8 Simple Ways I'm Saving Money | Frugal Living

[@ambiarock590]

A tip I'd like to throw in is getting a library card. Go check out books instead of buying them. You can save quite a lot of money this way. Also if you're into music, check out CDs from your library too. This can cut out streaming subscriptions.

[@booksnphilosophy]

our library has an app with ebooks, audiobooks and even digital magazines, too.

[@tammyathens2725]

I work at a library so I wholeheartedly support this comment! Also, many library systems also have e-content like Overdrive, which is books and audiobooks; hoopla, which has great music and video selections along with books, audiobooks, and graphic novels; Kanopy for more independent and Criterion selections!

[@nutmeg9593]

This as well as Kindle Unlimited. The book I’m reading now would’ve been $40 new. Read it as part of my $12 subscription and I read like 5-20 books a month. I also love finding a good cd in the library. I have found my people.

[@NicholasGarofola]

I’ve actually covered a library in a video a couple of years ago!! Yes I highly recommend it. Free and a ton of resources

[@OverTheSevenSeas]

100% the library card. Our library additionally offers discount and free tickets to local museums & free access to Udemy Business and LinkedIn Learning. And to Kanopy (a movie and documentary streaming service)

[@donaldlongjr]

Something that has helped me is actually starting to buy snacks (fruit, celery sticks and peanut butter, charcuterie) from the store because I realized if I didn't, I was way more likely to UberEats or DoorDash, even if I had the ingredients at home to prepare a meal.

[@JohnConnor636]

Good suggestion. We buy bulk snacks at Costco, buying items out is very expensive.

[@NicholasGarofola]

To each their own! Whatever makes the most sense for you,.

[@lizabean723]

debt often has a higher interest rate than the interest you can accrue on savings. often, you're losing money by not paying the debt first.

[@Savage.Doomer]

most savings accounts give you 0.01%, high yield ones maybe give 5%. Credit card debt is usually 15-30% interest and car loans are 10-20% interest

[@ghostder_]

You should do a full in depth home tour to show the realistic side of minimalism from someone who doesn't own a lot. :)

[@michaelbevan1081]

That would be pretty good.

[@NicholasGarofola]

It is a shared space with my girlfriend, and out of respect for her privacy it’s unlikely to happen 😅, also it probably wouldn’t be too interesting

[@ghostder_]

@@NicholasGarofola ah, understandable.

[@Zealotcv]

@@NicholasGarofola What a king!

[@DannyFenton217]

My modern day approach to minimalism is a little bit of both. A while back a KZbinr named Emmy made in Japan. Had this small comment about how she accommodates her life by doing little things that create a better quality of life change. Similar to what you do here, when you make those small quality of life changes, it's easier to adapt to that gradual change then versus doing it all at once.

[@estebanlopez104]

💯 Recommend paying off debt. I had around 80k worth of debt. And after 3 years I am almost debt free. Margin is everything when saving.

[@NicholasGarofola]

That’s awesome.

[@JamilaJibril-e8h]

​@@NicholasGarofolabut ... but everyone is acting like you SHOULD NEED ME..AM YOUR EXTRA PROBLEM 😂😂😂 kidding stay blessed ❤️🙏🏿

[@OverTheSevenSeas]

For tiny additional savings you could challenge yourself to list 2-3 items on eBay every month. That’s my plan for 2025. A gentle purge of a small amount of surplus possessions and it’s ok if the returns are minimal. I like that something will be used instead of being thrown away and if in return I get even just an extra $20 a month then that’s small but more than $0

[@r1-le801]

This is genius. I've always looked at my "surplus possessions" and got overwhelmed by idea of getting rid of it all. Doing a bit per month will do wonders, and I'll put the excess money towards my parents credit card debt. This is my 2025 goal now, thank you!

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@MaxZeuner]

The shot during the Sharing Subscriptions topic was 11/10 with the subtle pan. Great details man

[@NicholasGarofola]

Thank you!! I love using that slider

[@sparkymularkey6970]

I bought a nice, fancy matcha tea set so that I could make my own matcha lattes instead of speaking $7-$10 on buying one every single morning. Spending a bit of money up front in order to save money in the long run really works!

