lucky

[@livingoncoffee]

That was a good finale with the dog!! So cute!!

[@kat_thefruitbat]

Awesome video as always, El Augustin! 👏😊 To your point about most people incurring extra monetary costs from the convenience of online shopping, I will add that making this a bad habit will also cost a lot of extra time. Like you said, shopping in-person has many barriers attached to it (eg. having to drive to the store) that prevent most people from going more often than is necessary. We are forced to be more mindful of how much time, and money, we are spending while shopping in-store because the only reason why we’re there is to buy what we need/ want and leave. So, someone who doesn’t shop online and only goes to physical stores once or twice per week might spend two hours of their time on shopping in total, maybe even including their drive time. But for someone who regularly browses/ shops online, if they spend 20 minutes of their time online browsing/ shopping every day, they will spend 2 and a half hours of their time by the end of each week. Each set of 20 minutes doesn’t have to happen all at once either…maybe every day it’s 10 minutes at your lunch break and 10 minutes in the evening….it all adds up! P.S.- The city I live in (in midwestern US) does not give you the option to autopay for your utilities….It’s very annoying.

[@Denisebemmett]

Blessings! Great tips🙏🙏

[@ExtraGuac007]

With one bank, you risk being paralyzed if that account get hacked or the bank does some knucklehead things to your account. Have at least a second dormant account that can be reactivated immediately in case of emergency.

[@danicegewiss862]

Change your password. It's less hassle.

[@ExtraGuac007]

@@danicegewiss862 Change password, use VPN, use 2FA but hackers are still going to hack. Plus, you can't control Equifax, etc getting hacked.

[@amyk6028]

Great video. You always have great tips ❤

[@melissam6037]

That is a great idea to have all accounts at one bank. I break my spending money k to 2 accounts, one for bills, and another for personal discretionary spending. I transfer a (small) budgeted amount to personal spending each week, that makes it easier to decide if I can afford a purchase.

[@Luncheon23]

The background is awesome Agustin. Love the plant display! I found this video very engaging and the ideas are actually quite novel. Will be using #3 regularly.

[@ElAgustin]

Thanks!! I'm glad!

[@tracynorman4883]

Hi, UK based with a good job. 33 days paid leave plus 8 Bank Holidays paid. I am shocked by the American allowance!! I couldn't cope!! Love the hexagon plant shelf ❤

[@ElAgustin]

It's crazy how normal it is here and nobody is trying to change it!

[@ronettemalone]

Oh! Star is so adorable! ❤❤

[@NIEMILYFACET1980]

True, great video thanks

[@TodayHiker]

Just hearing this mans voice makes me wanna save money 😅

[@DesertMav]

Very solid video this time around. Good to see that you have a fur companion now. Regarding the time off, I do tend to overwork quite a bit, but I am going to take at least two weeks off from work this year.

[@rachelwalsh4378]

Great video, great tips & cute dog 🐶🏴󠁧󠁢󠁷󠁬󠁳󠁿

[@ShellyCap9]

I get 12 days PTO a year plus 6 use it or lose it sick/whatever you want time. My company has it any hours under 40 not used in the year you get paid out in Jan/Feb. So I usually do that, but still use my other 7 days plus 6. Oh and I work at a bank so we get lots of holidays too lol

[@kimlahr1914]

Hi austin love your videos I am a big animal lover I LOVE your star !!!

[@PrinceAbraham-rg4tc]

This is the great plan,...but I found myself just embarking on this plan unknowingly. This video has act as a confirmation

[@derrick8224]

Can you do a video comparing your cost of living of Colorado vs Georgia

[@suecook8379]

You doggy is beautiful and apartment looks nice.

[@Mitzi104]

Gracias, Augustin❤

[@dpayne1943]

Your dog is very adorable!

[@ElAgustin]

She's cute!!

[@Weepingbrother7nn]

Than you.

