10 Things I Don't Buy (Saving Money)

[@jjbuckner]

Why I'm So Frugal: kzbin.info/www/bejne/bWaUg6d4gZeVd5I

[@LetArtsLive]

You should ask if they're charging 4% to use your card. Most places do. Cash is still king and nobody uses it and that costs you money

[@dronetestdaegan]

Always collect guns and ammo. @@evasanz3466

[@butch907]

because by doing things like this over a few years i amassed over 3o k ,UK Pounds enabling me to make a few small sensible investments and now with my future looking secure and who knows i may become millionaire as im willing to now make riskier investments etc plus buying and selling multi thousand Pound deals always making a Profit ,i never thought my life would be so Blessed, being finacially secure is a Wonderful feeling filling me with confidence ,it certainly changed my perspective and this all came about by tightening my belt for 5 or so years plus the build up hitting new saving targets every month was really enjoyable ,no takeaways no smoking no taxi cabs just a few bottles of wine a week.

[@naomiemoore5725]

​@@LetArtsLive Oddly enough, I am cash and carry ONLY. Was hacked and was very expensive. Hired attorneys. Paid and occasionally still pay the attorneys for the stuff that still trickles through.

[@naomiemoore5725]

​@@butch907So happy for you! All it takes is a little discipline and a lot of research and surrounding oneself with knowledgeable, like minded people. I never had any mentors but did have a few people give me genuine advice and I listened and executed their suggestions. Did stumble a bit in the beginning, but to me it was part of the learning curve. Will forever be grateful. And allows me to be philanthropic within my means.

[@DoubleOhSilver]

Notes: 1. Unnecessary tipping 2. Food delivery services 3. Storage unit - get rid of stuff 4. Knick knacks like souvenirs 6. Extended warranties 7. Interest on (most) debt(s) 8. Whole life insurance - favors term life policies 9. Gifts for partner 10. Impulsive putchases - sleep on it

[@boogitybear2283]

I personally hate tipping because I rather serve myself. I always do it right to begin with.

[@TaylorZ2]

Thanks you just saved me 12 minutes.

[@roeg48]

Thank you❤️

[@Miatamanck]

5. Clothes 😬

[@andreaconroy3623]

Thanks....saved goimg through it.

[@mikemccrea3517]

I cut the cable way back in 1995. I don't buy bottled water. I'm 73 and tap water hasn't killed me yet.

[@broncobra]

Haven't owned a tv since 2000.

[@johnhounslow-robinson9294]

It's out of the tap anyway.

[@broncobra]

I haven't had a television since 2000. I don't miss it.

[@brooksroth345]

I agree. Advitisors have convinced us that tap water is bad.

[@sarahsnowe]

Bottled water is environmentally horrendous, anyway. The plastic is a disaster, and massive corporations like Nestlé drain aquifers that people need for daily use.

[@ChristopherAbelman]

Major indexes booked their worst yearly performance since 2008 thanks to drivers like the recession, war, hiked interest rate and inflation which so far doesn’t seem to be easing off, so I’m left wondering what 2024 has in store for us investors, I’ve been sitting on over $745K equity from a home sale and I’m not sure where to go from here, is it a good time to buy or do I wait?

[@bartlyAD]

Starting early is simply the best way of getting ahead to build wealth, investing remains a priority. I learned from my last year's experience, I am able to build a suitable life because I invested early ahead this time.

[@PennyBergeron-os4ch]

I love the insight. Professionals could make a really big difference in investing, and I think everyone should have one. There are aspects of market trend that is difficult for the untrained eyes to see. I have made more than 350% through my estateplanner(fa) by alternative investing. The portfolio comes with perks as well.

[@HildaBennet]

Mind if I ask you to recommend this particular manager?

[@PennyBergeron-os4ch]

Don't be hesitant to contact Rebecca Noblett Roberts and follow her directions.

[@PennyBergeron-os4ch]

Her name is Diana Casteel Lynch. I can't divulge much. Most likely, the internet should have her basic info, you can research if you like

[@froggore52]

I'm 100% with you on tipping. I tip: - servers when I sit down in the restaurant to eat - bartenders - hair stylists - delivery drivers I DO NOT tip: - take out food - any restaurant where I order and pay at the counter (fast food, sandwich shops, coffee shops, etc.)

[@jjbuckner]

💯

[@christinenunn7581]

💯

[@andrewamidala]

Absolutely agree I will NEVER tip where I have to order at a counter!!

[@michelepayton6922]

It always blow my mind that people think we should tip hairstylists that charge up to hundreds of dollars for a single visit but are adamant about not tipping fast food workers at the counter who make minimum wage. Now, I don’t tip fast food workers either, but WHY should hairstylists-or any other “service” that makes good money-expect tips? It’s not logical.

[@commonsenseisntcommon1776]

same

[@mozar5175]

I don’t tip unless it’s a sit down restaurant. I brew my own coffee, so much cheaper. I cook my own food, so much better and cheaper. I don’t buy a glass of wine for $14 or a beer for $10, in fact, I haven’t had a drink since December last year. I cut my hair with some help from my wife. I don’t go on expensive vacations, I stay home, enjoy all the amenities of our condo development, ride on beautiful bike trails for free, etc. I’m very happy with the lifestyle we have.

[@frankcorrea8691]

And I am sure you do not worry about repo man knocking at your door😅

[@brenchong7767]

Same, only if I have someone who waits on me; fills up drink, takes away plates etc. I grew up not tipping the sandwich lady at subway for making the sandwich and not planning on starting now. I never received tips when I worked those kinds of jobs.

[@shawnbruce6934]

I Cut My own hair too. Clippers Are My Buddy.

[@frankcorrea8691]

If you notice the haircuts now days, the botched up look is the style, slittle mouse and gel goes along way and comb your hair back snd get that slick look, advice from a former haircuttr, and the shorter the better, most people have stylsble hair with the right instruments@

[@jglee6721]

The thing about cutting your own hair is that you saved a lot of time not having to drive to the barbershop and then waited around. You also saved on gas.

[@lmacdonald1281]

If you aren’t struggling..paying a little extra to help others is a mitzvah. In fact… if you live where there are parking meters that have expired..putting in a quarter to keep them from getting a ticket is a mitzvah. If you are on a bus and are able to help someone struggling with payment…that is a mitzvah. Lots of small good deeds help make the world a kinder, safer place.

[@SewingBoxDesigns]

Throwing money at everything isn't a good deed, it's just the usual buying your way into heaven BS.

[@happysheepies7321]

Agree

[@miriamhavard7621]

Tipping people isn't "throwing money around."