[@wafrikano]

Yeah i need to buy a coffee machine, £10 a day on coffee for last 7 years... I don't even want to calculate how much I've spent on coffee 😅

[@Su-ri5ob]

Snacking is a relatively modern habit. If a granola bar is enough to satisfy your appetite then you're not really hungry. I only eat twice a day, but my meals are larger than what would be considered normal, however I don't snack, i don't need to.

[@sarahnalliannan1770]

Great video !! The tip about avoiding impulsive snack buying is so on point ! I used to have that problem and then the snacks used to lie around and eventually expire their shelf life … there is a valuable lesson in cooking your own meals and saving money !

[@NicolasGarofola-g6d]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@patriciafisher3108]

Sometimes there is more on my dinner plate than I can eat. When I remember to do it, I save the leftovers for later a late night snack or part of my breakfast the next day. It keeps me from spending too much money on food. Nicholas, I too cut out eating processed food and sugar beginning in August. However, at Thanksgiving I fell off the wagon. Struggling a bit now to get back on. I do have a motivation to do so, because if I don't I will have to spend money on larger size pants.

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@shinichihiroshi5328]

I would replace ''sharing subscriptions'' with getting a good VPN and then put on the eye-patch (if you understand what I mean..🏴‍☠). A VPN costs like 8/monthly too and you will be able to watch everything (anime, disney, netflix, apple, prime etc while also getting PC games). Whether it's frowned upon on, does not matter. Do everything you can to minimal the costs. Life is expensive enough.

[@PatrickSutcliffe-Hill]

There are free VPNs out there, I think some browsers even come built in with one

[@NicolasGarofola-g6d]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@grooviechickie]

Our old fridge was super inefficient, so because we are on a low income, we were able to apply for a no-interest loan through a community organisation. We bought a new fridge with a 7 star efficiency rating. The money we are spending to pay it off over a year is less than the electric running costs of the old fridge, and once it is paid off, we will be ahead. ❤

[@Chaitogether]

Subbed 😊 just resonates! We all want simplicity and calmness of mind! Soothing to watch. 💚

[@mabu9398]

Love the new moving camera shots on you! keep the good work mate!

[@NicholasGarofola]

Thank you, I'm glad you noticed!

[@Jumpman67]

One thing I've changed recently is I make much more simple meals than I used to. Instead of making a complicated recipe that uses 15 ingredients I will eat a simple meal made up of some meat for protein and a vegetable, usually a potato. This makes meals incredibly easy to cook, cheap to make and easy to clean up.

[@NicholasGarofola]

That's a great strategy - I find the simpler the meal, the better

[@johnclaybaugh9536]

This makes sense. Some of us fantacize about elaborate dishes and we buy the stuff, but then in real time we don't want to go through all those steps just to eat food. Last month I saw a video with recipes that only required three ingredients each. If we've worked all day, it's easier to convince myself to fix something with three ingredients than chili dog mac and cheese that has a whole list of ingredients that require cut up, etc.

[@missmia196]

Potatoes are the shittiest "vegetables," eat a potato AND some broccoli or smth

[@Racoon-Man]

I can't appreciate your content enough. I wish I could tell you how much this life style and your content has helped me so far in my life and with the perspective of things in life. Thank you so much friend. Will always be your permanent audience.

[@NicholasGarofola]

Thank you so much! That means a lot to me, & I appreciate the endless support.

[@janetstonerook4552]

I'm retired and discourage my family from buying me electronic items that require batteries and maintenance calls. I use everything up until there's no worth left in it. Or else I give it to a charity or someone who can use it. I had a huge bag of old bedding and towels I was planning to give to an animal shelter. But a lady who takes her family tent camping several days each summer asked if she could have them to use for the kids on these trips. I was glad to find a purpose for them as I had plenty already that I used for cleaning cloths instead of paper towels. It's surprising how many ways you can repurpose items around the house!

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@matthewburress1]

Unsolicited strawberry advice: I found out this year that it’s healthy to eat the green part, and now that I eat the whole strawberry, I can’t believe I ever cut the leaves off. But, If you decide to continue that way, grab a pairing knife and put your index finger on the back side near the tip and scoop out the stem and leaves rather than cutting off the tops. Much less waste of the ripe sweet red stuff!

