Budgeting Basics 2

[@Stockology]

Hey beat the bush, the skills to change oil, replace coolant, and fill tires were really good. I know over the past year I've saved at least $100 a month from doing these things myself!

[@BeatTheBush]

Totally. And it only takes a willingness to learn. Some people will say they are never touching it or they don't know how etc.

[@Stockology]

Quick KZbin video like yours can teach you a lot! That's how I learned how to replace my coolant by just watching KZbin.

[@BeatTheBush]

Problem is you never know about the contents of a video until you watched it.

[@jobellecollie7139]

Stockology i've never tried repairs on my car. kudos to you!

[@prospertech1860]

Awesome. helpful talk. always helps to get into details. thank ya

[@BeatTheBush]

=D Going to apply any of it?

[@maeang3471]

I am really thankful to watch your videos. As a young age, it really inspires me a lot. Were in fact, I have just started today lol. Well, wish me luck!

[@daveh4864]

Thanks for separating DYI and adding a link. Your videos are super helpful and informative. Keep up the great work.

[@BeatTheBush]

No prob. Seems like this channel is taking a life of its own. =D

[@TheHyena-ru8bz]

Another one is to buy used things on craigslist and ebay. Yes, their is an amount of risk but in the long run you save a lot of money as long as you make a wise decision. When was the last time you went to a barber?

[@BeatTheBush]

I like used sometimes. Yes there is risk with the in person exchange but you can minimize this by doing the exchange in a public place. I would advise against getting furniture as that can bring in unwanted pests such as termites into your home. When I went to the barber. I never go to the barber, when I went, I went to a salon, lol. This is probably 2010? And even before that, I might have went once or so per year before 2010.

[@SteveSmekar-ll6ln]

I am lucky, my ladyfriend is a cosmetologist and she cuts my hair and I barter with buying a bag of cat food for her. Now, I have an extra savings tool in my belt, camelcamelcamel.com, thanks, friend.

[@superblue2304]

😁love your spezial guest !,, 🐥🐨🐛🐲, keep up the good work,👵

[@BeatTheBush]

Thanks! I talked about them in my latest video 'This Channel is Alive' if you are interested in their backgrounds.

[@cd-ux9ot]

Hair looks great never noticed!

[@BeatTheBush]

Thanks! =D

[@vitavolpi7840]

Great video as always. One comment is that I would be concerned about choosing something like a landscaper or another contractor by lowest price. In the US it is fairy easy to find sketchy contractors who use an exceedingly cheap rate so that when customers complain about their shoddy work and low-quality materials, they still have other contracts. This can be especially dangerous for things like structural work. Thanks for the video!

[@BeatTheBush]

I knew someone will say something about that! lol. Yeah, choosing the cheapest might have drawbacks so you have to choose carefully and possibly find people who had their service before and check out their work.

[@ahkeen]

That refi mortgage is interesting. Is there really low cost refi? Many places I talked to charges anywhere from $2k - $6k.

[@BeatTheBush]

Sure. There is no cost refi actually. It really depends on the interest rate rate change landscape. It was no cost when it was going down.

[@jshukla423]

You said in a previous video that you track your expenses through a spreadsheet. What does that look like? And any tips for expense tracking

[@BeatTheBush]

I track my networth monthly but I might track expenses once a year just to get a look at what I spend. Networth tracking here: kzbin.info/www/bejne/o3m4mYF5rtablbs

[@Damion10931]

+BeatTheBush What do you think about churning Bank Account Sign up bonuses and closing them after 6 months?

[@BeatTheBush]

It's fine. But I think it takes too much time. It'll be great if you're able to do it without having to show up in person.

[@lislinemaddox2702]

Can you do a video on refinancing student loans? I have some private student loans I want to refinance because the interest rates are really high. What could I do? Which refinancing company is the best?

[@BeatTheBush]

Here is a video on that: kzbin.info/www/bejne/sH22g42bhp51j7c

[@erikaerika7788]

very nice video,,, the only think that mess up my budget is medical expenses, when you get sick when u get sick :( i just had minor surgey and was 40k ,, ridiculous,, thank god i have health ins , or i would be broke :(

[@BeatTheBush]

Yeah, it's very important to keep yourself covered. However, the US healthcare bills are often ridiculous and inflated.

[@loslosnimo023]

i think its also important to emphasize the value of your time over the amount of money one can save for a given task you impose to yourself just to save a few extra bucks. if something takes too much personal time and have a certain risk of difficulty, its also financially beneficial to just buy that service.

[@BeatTheBush]

Agreed. Adding to this. How much is your time worth. How much can you make per hour OUTSIDE of your day job.

[@loslosnimo023]

priceless.

[@dcypherd]

Ever done a review of YNAB?

[@BeatTheBush]

+dcypherd Hmmm it's 34 day free trial then bills $50 every year. I wish they just sell the whole thing to you for $50 rather than a recurring expense.

[@dcypherd]

BeatTheBush yeah they used to sell it as an application as a one time thing. For what I make it paid for itself easily in the first month. Been using it about 6 months, in the first year it will probably pay for itself for the rest of my life. It has been a great tool in my planning toolbox. I know you are big on spreadsheets, just suggesting it for those of us that aren't.

[@BeatTheBush]

If it works for you then I'm glad. Some tools work for people better than others. =D

[@Lettuce100]

you should definitely do a video of you cutting our own hair in your other channel

[@BeatTheBush]

It'll be one of the more difficult one to do but I'll think about that.