[@larryherbert252]

I believe that doing a good deed for someone, etc and expecting nothing in return is fine, but to each his own

[@larryherbert252]

Exactly, l have put money in parking meters, when I’ve parked and l never felt the pinch, l helped a lady in the store 1 time because she was short on $, at the same time I’m going to use discretion ie if someone was short on buying alcohol, cigarettes etc, then I’m not helping them

[@joegilbody4878]

Im a retired IT manager and also RN. I am well situated but I still try to save. I do not buy coffee from fast food places. I make my own for around 33 cents a cup. I've learned to replicate most fast food breakfast fare. I have internet but not cable. I buy movies in VHS and DVD formats at thrift stores for 50 cents to a dollar. I also buy clothing at thrift stores. I cook a lot in crock pot. Make extra so I don't have to cook every day. I did have whole life but I no longer pay premiums. I have prepaid my funeral. My dad did that and it made everything easier. Book wise I either get freebies or library books. To save on gas I get rooms or audiobooks. I do my own lawn with electric mower. I was paying 20/wk my battery power is enough for 2 hours of mowing. It is self propelled so easy on my back. No really cheaper but I use bar soap to reduce plastic use. I live in Gulf Coast Florida so for10 months a year tap water is pretty warm so I keep setting on that. I skip fabric softners. 90% of time I wear cheat shorts and tshirt. I do buy on credit card. It is not visa or MC. I recently flew to New England for $20 comfort class with points accumulated on card. I've never paid interest. I pay off bill as soon as it comes in. I've been living this way since I became a widower.

[@jgutkind]

So nice to hear some of your saving money tips. I would add try and do things for yourself like cutting your own lawn and not having a cleaning person. Save eating out for special occasions. Reuse, recycle and pass a long items you no longer want or need. Don't buy expensive coffee everyday. Do a meal plan and don't waste food. Take good care of what you have so it last much longer. Really think hard if considering a pet. Pets can be very expensive. Make sure you can afford them. People spend a lot of money on pets in a year.

[@Idaho-Idaho]

Many years ago I bought a coffee at work every morning. I soon realized if I just made my own I could save a lot of money. As a result, years later, I took my savings and bought a motorcycle to commute to work.

[@cherylT321]

I like the way you’re managing things!

[@commonsenseisntcommon1776]

I ordered a pizza for take-out, went to pick it up, and still was asked for a TIP!!! WTF???

[@cautionimbored]

A lot of entitled young boogers out there. They ask to tip according to tax amount also! WTF!?😮

[@cautionimbored]

😂😂😂😂😂😂

[@williammeeks1283]

I really don't think it's my responsibility to pay a business's labor wages by tipping all the time.

[@calvinreichelderfer7989]

Yea NOPE

[@billjones4986]

Best one yet is the screens minimum tip is 20 percent,so you have to select the amount you want to tip,this is sad because it’s the hourly worker has to face the consumer not the big boss sitting at the desk that thought of this nutty stuff!Greed is all it is.

[@dyates6380]

I hear you on number one. I have ZERO problem saying NOPE when I'm picking up my own pizza or take out. That's utterly ridiculous, and the fact that they KNOW it's uncomfortable for some people to say no and they take advantage of that fact, irritates me more than anything. I, by the way, am a VERY good tipper at restaurants and at my corner bar when I go in a few times a week for happy hour, so I'm not opposed at ALL for tipping people depending on and working for an actual tip. Not for someone ringing up the order and handing me a pizza. LOL.

[@Karen-jp1ns]

I never order drinks. Always water!

[@karenrockemam7921]

I just started ordering water now that most places charge $3.50-4 for a soda

[@MuzicTunes-lk6np]

10 Things I never buy: 1. Alcohol 🍸 🍷 2. Drugs 💊 3. Cigarettes 🚭 4. Gambling/lottery tickets 🎟 5. Tattoos 😔 6. Warranties 👎 7. Designer clothes 👕 /jewelry💍 8. Expensive restaurants 🍔 9. Food/pizza delivery 🍕 10. Cable 📺

[@dora_the_explorer975]

Good job!

[@steelearmstrong9616]

Nothing wrong with buying pizza. You must live a miserable life

[@MuzicTunes-lk6np]

@steelearmstrong9616 No, I live a happy 😊 life. Never have to stress over how I won't be able to pay my bills. I just watch my pennies, so my dollars can take care of themselves. 👍

[@judymoore5009]

I can actually say that I don’t buy a single thing on your list! Great minds think alike! I don’t miss any of it. What makes a great life depends on one’s values.

[@MuzicTunes-lk6np]

@judymoore5009 If you're not materialist & don't care about what others think about you, your life can certainly run smoothly stress free & focus on what really matters most & that's your health & happiness for years on out..💪 😃 👍

[@johnsradios484]

So I was buying two cups of coffee a day at work about $4 total. I got my department to buy me a Keurig . I’m saving $4 a day, $20 a week, about 1k a year!

[@bgregg55]

Where do you get free coffee pods?

[@rosiezell3487]

If you want to save money on the pods, get the plastic refillable pod. The coffee tastes fresher also. I love my Keurig but at the rate I drink coffee, the pods are way too much.

[@formula112967]

I am living paycheck to paycheck because I pay 6 principal payments to my mortgage every month, and will chop 18 years off my 30 year mortgage. I make my own coffee every morning and rarely go out to eat, and keep my credit card balances at $0.

[@broncobra]

Pay everything off. Get rid of your credit cards. It's the BEST feeling in the world?

[@aprils376]

That is wonderful

[@Youtuber5775-]

Yes by paying the principal to reduce the amount that you owe in twelve years is awesome. Afterwards you can put it in your savings account or some cds or something to make money on your money. ❤

[@kevinluschak5241]

Me too

[@Dobiegal]

🎉🎉🎉🎉🎉🎉 I paid my mortgage off 13 years early. KEEP IT UP! This is why I'm surviving this economy so well.

[@lindadorman2869]

When I sold my home to travel the world, I put a lot of stuff in storage. The intro rate was only $69 month but I ended up being gone for over a year and by that time, it ballooned to over $200 month. After a few months, I moved into a larger apartment so I could fit everything into my own space and get rid of the storage unit. Then I started selling all of it and made $10,000. So I started my own reselling business and 4 years later, I'm making a six-figure salary from selling preowned clothing and home decor.

[@jglee6721]

Wow, you're gifted.

[@fahey5719]

No, he's just lying.

[@stevebubar6129]

My no spend philosophy… picture the “Knick knack” with dust on it.