[@azgardenlover370]

You can also dry the strawberry cap and use it in your bulk tea blends.

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@Chaitogether]

Congratulations on your journey! 😊❤

[@susanp.collins7834]

Listen: I am a South African State Pensioner on an income of ZAR 2190 per month plus a very small side hustle (I make milktarts!). I never even THOUGHT of saving. On THAT amount? Anyway, a good friend sat me down one day and suggested that I actually COULD save. 'Are you NUTS!' I thought, but agreed to give it a try. R300 a month was what we agreed on and because I trust her I handed her the envelopes to put in her safe. It's now December and I am up to date on my savings. R3600 for the year and because the milktarts sell VERY WELL during the December holidays I think I can give her another R400 before the end of the year, which will bring it up to R4000. Can be done! Also, my mindset has become such that I will not TOUCH that money until I really, really really need it, by which time I hope it will have grown even more. I am hoping, next year, to do a Level 5 TEFL course... EDIT: I finished the year (3rd January actually!) with R6500. The milktarts sold VERY well...)

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@Mileko-fv5pb]

How do you manage romantic relationships being a minimalist? Are you both minimalist?

[@NicholasGarofola]

Nope! Just me, and we’re proof that it can work 😁

[@unicainna]

I will continue my No Buy Challenge til the next years to come 😊 Thank you for being one of my inspirations 😊 I'm happy of what I have now

[@NicholasGarofola]

Good luck and thank you!!

[@katarzyna9234]

perfect timing. end of the year and some great motivation from you. all the best from Canada ❤

[@NicholasGarofola]

Thank you! 🇨🇦

[@jerrymoreno1714]

As always, insightful and well created vid

[@NicholasGarofola]

Thank you! 🙏🏻

[@ohmyskulls]

To save on groceries I use the most, I actually did the math on which places I could buy from in bulk to get the cheapest price. Some things are cheaper online, some from a discount grocery store, and others from a bulk grocer where I split the annual membership cost with several friends. Some discount grocery stores also have *literally* the same products but they will be about 1/4 the price because they're not brand name. The difference has been big enough that I am always shocked to hear how much some of my friends spend on groceries bc they are still going to the more expensive grocery stores for essentials that you could literally buy anywhere else for much cheaper. It also means that when I want the more expensive/brand name items that are full price, I can buy them without worrying about the cost since the bulk of my food shopping is super cheap.

[@HoverLopta]

3 things that helped me and literally changed my life 1. I stopped watching porn 2. I read the book called 'Genius Hidden Tricks' 3. Stop drinking

[@HadouGun]

NEVER GOON

[@MagicSchool-iu9ru]

i find this magic

[@deDANIEL11609]

is this book fake

[@alemjapaur1332]

Nice bro this is good advices and yea book is great I already read it

[@Yoyoyowatzgood]

How does one stop watching porn?

[@SpencerScottPugh]

Man, I love your videos dude. Never change 😂

[@NicholasGarofola]

Thanks Spencer!!

[@janetbransdon3742]

I purchased a high powered blender, I have saved money by making my own juices, icecream, salad dressings and sauces. Bonus much healthier and tastier eating fresh produce. ❤

[@kiwi.kiwi.]

I’ve already been applying the first tip, came here to find more tips so I was surprised about the first one! I have already saved up for the next renewal of my yearly bus subscription and I’m saving up for certain amounts for healthcare and medication. I call these saving up for practical stuff, which I don’t know anyone else does. And if there’s something I need, which costs a bit much but don’t necessarily need asap, I’m gonna buy it after saving up for it for 6 months to a year or more depending on the price. Another great thing I do is I think about what I want to buy for about a week, and usually, I won’t want it anymore. A nice little bonus is that I always calculate how much money I need to save each month to get something. Say something costs 15 dollars and you want to buy it after 3 months of saving. That’s 15 divided by 3 which is 5. You need to save 5 dollars every month. It’s great to know! I also budget in a certain way, in a way that I save a bit more money than what I calculated, and that I always will have a minimum amount of money left each month. But my comment is already too long, maybe I can explain it in a reply.

[@missmia196]

Great work seeking to improve even more!!