[@daviddean6032]

Thank you Austin. Another great video and I have been doing your number 10 lately and turning off my cell phone. I like the feeling that even though everybody can contact me, I can choose when to contact them just as they had chosen when to contact me. ❤

[@juliemarkham4332]

I stopped ordering pizza because the delivery costs plus the tip were becoming as much as the pizza with a coupon price. Now, I drive a couple of miles and pick it up, and use a Dollar Tree hot bag. It is less convenient but a cheaper workaround. The downside is less trips in the winter months. I also have a subaccount on my savings account for an emergency fund, so they are separate. Can you make a video on how you are handling paying twice the amount in rent now?

[@ElAgustin]

I'll see if I can make that video happen! My rent was just ridiculously low for so long that I was able to save so much money that, at least for now, doesn't hurt me financially. Like for 2 years at my past job, my rent was about 15% of my income, and they say it should be no more than 33%.

[@juliemarkham4332]

@ElAgustin Cool, thanks! My mortgage payment is about 19% of my take-home pay. I've always lived lower on the end in rent. I don't think it's necessary to live in a fancy or large place.

[@debbiewalker273]

Great advice as always Austin ! Keep it coming, it really helps keep my spending in check. What a good and cute puppy girl you have ! 💜

[@mcdianer]

Love seeing Star in your video. Is that a German Shepherd. Great advice , I especially love the one on multi tasking. Only time I multitask is singing country music while driving.

[@ElAgustin]

She's a shepherd mix. She's a lot smaller and leaner than a German shepherd. She's a good dog though, a bit nervous around strangers.

[@judyduncan1852]

I spend less when i use cash

[@nockneed6809]

Really like the cash tip! I still have pocket money each week 😆

[@barbarap3676]

Hi Austin, great video with a lot of good ideas, as always. I am curious, I do things a bit differently, and I am wondering if anyone else does this also. I rarely use cash and here’s why. I have four credit cards due to my husband passing, and because one cannot cancel credit cards without having their credit score hit. So I have kept all four, and they are all cash rewards cards. So like you, I do auto pay, but I do it to the four credit cards, based on which gives me the highest percentage cash back for the category. I pay off all four credit cards every month, but utilizing the credit cards this way instead of cash, I make money on my purchases. And keeping cash in the bank also gives me a bit of interest instead of withdrawing it for spending. Does anyone else do this? 🤔

[@BlueMoon-v1o]

She's very pretty! 🐕

[@autobotdiva9268]

auto pay is a must for my 22 yar old with adhd. i set it up for weekly

[@ChrisJCarter]

Very informative video, Austin! Thanks!

[@lee-13]

15:35 So where would you save for a ef. new refrigerator or travel ?

[@kingchris6998]

Great video

[@victoriastewart7116]

more videos with dog please!

[@frehatipu9187]

I do much of what you've listed here. This is effective advice ❤

[@KINGTHEYORKIE]

I used cashed today to buy food and it definitely hit different lol What’s her name!?

[@ElAgustin]

Star!

[@TheJoPaXXXX]

Im living in Sweden,make 3000 $ before taxes a month. I have 25 payd vacation days a year. Im a truckdriver.😊

[@danicegewiss862]

I have friends in the US who were long distance haulers. They made good money, but they had no life. They would get home, fall into bed and sleep for a day. They would wake up, get a call and be out on another run. I hope that doesn't describe your life.

[@fernandaglavan]

Using Cash helps

[@letitbesaid8888]

Very true.

[@Abraham.Lincoln22]

Yup, that is a very good pooch. 👍

[@Revert2017]

I spent so much of my life spending money on conveniences I “needed” because I was working 2 jobs to pay for the convenience. I was a royal dumba$$

[@jerrychetty2524]

Nice dog! I have 4 dogs ❤❤❤❤

[@50tigres79]

You should not buy anything, don't eat anything and don't go out at all. you would save so much money like that.

[@loriella6250]

I love ⭐️!

[@gulden_lover]

Nice video!

[@Jacquie_Kirk_111]

Cute doggo!