[@rustyknott-W.D]

1: Don't eat in restaurants. Cook your own food. 2: Don't frequent bars. Why pay 3-4 dollars plus tips for a beer when a six pack of the good stuff costs $12? 3: Don't make un-necessary trips by car. Combine as many stops as possible in one trip. 4: Buy store brands whenever possible, they're cheaper and just as good as the national brands. Often, the store brands are made by national brands anyway. 5: Strive at all times to maintain a high credit score. This really pays off in the long run. Oftentimes credit card companies will offer zero interest on purchases for a given term or give you a check for zero interest on any outstanding balances in other accounts. Why not give yourself an interest free loan? My last two vehicles were zero interest loans, all because I had a high credit score.

[@PursuitOfWellnessVsLife]

My parents paid 350 a month for 6 years to let it all go for free. Then we had to clean it out. Hate storage

[@cjhoward409]

My parents (mainly my mom) just shoved everything in the attic and crawl space. So we had quite the mess to clean out. 😮

[@Agnar669]

Most people end up paying more in storage than what the stuff is worth. And many who have storage are on substance living. And that storage money would put better food on the table and pay the bills.

[@deborahcurtis1385]

Storage is often deferring decisions you need to make. But it can be useful especially if you have to live in a share house and don't have enough space to store your things. I have stuff that's irreplaceable and intend to keep much of it.

[@nikij.6058]

OMG!

[@rapp-in1mz]

My advice to new investors: Buy good companies stocks and hold them as long as they are good companies. Just do this and ignore the forecasts and market views which are at best entertaining but completely useless.

[@WalterDorcas]

Is there any chance you could recommend who you work with? I've wanted to make this switch for a very long time now, but I've been very hesitant about. I'll appreciate any recommendation.

[@WalterDorcas]

I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip!!

[@anntaft7808]

Your 10 items are a nice start but you have a long ways to go! I cannot give up giving gifts but am very thrifty so it does not matter. When I was your age many criticized me for being tight. They kept spending and now are having trouble managing. I’ve not wasted money and am comfortable. When you are elderly it is a comfort to be financially secure. I now buy a bit more, on things that bring me joy but much of my joy is from being financially secure. I have been poor, worked to be secure and do not want to squander what I have. You never know how much it will cost to get out of this world gracefully.

[@DraGnFly007]

I find gifts in free piles, lawn sales, or thrift shops.

[@Christine-ce4xo]

Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. A trader made over $350k in this recession influenced market

[@Robertgriffinne]

Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are alot of wealth transfer in this downtime if you know where to look.

[@Alejandracamacho357]

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.

[@Patriciacraig599]

One of my goals is to employ the service of one this year. I've seen some off LinkedIn but wasn't able to get a response. Could you recommend who it is you work with?

[@Alejandracamacho357]

Linda Aretha Reeves is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment

[@Patriciacraig599]

/thanks for sharing, she seem proficient,.,.

[@ForestFury101]

Storage is the biggest waste of money.

[@KevinCostner471]

Sell it or give to charity.

[@frankcorrea8691]

1500 dollars to store something that is worth only a few hundred ,go figure?

[@juliadplume3097]

They are useful for storing seasonal (outdoor gear) items especially while living in a small space, and stuff you use but not all the time, way cheaper than buying and borrowing those things repeatedly.

[@SeanMcCullen-e1q]

what if I live in a storage shed :D

[@deborahcurtis1385]

Not if you go on a van life trip or similar. It's worth it to preserve memories and irreplaceable items. If you live out of a van, you can use a storage unit as a wardrobe extension. This is much cheaper than paying rent. Planning on doing this if times get tougher.

[@JerryThomas-fg9ms]

I proudly press the no tip button

[@justjoanish]

I do that. Then I drop a dollar or two into their tip jar. This is at places such as where I'm picking up .

[@junecaffyn357]

I live in England and recently for the first time ever I saw where you press TIP or NO TIP - I could not believe it! I said to the waitress, I have just put a cash tip for you here on the table! She seemed pleased with that luckily! I gather tipping is expected more in USA than UK hence my surprise with the TIP or NO TIP card machine recently!

[@marypatton1122]

I don't feel uncomfortable saying no tip and I don't give money to panhandle I don't know unless they wash my car or something. I know poor people I try to help on occasions but it is futile to ask me for a hand out if I don't know you personally.

[@notw333]

Covid made me a better cook. STASHING cash no restaurants. No overpriced coffee. Tipping is ridiculous.

[@jglee6721]

I saved a lot of time when I switched to meat based diet. Cooking plant junk takes a lot more time, skill and work than cooking meats. It's better food too. It's a big lie when they said meat is bad for you.

[@113msaunders]

Well done, me too. It feels like I'm fighting back against all the consumer programming. 😊

[@deborahcurtis1385]

I'm appalled at the cost of eating out, especially when a lot of the time the food is not as good as my cooking. It is socially limiting but saves heaps.

[@floydchusset3143]

The advice in this video is valuable for the typical American. I started investing when I was 32. Today, I have a decent $1.5M nest egg, thanks to the careful supervision of my CFP. After learning all of this, my only regret is not starting earlier. It may not seem like much but those extra 5 years are the most important.

[@smithdavis1362]

And It's not even that hard to do. Maybe too rigorous for the regular-Joe, but thats why its advisable to conduct with good market strategist.

[@michelleabraham1732]

This is why I've entrusted a fiduciary with my investment decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to $780k, generating sufficient dividends for my household's needs.

[@adamweah8037]

Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.

[@michelleabraham1732]

‘Laura Grace Abels’ maintains an online presence. Just make a simple search for her name online.

[@JasonDinero]

Thanks for the info, i found her website and sent a message hopefully she replies soon.

[@jekalambert9412]

I agree with all of your points. As a frugal person, I do most of the things you've recommended except for tipping. Because I know that food servers are legally paid less than minimum wage because the law expects them to get tips, I always tip - even if it's the drive through at my local taco shop (not at chain restaurants). However, I don't tip for services like oil changes or the person who brings my curbside order to my car - unless they actually went above and beyond to assist me. Storage lockers have a place. I had one for 3 years after I returned to California after living in Hawaii. I was a professional house sitter and didn't have a place of my own so a storage locker made total sense. I used most of the items in my locker regularly. It's important to note that everything I owned fit on a shipping palette 4' x 4' x 7', therefore, I was already down to bare essentials. Now, after being a nomad for 10+ years and only living with bare essentials, I'm settled into a home I own debt free, and I'm totally enjoying decorating it with used items I've purchased at thrift shops and online. Storage lockers make sense when you're in transition, but if it because you have too much stuff to fit into your house and you don't use the items regularly, it's definitely better to part with the items than waste your money on storage fees. One of the ways I manage "stuff" is to always keep a donation box for usable items I no longer need or want. Ongoing assessment of what I own and paring my closets and drawers keeps my life manageable. When everything I no longer want is in a box, ready to load into my car, it's convenient for me to simply take the box to a charity shop.