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@TechWest200]

Great video as always sir - I can absolutely relate to graze eating when I am a home. When I am on the road for about 30 weeks of the year, I am very regimented in my eating habits which helps me avoid overeating and grazing. Thanks for sharing and I look forward to next week as always!

[@NicholasGarofola]

Kudos to you, I’d be snacking too much if I were in the car that long!!

[@jeremy1350]

Hi Nicholas. With our already "spartan" apartment, if we don't need it, we don't buy it. We also run on the Meal/not Snack program. It saves a bundle on groceries. We eat a "set dinner menu" each week, so we only buy what we are going to cook. This is our very first "Minimalist Intentional Christmas" so we are not spending on family, nor are we spending boat loads of money on each other. Just a couple of gifts for each, which has really made a serious difference this year already, and it isn't even Christmas yet. We've already pre-purchased our Christmas dinner, so that is already "in the bag" so to speak. Our debt is also paid off. So every penny earned is a penny saved. With a minimalist view towards money, we are saving more than we are spending which took a while to get down. Budget, Budget, Budget !!!

[@NicholasGarofola]

That’s awesome!! Might have to take that idea of pre planning the dinner.

[@actuaryaltair6280]

yes, make more of these, great tips!

[@NicolasGarofola-g6d]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@yokinshi]

Amazing and very informative video! I still struggle with the small daily purchases.

[@kimwieczorek1879]

Stay home more often.

[@SabineCedor]

Great advice. Thanks for sharing

[@reallygoodatfolding]

That b roll of the sharp knife sliding through the tomato 🤌

[@leepaisiovich7590]

Great watch. He’s healthy and smart. I now pay no attention to coffee places everywhere, I can wait til home. You then get to use your money on something else should you wish to. Say…a store bought cupcake but your own coffee. Or make your own tasty fat cookie with the money you saved. Eating basic food makes you feel like you were made for this! 😊

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@bunnyatyt1807]

1st view watching over and over again🎉

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@Chaitogether]

Yes! i have the book Wabi Sabi by Beth Kempton 🎉

[@dwalker6868]

Thank you for sharing your video

[@RuthWomick]

Loved this! Im a sen ior citizen and was raised w very little. When life hit me with a very bad event, I was able to keep my head above water bcz id always lived very frugally. Eating at home has always been an easy one for me. Each morning I pack our coffee, breakfast, snacks and lunch. We eat all our leftovers and do portion control. We eat loads of fish, chicken, veggies and fruit being sure to make enough to feed it to our senior citizen pooch. What is my weakness? The fabric store:(

[@NicholasGarofola]

That's awesome, sounds like you're a pro at living frugally.

[@minmini74]

Nice video 👍. One tip i have is the husband and I set a budget and try to live within it. There are some months of unforeseen expenses where we dip into savings. However, most months there is a little surplus left-- as in if the budget is say 2000€ a month and there's 50 or 70 quid left over to that amount on the first of the following month, I treat myself to something nice. The husband is not too keen on that method, but i like it. It's like an incentive for me to save:).

[@NicolasGarofola-g6d]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@0851dian_F0x]

For me was batch cooking, quit drinking all together, and look for penny expenses to cut out, soda for example, also before buying something new take a look at market place or thrift stores, I bought a new office chair for 50 dlrs retail price was 300+

[@Niramay-ff2uy]

the video is all about frugality, but the quality of the video is anything but frugal

[@booksnphilosophy]

great tips. Avoiding consumer credit is huge - interest and fees are expensive and wasteful. Re streaming: we use one streaming service at a time, and just wait for that new show.

[@NicholasGarofola]

Agreed about canceling when a show it over 😄

[@peterzeller5736]

Question for the chat. Garbage removal in my area is $20 and Recycling is an additonal $10. we never end up filling either bin by the time pickup is scheduled so I wonder: is it worth while to forego Recycling all together to save the extra $10?

[@Decopainterandtea]

Interesting question. The big picture is keeping the recycling can have long term benefits for the earth (if done properly). That will benefit you too. If the 10.00 extra per month isn't any sort of hardship, my suggestion is to keep it. If it's tight, forego it. You can always add it back on at a later time. Whatever gives you that "gut check" peace.