[@MFox-tu2co]

Awesome ❤

[@ElisAnd235]

No vacation? I live in Europe and every year I get 30 paid days of vacation

[@PrincessLoX0]

Okay so I’ve cut down on my spending, BUT… I have a problem with snacks. How can I not blow my money on snacks? 😩😩😩

[@ElAgustin]

If you enjoy snacks and it's not causing a problem then keep the snacks! Maybe instead of getting them at convenience places, just be more prepared and stock up when you go to the grocery store!

[@frithar]

More Star please!!

[@milekrizman]

Do you own your appartment in Atlanta? I am 42 and I unfortunately am still stucked with my narcississtic parents. I would like to get out and live alone by myself.

[@ElAgustin]

I rent! Not ready for ownership yet.

[@BigPhilly15]

Black t-shirt ✅ Single with no kids ✅ TED Talk vocal cadence✅ recycled advice ✅

[@CAGChannel1]

Don’t forget the most important - excessive time to bond with the “ Star”s

[@ElAgustin]

She's pretty attached. It's very cute at night she'll cuddle with me and then keep watch as if she's protecting me.

[@CAGChannel1]

@@ElAgustin the best, right! So happy for you :)

[@raunholt]

We pay for everything with our time. Labour was the first price, the original purchase.

[@Dutchy695]

With banks going bankrupt one might consider spreading the risk out of holding everything in one bank.

[@blackgrandpa7652]

I get 40 days off each year and I use all 40 and I want more😂😂😂

[@MrGilperc]

I noticed that you moved one of your plants.

[@ElAgustin]

I moving them all the time! They don't get direct sunlight on the shelves so I have to move them to get sun everyday!

[@MrGilperc]

@@ElAgustin Now you're moving plants and taking care of Star. When will you have time to make videos?

[@TopHeavy2316]

Using cash just reminds me of the Ponzi scheme that we live in. I still spend the same amount.

[@dt5622]

$20/hr may not be the right one. Could be $20/hr x 8hrs x working days let's say 20 days a month = 3,200. Then 3,200 divided by hours in a month around 730 hours. Your average dollar per time is around $4. It's very conservative bec when people think their hours worth it $20, they can eat out every day for a month for $20 thinking it's just 30 hours of their life but eventually spending 600/3200. 18.75% of their monthly take home pay already by just one action

[@fredflintstone2234]

One location. What if Schwab went under?

[@VanyaKrumova]

❤❤❤

[@horaciot8277]

💪

[@Ari-rq3no]

So I wanted to get rid of my car. But than I say to myself " So you're gonna live forever without a car?! That's ridiculous. It means that all the money you'd save by not having a car for.. maybe a year ?!.. it'll go to just buying another car a year from now. Because you'll be depressed without the freedom of a car. It's a paradox

[@Barbara-te7xz]

Everything in one bank? If that account gets hacked everything's gone. And the bank may not be held accountable.

[@jrb1737]

❤

[@ArfatBukharai]

Hello 👋👋 Excellent 👌 video I have 3 Accounts Saving - Emergency Funds Investment Account - Gold Bullions Stacking Active Account - Monthly Expenses 😊 It's unfortunate 😔 Not 🚫 having time. I believe having time is true Freedom 😊

[@mattabouttrails]

Keeping all your funds in one location is terrible advice on so many levels.😮

[@theveggiecat2147]

Love your vids, but if the Bank fails you go broke

[@TeamPowah]

Carry cash? No thanks, I'll keep the 2% credit card rewards.

[@hectord4693]

Promo`SM 😆

[@gerard4803]

Saving tons of money and never spending. It means you don't get any use out of the money. It did you know good other than you just knew you had it. But you wasted your life harding money because money is your god

[@Suedetussy]

Very true, i was raised by extremely frugal parents who thought they were good money managers, but my childhood was so harsh and restricted. They still don’t treat themselves although i try to teach them to let loose. They feel guilty, when they overspend. As for me, i am proud that i have found a healthy relationship with money. I look richer than i am (according to statistics, i earn less than the majority in my country), and i think it comes from a good way of spending money (organic food, quality clothes, a very pretty watch).