[@ruthmaier755]

Fast food places have to pay minimum wage…no need to tip!

[@mississippimom2]

Sometimes i pay with cash on purpose to avoid having the tip question 😂

[@jjbuckner]

You figured it out!!! Lol

[@lionessrising]

Same!! I don’t mind tipping my hairstylist but I use cash so I can avoid her tipping machine that starts at 25%. No ma’am. You get 20%.

[@mississippimom2]

@@lionessrising yes!! I have to start bringing cash to my hairdresser too. I just went yesterday. Tipping machine starts at 18%, but i feel like when I am already paying over $150, tipping should stop at $20

[@lionessrising]

@@mississippimom2 my service cost $295. And they want 25% on top of that! Stop it. I wish I just do 15% but I feel guilty so I do 20%. It rough in these streets 🥺😂

[@reginarodriguez-martin4928]

I carry cash all the time and mostly pay in cash. Just one benefit is not facing the tipping screen.

[@danielholman7225]

My dad lost everything in the Great Depression. I have him to thank because he taught me to be frugal.

[@deborahcurtis1385]

My grandmother saved scraps of fabric, buttons anything. She was extremely frugal and sewed and was always making, fixing and mending. The philosophy was: if you can't buy it outright you can't afford it. Simple.

[@isettech]

I have started the no tipping by not buying overpriced takeout. I don't do, no tip. I do tip, and leave a custom tip if it is an option, then not return as the value for the money is not there. Hit the deli section of the local grocery store instead. Learn to cook and pack your own lunch and pay yourself that $20 an hour and pay yourself to prep your own lunch.

[@randallflores-qr8cs]

Guy talks about being frugal, yet his first subject is eating out. Have you calculated how much money you're wasting on that? Learn to meal prep at home.

[@FONEternal]

He is frugal with other things so that he can enjoy experiences like eating out. Life is short

[@rnupnorthbrrrsm6123]

They’ll figure it out one day, then kick themselves for all the money they wasted. But they are frugal with everything else !

[@FollowingTheStones]

All very good tips, and things I have implemented in my life over the years. Here's a tip for you: Stop using delivery services, especially for food!! Delivery charges, inflated prices on items purchased for delivery are ridiculous expenditures! As a financial guy, you know this. That expensive sandwich is even more expensive delivered. That should be a one off situation. I make sure to purchase the items with which to make my comfort foods, fast foods etc. When a burger and fries is $20 now days, I can buy a pound of hamburger, bread/buns, and a couple potatoes for the same amount. That's two to three times the food for the money. Otherwise, you have some great things for people to consider. Thank you.

[@rodgerlang884]

I've been making burgers at home since I was a kid. 40 years and I still can't get a restaurant quality burger to come out of my pan or off my grill. I've read articles, watched videos, etc. Same for fries, good fries are truly an art form

[@Carol120454]

I looked into a delivery service for groceries. Not only do you have to pay a membership fee, but the prices on the items are higher. Sorry, I'll go to the store once a week myself. I feel bad for people who can't do it themselves, elderly, disabled, don't have a friend or family members to do it for them.

[@wandacarr668]

​@rodgerlang884 I add a small amount of sour cream and stir in either a small amount of ground thyme or worchestershire sauce into the sour cream and add to ground beef. Right after you flip the burger, place a pat of real butter on top. Fries: slice real potatoes, soak in water for a few minutes. Then dry with a towel and mix in dill weed and olive oil. Bake at 400 for 30 minutes.

[@GeorgeDougherty-e9l]

Sound advice. I take it 1 step further, I don't waste money on tattoos.

[@CeciliaReinheimer]

That is your choice. Some people love there tattoos and they are meaningful for them.

[@shanlange6331]

But they last a long time!!

[@TheJackCain-84]

To my understanding this just proves how much we need an edge as investors because playing the market like everyone else just isn’t good enough. I've been quite unsure about investing in this current market and at the same time I feel it's the best time to get started on the market, what are your thoughts?

[@kevinmarten]

Since the crash, I've been in the red. I’m playing the long term game, so I'm not too worried but Jim Cramer mentioned there are still a lot of great opportunities, though stocks has been down a lot. I also heard news of a guy that made $250k from about $110k since the crash and I would really look to know how to go about this.

[@Jamessmith-12]

There are actually a lot of ways to make high yields in a crisis, but such trades are best done under the supervision of Financial advisor.

[@JacquelinePerrira]

Thats true, I've been getting assisted by a FA for almost a year now, I started out with less than $200K and I'm just $19,000 short of half a million in profit.

[@kevinmarten]

Impressive can you share more info?

[@JacquelinePerrira]

Credits to 'Carol Vivian Constable' she has a web presence, so you can simply

[@shirleydenton4747]

I agree so much on the tipping mania, but don’t forget the asking to round up for every charity known to man. Whether it be help with cheerleader’s uniforms, Feed America when the CE makes almost a million dollars a year, help with jobs at Goodwill (thought that was why InDONATE and buy), and even get an argument from the cashier when I say NO. I had to tell one there are too many homeless and needy people right here in this city to be trying to feed America. I absolutely tip well to my hairdresser, a server who helps with drinks for a meal, and anybody who serves me even Huber. But since I bunch all errands in one day, I really tire of hearing ‘round up’ all day long. I simply say ‘not today.’ So there 100% with this waste of money. We need to research our charities and give willingly to those that are worthwhile.

[@shirleydenton4747]

Oh Ingave so much junk I am clearing from my house that were once an impulsive buy

[@notbarbie582]

We donate when we KNOW that it is going to the appropriate use. Usually we donate used and refurbished patio furniture to garden clubs for fundraisers. Since my husband works at a scrap yard and repairs as necessary, then I wire brush and paint, our cost is low. But raffles and auctions make good money. We’ve rescued something that was easily repairable, someone gets a good deal, and the money goes to a great cause. Win, win, win.

[@uriahthehittite1672]

#9 is what my significant other and I have agreed on too. What ever we need we buy and we don't waste money and mental stress on trying to figure out what to get the other person. We really don't need anything.

[@notbarbie582]

My husband never knows what to buy me. I buy my own gifts, usually a garden book that I wouldn’t spend FAMILY money on. I buy him gift cards for stores I know he needs. I call it the gift of spending money. We’re. Both satisfied with this. But we bought our freedom from debt decades ago. We’re very happy with the decisions we’ve made.