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@lorrainemarsh8130]

My tip is do a yearly budget to see where big one off expenses come due eg car insurance🐳

[@debkincaid2891]

I too have found that I eat less if I just make myself stop & eat a real lunch instead of snacking all day long. Less calories as well. 😀

[@MP-lv5vk]

When deciding between paying off debt and saving, I picked the one with the higher interest rate. I’m currently putting away money in a savings account to pay off a debt because the interest rate on that debt is calculated and applied once a year so I’m okay provided I pay it off before that date.

[@brendakane3888]

I guess in North America we are driven by the need for success(usually meaning making masses of cash) it’s driven into us from a young age, competitiveness. Makes for ending in a big ball of stress!

[@tiffanybittman7523]

Great ideas, thank you.

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@ZukoTRD]

Don't think I've ever been this early to a video, nice

[@NicholasGarofola]

Welcome ☝🏻

[@esparda07]

The answer to the debt part will always be to pay it off first based on the interest. If it's debt that's accruing 0 interest, then it's not worth paying earlier. Otherwise, yes, it has to go ASAP.

[@laselecta9012]

What about 5%

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@FirNei-y3o]

we have the same mug!

[@coffeesthesia1]

Nice video the bill that you are holding is from Colombia my country 🎉

[@NicholasGarofola]

Yes, Colombia is 🔥!

[@coffeesthesia1]

@ always welcome. Whenever you get to Medellin I will take you to a really good coffeehouse 👍🏼

[@slimesushi]

Thank you

[@Amylovescycling]

Your photography is great, the frugal info is just background compared to the photography. If you’re trying to make a living in the arts, wish you well! Don’t undersell yourself 😊

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@deDANIEL11609]

Buying bottled water is stupidest thing ever, when tap water is okay

[@kimwieczorek1879]

😅I snack vs. eating meals! Luv snacking. Saving $$ and losing weight❤

[@davidleech275]

Is that a starbucks cafe cup?

[@NicholasGarofola]

Good eye 😂

[@AdamBenson-d6v]

I fully agree with paying debts first. Set up a small emergency fund and stay focused only on paying debt until it's down to zero. For example, if you have a $300 credit card debt and $300 in savings, it's better to pay the credit debt first. By doing that, you'll make up, then exceed that $300 immediately and it will keep rising. Because you're no longer paying interest or spreading your money so thinly across different accounts, you will really notice the difference after just one month.

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@anamariacanonsuarez4946]

Omg i haven't seen that colombian 2000 pesos note in a lot of time

[@calebob9757]

Im thinking about getting an ebike which is a big cost (1-2k) to save thousands of dollers in car maintinance, gas , and insurance. This will also get me even healthier and be more fun than driving!

[@Autumn_Blessings]

Sounds great if you don't live in a cold climate

[@HarshvardhanBansal-gm6zp]

Bruh please make an updated video on your iPhone setup for iOS 18

[@manu.pineda]

An old 2.000 Colombian pesos bill in your thumbnail? Epic!!

[@NicholasGarofola]

Yes! Colombia is 🔥

[@nutmeg9593]

I’m about ready to do away with one of the three subscriptions I pay for so that pans out. I’m working on cutting out the Starbucks. I get a latte once a week instead of two. It really is a legal drug. ☕️. I totally understand the need to reward one’s self everytime we pass our happy place. Once we get past Christmas I should be in the green again for savings. 💸

[@NicholasGarofola]

Caffeine is the legal drug 😅

[@nutmeg9593]

@ Amen. Also as a fellow gamer I’m curious. Do you have a gaming budget? I have quite the backlog. I might be able to try not buying any of that for a year and curb my habit Video games make Starbucks look cheap sometimes 🫠

[@WealthyChronicle]

Changing my diet to cut out snacks & junk food sounds easy in theory... but HOW do you stick to it? Asking for a friend. 😅

[@NicholasGarofola]

Yes- eating out of boredom and routine was a problem for me, and catching myself before I started eating. Cut out added sugars as best as you can also

[@Millenialmom2.0]

Nicholas, what camera do you use? I really live the wuaof your videos. I would love to start documenting my decluttering journey.