[@luxaeternae]

i look at bank account and make a list of everything that is monthly charge. often you dont need something.

[@BeatTheBush]

Monthly charges are the worst. I try to get rid of as many as I can. Except internet seems to be crucial for watching KZbin videos. =D

[@ericagrey7828]

u have really good videos

[@BeatTheBush]

Thanks! Enjoy! =D

[@Myfrugallife]

I cut my own hair too. It only takes me 5-6 minutes to do. I even made a video on that. It's my second most popular video. I never thought people like watching these kinds of videos. Lol

[@Myfrugallife]

By the way, your hair looks great.

[@BeatTheBush]

It seems it's a very niche type of video as not many are going to attempt this. If you mess up your first time, it's pretty embarrassing.

[@ira-teroth-erford8149]

I've been watching your videos and talking notes lol

[@BeatTheBush]

:D

[@cluebug]

In my experience Geiko insurance is not worth the discount. Someone with Geiko hit me and totaled my car and his car was old and he was under insured so, my company had to pay and sue his.

[@mojoismyrealname]

... I love your channels, but am so curious about the stuffed animals.

[@BeatTheBush]

What about them do you want to know? T-Rex, IceBat, Steak, and Peas in a Pod.

[@mojoismyrealname]

Why you have stuffed animals mainly? Because you're an adult male, seemingly practical. I understand Ice bat- "Feel like you're losing your cool? Feeling like a fool? Ice Bat is there for you!"

[@jajasmile5321]

Yes save but that's not the only mission you should have , also increase your income prices are always going up .

[@RickMartinYouTube]

you do a very good job on your videos, you speak fast and I need to rewind once in awhile - it sounds like you're in a hurry.....maybe change up the background every so often....use some sort of graphics program to list your points

[@BeatTheBush]

Ha ha... I am trying to improve the videos. I'm a one man band so doing my best.

[@Papalevanvao]

my wife cuts my hair; we bought a buzzer. been doing this for a year now.

[@BeatTheBush]

Ha ha! Nice! Don't forget to learn how to do fades. Make it look professional with practice.

[@KapelloMg]

Hey I noticed there's some background noise on this video, this should be very easy to fix with some audio editing software such as Audacity, may want to look into that c:

[@BeatTheBush]

Wow, you notice. I fudged up in the sound with my fat finger. This is the result of trying to fix it so it already went through some editing. I'll have to make sure this doesn't happen in the future.

[@KapelloMg]

ah my bad, being new to audio editing I assumed it was raw audio, I actually gave it a try myself and realized silencing the noise is quite a bit harder than I thought hahah. Hope you can figure it out, if not I still enjoyed the video plenty :) Very nice tips, and it's good to see creators handling feedback nicely.

[@BeatTheBush]

It's only because I messed up that it required post processing. Normally, its just unprocessed. Thanks!

[@cuddlesxyz]

yes I learned to wax my own eyebrows I call this a "fake expense" where I buget as if I'm paying myself else for it and physically put the money aside so I'm grantee to save and see the savings. a small pot of wax will last you years you can even split it with 3 people it will still last

[@BeatTheBush]

Interesting mind trick. I think I would be broke paying myself all the time then, that is, all the money will be 'set aside' lol. I just clump it all into one and not really keep track as doing everything myself is sort of the default.

[@hangfire5005]

Buy a double edge razor and get packs of blades as low as $2 or even less. There's no reason to pay all that money for something your gonna use a few times and throw away.

[@BeatTheBush]

I tried that one and it didn't work too well for me at least. It was about 2x slower but I do agree it's worth a try.

[@hangfire5005]

I had that problem at first but now I shave after a hot shower and use some proper shaving cream, the canned stuff is too dry for these razors. Your skin has an adjustment period when you change razor types too..

[@BeatTheBush]

Hmmm. Might have had to try it longer. I got a handle that way too heavy too compare to a plastic thing 1/10 the weight.

[@sonderevokingbuns]

how to save more money: I replaced a roof at the age of 18. It was difficult. I'm still alive.

[@BeatTheBush]

Nice! But then there was a little bit of risk there in safety. If you know how then it's safe.

[@sentinel471]

My brother re-roofed his house and saved $15K. It's really not that hard.

[@BeatTheBush]

Wow... that's cool. I guess I cannot do it myself. I lacked the knowledge.

[@MoonLiteNite]

Largest thing in my budget is theft

[@BeatTheBush]

You mean you have things stolen from you that it costs you a lot?

[@MoonLiteNite]

taxes, around 30% of my income, housing is only around 20%

[@BeatTheBush]

Lol. It sorta is considering how it is spent. So what can you do?

[@jobellecollie7139]

Christopher Banacka move!

[@Madsci1]

Aarp sends out retired accountants every year to the Ymca and they will do your taxes for free.

[@BeatTheBush]

Nice. I saw them do free taxes at the post office too.

[@hrdive1]

Do not do your own timing belt. If you don’t do this properly you will ruin the engine.

[@BeatTheBush]

Well... that can be said about most things. If you use the wash clothes improperly, you will ruin the washing machine. If you use the knife improperly, you will cut yourself.

[@thomastremblay3231]

I Don't think that saving 200$ an oil change will help you finance. Just increase you're income.

[@chinitocutie]

You will look more handsome if u pay someone to do your haircuts 😀

[@BeatTheBush]

Naw. I don't really care. Maybe when I have spare money to burn I'll go get a hair cut.