[@aprils376]

Give each other cards because those have sentimental value and you can look back on those by re-reading them, especially when one of you is dead.

[@northlord1447]

Totally agree tipping is crazy.

[@jjbuckner]

Yes!

[@DoubleOhSilver]

This is why I don't tip

[@jeffconboy7146]

Tip culture is insane!!! They want a tip at self serve ice cream!? Wtf? I avoid those places , and generally don’t go back that’s how much it pisses me off .

[@jjbuckner]

Dude I don’t get it 🤣

[@DoubleOhSilver]

If only we could put negative amounts

[@jglee6721]

The US started it and finally it has gotten out of control.

[@beckyshell4649]

I agree with the storage unit.I watched a KZbin channel that did shed repos ,the stuff people had stored in there was trash . They had clothes and bedding thrown in the floor, old broken Christmas ornaments and home decor.

[@AverageJoeDividends]

I change my own oil. That way I know my oil is not over/under filled, and the correct oil/filter is being used. Also, the worst of your oil comes out after 5+ minutes of draining. A full synthetic oil 0W-20 change costs me less than $25 doing it myself.

[@jjbuckner]

I used to change my own oil as well when I lived back in MO. Where we live now I have no where to change it… once back home, back to oil changes haha.

[@AverageJoeDividends]

Completely understand! @@jjbuckner

[@vw418]

@@jjbucknerwhere can you dump your old oil at in MO? I would like start doing my own

[@keith.aguilar]

@@vw418 I was told the sewer.

[@AverageJoeDividends]

@@vw418 Try O'Reilly

[@logdon17]

Do what I do with the tip problem, I always bring cash and completely bypass the system. It only asks for a tip when you swipe a card.

[@maryd253]

That’s what I do

[@jglee6721]

lol. Good one.

[@CheapsKate77]

Many places don’t take cash anymore

[@Bennyruss2634]

I've done that also!

[@davidshort9439]

I only pay with cash, it always annoys me when they ask me if I want my change back

[@tz1592]

Couldn't agree more with the tipping issue. Of course, if I go out to dinner, have a nice meal, I'll sometimes tip more than 20% if I really like the server. But don't ask for a tip if I go to Subway. Ridiculous.

[@miriamhavard7621]

The workers at the Subway are just as worthy as the workers at the better restaurants. Workers deserve their tips and wages.

[@helencornwall5119]

Like your ideas. My wife and I are currently in the process of cleaning house. We are decluttering. We're in our sixties and decided to spare our kids of stuff to get rid of after our demise. I know this sounds morbid but I had clean out my folks house after my father passed a few years back. He saved everything. Most we had to get rid of.

[@commonsenseisntcommon1776]

I'm cooking more and more at home, have no CC Debt, car paid off, the only debt i'm carrying is my Mortgage and that's at 2.25%

[@gerardguida7727]

Two things I totally cut out......buying coffee out and Bottled waters....between my partner and I, we saved about $700 a month!!! Thats alittle shocking 😳

[@cesardrudi8238]

I agree with all of these! I love a clean and simple home. Extra stuff is just a waste and stresses me out. Keep it simple

[@jonny777bike]

Don’t worry about tipping. Most importantly be kind to your server and the cashiers you deal with.

[@Userhfdryjjgddf]

Ya cause I pay my rent with kindness

[@jglee6721]

@@Userhfdryjjgddf lol

[@princeinflorida214]

You can't feed a dog on good behavior and intentions

[@jonny777bike]

If you feel they did go service do tip. Just don’t feel guilty about not tipping. Do save your money, pay off your debt and try to invest. Try to invest in stocks or ETFs. If you’re young and can live with your parents do that. Instead putting a lot of money in rent save that money and invest. When you have more money from tips then be more generous.

[@miriamhavard7621]

​@@Userhfdryjjgddf😂

[@janicem4382]

I hope people will consider tipping after a stay in a hotel/motel. The cleaners are notoriously underpaid, it is back breaking work and people can be disgusting. I am not a cleaner now but my family once owned a Motel and I cleaned everyday after school and on weekends. This was a long time ago but I remember receiving under five tips in four years. Note: We were actually referred to as chambermaids then. Things do improve😀.

[@PhilipShand]

janicem4382. Why should you,as a customer pay added money to someone who is already being paid by their employer. The wage is the employers problem.The fact they don't pay their workers enough is not your worry. By allowing employers to pay slave wages keep vast numbers of US citizens in slavery.It is not your burden to support them by subsidising their workers.I live in Australia where even fast food workers can live rather than merely exist. With a living wage there's no need to tip.

[@squirrelcovers6340]

I'm not an employer

[@broncobra]

After my nephews bachlor party, I left a note, and a tip and apologized. One inch of puke on the floor? I would have quit right then. I'm a RR. I stay in a hotel every trip. I wipe everything down with clorox wipes. I strip the bed. It's cleaner than I got it. Much respect. I always say, if the maids try and clean it, they are going to make it dirty. I wipe everything? All counters, I wipe dry the shower (I always ask for handicapped) and mop the floors. I wipe the toilet down. My family were janitors for a bank when I was a kid, until I was in high school. I know what it's like? Everything is spotless when I leave. Oh, yeah, I strip the bed. I carry my own pillow. I have some pride? I've had maids tell me thank you, and how much they appreciate it.

[@texasrefugee7888]

I was a motel maid for a while, and it is backbreaking work. We would. jump for joy when somebody left a tip. I worked in a resort twenty miles from my home, so I needed gas money. They aren't paid worth a darn.

[@broncobra]

@@texasrefugee7888 I would have loved to give you a tip? Hotel van driver would short shit you every time. Not just one guy? all of them. I always cleaned my room, (handicapped) I mopped the floor, I cloroxed everything, and stripped the beds.

[@veetour]

If everyone is complaining about tipping why should you be embarrassed to not tip?

[@bubbaramsey9777]

It’s not awkward for me to refuse to tip for something that I already paid for with no service.

[@Dion-rz3fz]

My wife and I joke about being hoarders. We are not as bad as many of those people on the t.v. shows though! But it does seem like absolutely every time we decide to neaten up, and get rid of something, a few weeks or months later, I'm asking the wife, "where is that so and so?" I need that now!!!!!!! Never fails!!! So I am really reluctant to get rid of anything except purely the obvious that we wouldn't ever want. Admittedly we enjoy second hand stores because you can get nice things for such bargain prices. But it almost falls in the category of treasure hunting, because it would be better regarding our clutter not to go into those places! But its like recreation!