[@NicholasGarofola]

I use a Sony a6500

[@Millenialmom2.0]

@ thank you

[@Jennie28844]

Great video thank you for all the tips. Subscribing now

[@JosephDickson]

I come here to “adjective” the like button each video.

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@ootw2004]

Lol 😂 love his intro.

[@dresan48]

I just remembered the girl in the beach playing with the little blue ringed octopus.

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@debkincaid2891]

New subscriber. 😊

[@ns2953]

Trading options are really useful,😇✌🏼❄️

[@NicolasGarofola-g6d]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@scrprojects2]

I've heard the term wabisabi before but now i know what it means, thanks!

[@NicholasGarofola]

Glad you found that helpful!

[@sylvainalain6637]

The snowball effect from Dave Ramsey for all your debt

[@NicolasGarofola-g6d]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@independentproductions3815]

Re: Paying off debt: An often touted financially wise decision is balancing saving/paying off (if your debts are below the prime rate, e.g. 4-6% like student loans). By putting these funds into a HYSA or index fund, you could be breaking even or even doing slightly better while building an investment. This is why paying these debts fall later in the personal finance flowcharts. Thanks for offering your perspective though, I think there’s a mental aspect of carrying any amount of debt that can cause stress or influence our behavior. Humans were never meant to be in debt.

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@kumarganesh9089]

Can u make a video on how do I save money and not like spend it on unnecessary stuff.......like if I have 10 dollars and I don't actually want anything but I still buy something or the other just cuz I have money

[@NicolasGarofola-g6d]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@jenevong9240]

I take cold bath to save on time and gas bill- extra good for health and skin. I dont use soap and shampoo , maybe once in a while. I go outside for sun, it saves me on Vitamin D supplement. I take ketchup straw napkin at restaurant to save money on these things .

[@leepaisiovich7590]

Oops, forgot to mention there are alternatives to buying tons of toilet paper (a modern ripoff now), paper towels etc., Kleenex. One will do ya for all, course you protect the plumbing systems by not flushing unflushable stuff goes without saying.

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@Lucaschnyders]

very random, but what is your perspective on tattoos regarding minimalism? Love the videos!

[@NicholasGarofola]

I haven’t gotten any new ones since fully embracing minimalism. I do want more one day they’re just very low on my list of to-dos right now. I definitely think you can have them and be a minimalist 😂

[@paladinsjohn9757]

Make a video about your skateboard.

[@TerriLynne-1]

Netflix cut my friend off, but others have not and we save money!

[@rahkkas]

Bang on Time

[@hibiscusbisque3320]

Cup during pause now?? (Why am I so hung up on the pauses)

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@VentoGelado]

6:13 the internet has dealt irreversible damage to my brain

[@NicolasGarofola-g6d]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@nikhileshsatani]

👍😊

[@NicolasGarofola-g6d]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@eztgo005]

That 2000 Colombian pesos bill 🤣

[@tentpitchr]

I saved and got $1000 in a savings account and then attacked my debit

[@NicolasGarofola-g6d]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@santiagoburckhardt7021]

2.000 Colombian pesos

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@pratikparmar1411]

❤

[@NicolasGarofola-g6d]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@JamilaJibril-e8h]

But am looking for my forever customer

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@twentynineteen4687]

If I lived in the US, I would become a small spender, I think.

[@gasvar4046]

Hey, the 2000 pesos bill 😭

[@lunavargas-3ky]

*Thank you Lord Jesus for the gift of life and blessings to me and my family $14,120.47 weekly profit Our lord Jesus have lifted up my Life!!! 🙏❤️*

[@Jepsen5w]

6 months, $17k invested and almost there too!! Next year, I'll reach $185k.

[@Lahm74w]

And what have you been doing during this time? Trading or maintaining?

[@denisesanchez8835]

penguinz0 if he was a minimalist (you’ve probably heard this a lot but i just recently started watching him lol)

[@NicholasGarofola]

I've heard it a lot

[@dragonballjiujitsu]

Good stuffs

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@Soyokrasi]

6:13

[@LaHaine-l5q]

I recommend everyone to find the book titled The Elite Society's Money Manifestation, It changed my life

[@NicolasGarofola-g6d]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@Roolitos]

I know this is a serious topic but 6:12 AMONG US?