[@notbarbie582]

I have more stuff than most people, but I use it, and love it all. Everyone has different priorities. If it works for you and you’re happy with the results, you’re a winner!

[@Dion-rz3fz]

@@notbarbie582 Well, its actually kind of a double sided coin. I have lots of stuff we havent used for a long time, and this creates more clutter than I would really like. BUT, on the other hand, like I said, it seems like when we knuckle down and get rid of it, at some point I am wishing I had it back! Lol. So its a "catch twenty two!" I would enjoy the look of an immaculately neat looking home, but there is no way as long as their is clutter. And I think we are a bit too lazy to organize everything! Lol. Lots of things we just don't know where to put them, so they fill up our sewing room, storage bldg., and garage!

[@OldSchool1947]

Yeah, but can you FIND it? ;-)

[@Dion-rz3fz]

@@OldSchool1947 No, not always! Lol. Very frustrating when you know you have it, but just cant find it! Lol

[@OldSchool1947]

@@Dion-rz3fz Right! Our W-mart is being “updated.” I’ll NEVER find anything!

[@Reality852]

Frugality is important. I agree with everything you said and do everything you said except for one. I do get extended warranties on furniture. They make furniture so cheap today with pressboard and cheap wood unlike the solid wood they used to use 50 years ago. I'm 6'5 at 300 lb, and furniture just does not last anymore with a big athletic guy like me. I have had to use two extended warranties for furniture in the last year. All furniture I buy has an original one year warranty, but I usually get an extra 2-year warranty for 48 to 68 bucks per piece of furniture. And it saved me a lot of money. I recently had to replace a whole 6 piece sectional couch under the warranty because the armrest caved in when I leaned on it with my elbow as I was adjusting in the chair. My sectional couch was no longer available to be replaced so I got to choose something brand new in the store of equal or greater value and pay the difference if it was greater value. That $48 for the extra 2 year extended warranty paid off and saved me thousands. If I wasn't such a tall big guy, it wouldn't be an issue. If they made furniture with quality it wouldn't be an issue either but that's not the world we live in anymore. I miss solid wood furniture.

[@deborahcurtis1385]

Buy vintage furniture and save the hassle and expense.

[@jackieu8209]

You can still buy real-wood furniture, but it is very costly now. You probably won't find them shopping at places like The Brick, United Furniture Warehouse, etc.

[@pcvetic]

Sit down restaurant yes. Fast food no. Bartender yes. Servers rely more on tips. I'm sure many bartenders make more than servers before tips but some just barely. Haven't really done the whole extended warranty thing either. As far as credit cards I pay it off before it due so I really don't need to worry about interest

[@jjbuckner]

100% agree

[@alwilk2607]

Being cheap makes me rich. I agree with you 100% and then some.

[@Chrissers2010]

I always keep in mind is that it costs roughly 50 cents a mile to drive a car. That figure includes things like gas, servicing your vehicle, tire wear, insurance, depreciation on the value of your vehicle, etc. If you drive 10 miles to a store then drive 10 miles home, that trip cost $10. If I do that everyday for a year, it will cost $3650.

[@Carol120454]

My husband's car was totaled in an accident 3.5 years ago. He had an hour's commute to his job. He was 3 months away from collecting his retirement. I did the math, it wasn't worth it to buy another car to keep that job. He got another, part time job locally. Since we both work locally, we've gotten by with only one car between us ever since. He had injuries, so we hired a lawyer. Got a good settlement, so we paid off my car and all our other debts. I applied for student loan forgiveness, the Public Service Loan Forgiveness program, since I'm a teacher and I've worked for non profits all along. The government has been pouring a lot of money into this program lately. It took a year and a lot of paperwork, but it was worth it.

[@roadsgt97]

I bout an exted warranty on a ford expedition, it saved me thousands in repairs Dont disregard warranties on vehicles

[@robh3043]

Extended warranties are VERY negotiable in the finance office. They are mostly pure profit.

[@majorlaff8682]

Better still, don't buy a ford.

[@coolrubberdude]

thank u, so right I never get the extended warranty, also insurance for concrete tickets waste of $$$, no storage for me, I use my cell until it breaks, that for the clip

[@justsayin1958]

I have a cover that is literally holding the back of my phone together. cell still works.

[@patty4349]

Tipping. Ask 2 questions: 1. Does the server get paid a regular wage, or do they get a "tipped" wage? 2. Will the tip actually go to the person who served you? Any person who accepts services from a person getting paid the "tip" wage and refusing to tip is not a very nice person.

[@handyandy6437]

Hey! YOU LOST ME at extended warrantee. I ALWAYS get extended warrantee because it is nice to be able to bring something back to the store it came from instead of having to go all the way out to some far off place to deal with the manufacturer to have something repaired or replaced. I have benefited quite a bit from those extended warrantees. One time I bought a computer monitor for a desktop computer-something went wrong. They DID NOT replace it with the same monitor. (discontinued) THEY replaced it with a BRAND NEW one which is worth more than the one I had. (I feel I should have had to pay the difference, but they told me I did not need to because I am covered) I think people who don't pay the extended warrantee on TV's, monitors, and (possibly) computer chairs are absolute idiots that just don't get the value of such insurance. *a computer chair is much more difficult to bring back...especially on public transit.

[@emiliaescobar7652]

What great contents, I love my starbucks vanilla cappucino one in a while, but I drink coffee @ home, love the idea of not having to buy your spouse a gift, just because it's a certain occasion, I feel the same way too, I do love receiving some flowers here and there. I don't buy a lot of designer clothes like I used to, and don't go out to eat as much as I used to, there is a lot one can do to manage their money better!

[@cynthiacaporale1873]

I get a Christmas ornament. Packed away, memories when I put up my tree.❤

[@NewIdeasEngine]

I can walk to the grocery store, pharmacy, nail salon, FEDEX, U.S. post office the park, and most of my doctor offices from where I live. I also take a free trolley back and forth from my job, albeit I have to wake up one hour earlier. So I elected not to own a car. I calculated all of the monthly costs associated with a car (car payment, insurance payment, gas, parking, tolls, maintenance). I compared it to my ocasional Uber use and I decided Uber is much cheaper for me. Saves me the stress of driving as well!!

[@coachyamyam9666]

Listening to you was like listening too myself. I literally live the exact same life if it comes to money

[@cynthiaking5308]

The problem with tipping is a) who gets the money? Giving the pizza guy a tip because he used his car and gas to deliver the food, and it’s always in cash is how I tip. If b) it goes on a keypad/kiosk it goes to the shop first. They’ll give the tip as part of the wages and avoid taking it out of the bottom line.

[@barbs116]

Half of the stuff you're talking about I don't even do and because I can't afford to

[@BellsWatson]

Souvenirs - Back when we travelled we would buy the little pins that represent the place we were visiting. I would wear the pins as we travelled but when we got home I would pin them to a bulletined board in our garage. The pins were relatively cheap and don't take up much room.

[@broederbond60]

Did you tip at the tattoo parlor?

[@laurellane1721]

That made me laugh because it was one of the first things I noticed when he was reading off his list of what not to waste money on. Was the tattoo really a good use of his dollars?

[@eartha911]

I'm in my 60s and I agree with almost all of your methods. I know first hand that if you go to a restaurant for dine in or take out in the area that you reside, It's always good to tip generously. I always do, and on my repeat visits, I not only get better service, I get a little extra care. Worth it!

[@TheMichiganMade]

Tattoos are a big waste of money

[@aubreyleonae4108]

DYI, the way to go. Maybe not.

[@davidshort9439]

Nasty also

[@ToddBinNM]

Not unless you find the guy in the truck stop bathroom that will get you a tattoo for a 12 pack of beer. In that case, don't be his second or third customer.

[@niacal4nia]

Tattoos love unemployment.

[@CeciliaReinheimer]

Not for everyone.

[@pam_jackson]

I stopped at the local doughnut shop. I ask for 1 cake doughnut. I went to pay and you guessed it was given the tip screen. I nicely told the lady that I don't tip unless I sit down to get service and that coming in to purchase an item didn't qualify. There is no way I felt any shame at all.

[@tl4633]

That’s one of the main reasons I pay cash

[@jjbuckner]

Yes! If you can’t pay cash, you probably can’t afford it!

[@spaceballs44]

Today in Nebraska it was freezing and my spouse retired from the navy and does DoorDash on the side using the beater car. And we both eat at home to save money.

[@teresapadilla1958]

I started collecting shot glasses from different states snd countries. They just stayed on a shelf in my cabinets that collected dust. Realizing that, Two months ago, I packed them all up and dropped at the Goodwill. The shelf is uncluttered and used for items I actually use!

[@Just_Stevo]

Tipping is BS! It just subsidizes the owners of the business. It allows them to pay below a working wage.

[@rodgerlang884]

So if you don't tip, the people are still making the lower wages and now have less money. Trust me, you not tipping is not making a dent in how service workers are paid

[@jimmbear3998]

I agree with these except for the tipping. It seems like everyone nowadays making a big deal over tipping for some reason. Look at it this way, say you pick up food twice a week which would be 104 times in a year. When you pick up food you toss a couple bucks into the tip jar. That only comes to $208 in year, just $208. You mention it is awkward not giving a tip but it saves you money. It only saves you $208 a year. I’m sure there are tons of things you spend over $208 in a year on. That’s why I don’t get the uproar on people not wanting to toss a buck or two in the tip jar when they probably blow much more than that on stupid stuff they could easily cut out that would save them more.

[@ruthmaier755]

Tips are supposed to be a reward for exceptional service. Unfortunately, the greedy owners of restaurants have managed to get laws passed that allow them to pay servers one half of the minimum wage and expect the consumer to pay the other half. I always tip in those establishments because of this. However, fast food chains are paying minimum wage and no tipping is required as there is NO value for money.

[@rnrgoodies]

It's kind of funny that you're saying save money by not tipping, because you could save way more money by just not eating out in the first place. We eat most of our meals at home now (every once in a while we will have to stop and grab something because we are taking too long running errands and we get hungry) or the limited times we do go out will be to celebrate or hang out with friends. We don't make it a typical thing. I know some people that eat almost all their meals out or they buy coffees from dunkin or starbucks constantly. That sort of thing.

[@susanbrennan5511]

The first point he brings up is massive. I occasionally (maybe once a month) order a sandwich to be delivered at work. If I leave a tip on the app my food gets delivered no problem. If I don’t leave a tip I have to go out to sign the receipt. NO! I don’t have to sign anything. I pay for delivery and the guy who delivers it is paid by their company. THANK YOU!

[@STARFLEETC0MMAND]

Guys, Buy a Toy, Don't End Up Making Monthly Payments Of Child Support For 20 Years.

[@justinallport9789]

18 1/2 years per child"

[@formula112967]

I paid $200k to a cheating ex-wife......I always warn the younger guys.

[@eddiefniii]

20 years. Wrong. It’s for life! .

[@jglee6721]

The law is set up to go after the breadwinners the men.

[@janp7660]

Best advice ever!

[@nilofarkhan2141]

Do you buy home insurance or car insurance? Please answer

[@taniahummelgard2290]

You forgot: grow a garden and preserve your food. You just saved thousands per year

[@cjhoward409]

Plant some fruit trees too !

[@lifeinaditch]

@@cjhoward409 Hard to do when you live in a six floor walk up in NYC

[@melindahall5062]

I live in the desert..what am I supposed to do?

[@taniahummelgard2290]

@@melindahall5062 I have a cousin who lives in Phoenix, AZ, she has a small backyard with a bunch of raised garden beds and chickens! They ran little water lines to each bed and use a shade cloth for m sunny days. She grows a ton of produce, she inspired me to grow more in Minnesota

[@RetrieverTrainingAlone]

1) Bottled water 2) Take-out coffee (make it at home) 3) Take-out sandwich (make it at home) 4) Delivered pizza (make it at home)

[@bosoxer4eva]

I totally agree with you on the tipping thing. I'm an RN by trade and it would be like me taking a tipping jar into a patient room while performing a dressing change. It's getting out of hand.

[@RandyWells24]

i agree im not tipping subway... BUT i do tip a DRIVER who delivers from subway IE DOOR DASH or a walmart delivery driver. (as a driver if your NOT tipping im not excepting, GAS ISNT FREE, nor are MY car repairs. i dont understand WHY this has become an issue, people have ALWAYS tipped the pizza driver, EVEN with a delivery fee. my son bought a $2000 computer W/ext warranty, 12 months later the liquid cooled GPU failed..... it was replaced under ext warranty, SO its a gamble, i buy them depending on the purchase price. Interest $$ does NOT exists (smart choice not to have)

[@letsbuildasnowman7058]

You don't have to leave a tip at Subway people, or donate to something at the drive thru you know nothing about.

[@jjbuckner]

Agreed!

[@Pihlalorjoone]

As for the extra guarantee: a longer time ago then I want to remember I started asking actively what the extra guarantee would cost (or the CDW for a rental car). And then NOT take the extra guarantee but put the same amount in a separate investment account. In the 30 years or so that I do that, I had to pay from that account twice, once for a broken display of a laptop, and once for damage to a rental car. After about 20 years I stopped paying into it. By now the value of the account has grown to slightly above 65.000 dollars and it earns me a nice 5% of dividends. Smartest thing I ever did.

[@Julie-pb9iz]

Wow. Great idea that worked for you

[@auntiali9344]

Totally agree with you. My hubs and I had term life insurance policies when the kids were younger and once we reached a certain amount in our retirement account and investments we got rid of the insurance policies.

[@truckn]

One thing I no longer spend money on is toilet paper. Every since I started going to Thailand an used a bum gun (Bidet) toilet paper is a waste of money. I've installed 4 since 2017. You'll never be cleaner/fresher down there and you can still use a bit of tissue paper to dry off we use dedicated clothes.

[@commonsenseisntcommon1776]

I cook my own food, change my own oil and never over-tip!

[@tomlynx2008]

Pit crew oil change at WM for $25.... I can't even buy the oil and filter for that nowadays.... and I don't have to find a place to recycle the oil at.... just a thought....

[@MoniqueChenard-e2t]

My souvenirs are usually my pictures but I have bought unusual jewelry and a perfume I wouldn’t be able to find home and a keychain. I use those items and it is a nice reminder. I have never bought warranties. My family and I have stopped giving gifts for birthdays and Christmas. We take each other out for a nice dinner. I did just buy takeout for delivery and I tipped the guy generously. I have been home for 3 weeks, unable to drive and the use of only one arm. And still 3 weeks to go and I was dying for Chinese food. First time ever. I don’t know if I will do that again but once won’t break the bank.

[@valeriemartini6315]

You’re lucky to wear the same suit and it still fits.

[@jjbuckner]

Health is wealth! 🤣

[@valeriemartini6315]

@@jjbuckner Haha Men be like my wardrobe never changes. I always wear the same stuff.

[@MrSurferdude89]

Lol but is it luck though?

[@valeriemartini6315]

I agree about health but, woman have babies and so many hormonal changes in life.

[@frankcorrea8691]

If you know how to be a snappy dresser, invest in a nice coat for a wedding, you do not have to have a suit, for what?

[@cherylt569]

I totally agree with the tipping...especially now that most of the fast food places like you said are asking for tips and yet they can't even get your coffee right!!! And now minimum wage is like 15 for them...restaurants depends on the service and the amount I tip...

[@RobertSmith-gx3mi]

Cutting cable, switching cell phone and internet providers has saved me over $19,000

[@jjbuckner]

Yes! Great tips!

[@DoubleOhSilver]

Cutting avocado toast, I saved enough to buy a house

[@jaywimer4415]

One of mine is credit card fees. I used to be a cash guy but came to the realization that many places upped pricing to account for cc fees so in a way I was losing out by paying cash and not getting my card rebate. At that point I now use a card whenever possible.

[@jannibal9273]

Why are you buying overpriced sandwiches?

[@Sunny_Beaches]

This is a new world. Regarding tipping-Not looking for someone to stand between me and my meal or drink. I’m only eating out because I’m away from home and I want a meal that I-wish-I could be making for myself. BUSINESS IDEA: a min wage employee attends to cleaning up a simple food prep station after customers make their own meals. The owner makes money by renting the space and the clean-up. Note: If you have rare allergies (peanut allergies) then you’re not the target market.

[@kortyEdna825]

I paid up all my mortgages in 2yrs while working with a Financial Adviser. I’m 50 and my husband 54 we are both retired with over $3 million in net worth and no debts. We got to realize that the secret to financial freedom is making better investments.

[@Justinmeyer1000]

That is so amazing, I’m trying to get onto the investing ladder at 40. I wish at 55 I will be testifying to similar success..

[@PatrickFitzgerald-cx6io]

I wholeheartedly concur; I'm 60 years old, just retired, and have about $1,250,000 in non-retirement assets. Compared to the whole value of my portfolio during the last three years, I have no debt and a very little amount of money in retirement accounts. To be completely honest, the information provided by invt-advisors can only be ignored but not neglected. Simply undertake research to choose a trustworthy one.

[@NicholasHarmon-ow3jl]

That's fascinating. How can I contact your Asset-coach as my portfolio is dwindling?

[@PatrickFitzgerald-cx6io]

‘’Aileen Gertrude Tippy’’ is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.

[@NicholasHarmon-ow3jl]

She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.

[@charlottemiller7675]

Im glad you tip your servers. Most of us in the US make $2.80 an hr but at places likevSubway they pay at least Fed min wage but often times more. At Panera in PA i made $13 an hr but as a server in PA I makeb$2.83/hr. The tip culture is hurting ppl who really live on them because they dont understand the difference

[@jimmywalters3071]

I bought a new Toliet , that was very heavy at Home Depot. I asked for assitance to help load into my pickup .. An older man helped me and when I offered to tip him , started to dig in my wallet .. he refused a tip.. he said oh No, No.

[@jglee6721]

That's nice. I would also refuse a tip if I help someone because I'm a middle class and this is not my source of income.

[@ybrynecho2368]

We've done alright in the past 50 years - bought each of our homes mortgage free and never financed any of our vehicles. We were never going to restaurants often, but since the pandemic we haven't been to any. I do spend $12 weekly on lottery tickets, but that's all. Hubby bought me lots of jewelry until I had to tell him to stop, and as for designer clothes - if I run across something in Winners or a charity shop, why not? We live in a condo, so we do have a small storage locker for things like Xmas decorations and our suitcases and a few other seldom used items. We aren't millionaires, but due to living within our means, working hard and saving hard, making some good investments, I retired at 49 and hubby at 54. We've gone on quite a few good trips to different areas of the world. We don't have to worry about where our next buck is coming from.

[@spaceballs44]

I don’t tip they get payed hourly.

[@jjbuckner]

💸

[@rodgerlang884]

Except wait staff in the US don't get paid very well hourly as tips are counted into their wages, so all you're doing is screwing your server. My mother was a waitress for years when I was growing up, you don't understand how much wait staff actually depends on those tips

[@jasonrodgers9063]

For gifts, my beloved late wife & I used to give each other little handmade "coupon books", for things such as a breakfast in bed, a LOOONG foot massage, a romantic walk in a warm summer rain, as well as some (ahem!) VERY fun things that I can't mention here!!! WAY better than anything money can buy! Dear Lord, I miss her so!

[@user-bm6wu9zw9m]

I always tip if I order Uber eats because I know gas is expensive.