Extreme Budgeting

[@ladypilliwick8179]

Hmmmm. I lived in my car for 10 years....I worked heavy construction 60 hrs a week ... I don't drink or smoke.... I always parked under the lights at a truck stop. They have dinners, TVs, and showers there. I always found the high schools and used their track to run 3 miles a night. I paid cash for a 500 acre farm and put my 4 children though college. I'm completely out of debt Now I sit on my porch. count cows and watch the sun sets

[@BeatTheBush]

Wow... 500 acre farm in cash, nice! Count cows! Oh man... I always wanted to make friends with a cow but maybe they are hopefully a bit smarter than chickens.

[@versacevampire609]

💰💰💰

[@eca2641]

My girls and I are saving to convert a school bus and travel, living minimalistically, getting out of debt and begin creating our wealth. I commend you for going against the social structures and judgments of what a "normal" person "should" do and choosing your own path. That way the entire journey is joyous and enriching. 👏🏽👏🏽👏🏽👏🏽👏🏽

[@June0696]

Which state is this possible? I want to try this also

[@eca2641]

VIP what? Live in a vehicle?

[@TeKnoVKNG23]

So many people underestimate the eating out thing. There are people at my office who go out for lunch at least 4-5X a week and they ask why I bring lunch every day. I explain to them they are spending $50 a week = $200 a month on food that might taste good, but is garbage in their body, and that I spend $40-50 on 2 weeks worth of groceries and get so much food for that money. I told one guy one day that for his $8 Wendy's combo he could have bought lunch meat, cheese, and a loaf of bread and had sandwiches for over a week. His eyes kind of glazed over. Some people just don't understand this concept of money and with having a debit card to just swipe, so many have lost the feeling of how much they are spending. Easily the fastest way to clean up money in your budget and glad you highlighted it early in your video! If more people sat down and looked at even their daily expenses they would find easy ways to have more money. Most people I know spend over $100 a month on daily coffee from Starbucks, lol

[@BeatTheBush]

Glazed over eh? You don't really need to try to help others who are not asking you how to save money. Just let people be as they are. Meanwhile, you can do you. =D Or... like for you who care enough to watch this video. =D

[@daniellamoreno3616]

TeKnoVKNG23 Its tue Im.thankful.I.work in kitchen where the food is free and hardly ever eat for lunch or breakfast.Dinners I eat at home with my family 5 days a week.Maybe one.Ill get to go chicken for 6 dollars then use that for rest of the week.

[@MyLady22]

Yep I agree! I try to bring lunch from home every day and the longer I go without going out to eat the happier I am because I know that each meal spent at work can run me $8-$10 each and thats a lot of grocery money wasted on a single meal.

[@becsterbrisbane6275]

Crazy! I see the same thing at work- we have a bunch of fast food places readily available right downstairs to where I work, and I see everyone with their bags of fast food every day in the kitchen! And here I am, with my lil' blue lunchbag carrying soups/ rice dishes, sandwiches etc (I usually make a bunch on Sunday night & freeze for the week). They laugh at me until I tell them this was the way I was able to buy my first home- all by myself. I'll treat myself to a cheeky bacon & egg mcmuffin on a Monday mornings (paired with free coffee from he work machine). And now I'm working on growing my own food at home so I can save even more!

[@sherpatrailers150]

Luckily live in a small town with no Starbuck, besides I don't like sweetened coffee drinks! Save a LOT of money.

[@ambergirlever]

If you're friends drop you because you don't want to eat out, then they're not real friends. :(

[@likestoPlayInPuddles]

@Andrea Serrano-Seaman I enjoy saving money and being outdoors. I personally dont like eating out, it's expensive and most of the time home cooking is 1,000% times better period. from time to time 6-10 times a year. funds can go dry when you don't think about the big picture. im totally out of debt and going for a house, so a real real budget is about to hit home. not much of a change but spending less til better jobs come along and make side money with my time (researching new things that are helpful skills). then setting things up after I am prepared to do esales w out spending much.

[@likestoPlayInPuddles]

@Andrea Serrano-Seaman i get ahead of myself sometimes when i am in thought lol all over the place so to speak. and sometimes it comes out like vomit all at once. :-)

[@tubewoodycool]

It's not aobut them dropping you, it's just that if you always have economical reasons for not being able to do stuff with them, you will meet them way less and slowly drift apart

[@adrianerhodes1811]

@@tubewoodycool I mean or you could go check out libraries, play board games/video games, have potlucks, go hiking, go window shopping, go biking, take part in a marathon. Like you can put EFFORT into your friendships and you won't drift. And oh yeah ^^^ All of those things are FREE.

[@tubewoodycool]

@@adrianerhodes1811 True, but you hav eto be realistic too. A group of guy friends in their 20s on a weekend would rather go out partying than going for out for a run. And if you always say no to these things that cost money, you will not be able to hang out with your friends as much (at least for 90% of people). I love saving money, but you have to spend some on having fun too, otherwsie what's the point in saving?

[@TheMindfulMillennial12]

Glad you clarified your chair's flatulence! 😊

[@BeatTheBush]

=D

[@petinachambersmcvay8482]

I thought that disclaimer was hilarious! ...and stated so professionally. lol

[@carableu]

LOL!

[@erinjk123]

Cracked me up

[@mdw000]

He's too funny!!

[@lauriejamesmackeson]

The best budgeting tip I have is: Having a “bigger...better...clearer” image of what I want. I sometimes clear my “after work and weekend personal time schedule” free for a week or two and do some brainstorming / dreaming time to evaluate if what I am doing are “most important things”. Edit: Huge thanks sharing your budget. [For me at least] It’s such a personal thing to do!

[@BeatTheBush]

Big question is are you using that thing that you pay a lot for? More spending the more time you spend on it. =D

[@turtlesage364]

Regret buying a Honda Accord Hybird for $37,000, but I still have $8000 to pay off. I'm done with credit card addiction. Making $75,000 but still poor. Need to stop eating out too much.

[@BeatTheBush]

Not eating out as much will really cut the costs by a lot. Pay off all those loans!

[@user-yr3uj6go8i]

You can always sell your expensive car if you want to as long as you keep the money when you get paid for selling it.

[@yokoono1784]

you just stupid

[@eatermckinnon4644]

Turtle Sage u only figure out those lessons AFTER you go thru them. Now u know

[@Voidatursan]

I’m in the same boat. I spend 1k+ on food a month 😂😭 and I’m single

[@MC-gb4zn]

I like how you had to specify that you are not farting. You should have trolled all of us, say nothing and wiggle in your sit every now and again lol.

[@BeatTheBush]

That was what happened for the past few years already.

[@Tony32]

I dunno, yesterday's "fart" was pretty convincing. Looks like he tried to edit it out lol

[@BeatTheBush]

SIGH.....

[@dylandelgado4271]

MC has

[@Tony32]

I was joking, look at the spelling.

[@NikkiSchumacherOfficial]

I love the way you communicate! Awesome Budgeting tips. My husband replaced our light bulbs and you are so right- they saved us a TON.

[@thomasking4791]

You have the perfect budgeting mindset. ie. Turn it into a 'game' of optimum efficiency, rather than feeling like you're denying yourself. Wow I spend more on my WEEKLY food budget than you do monthly.

[@BeatTheBush]

Putting the most money on what you enjoy most and reducing on things you don't care much about. Then you maximize value.

[@gigisplayground4657]

Thomas King - Totally. But then again I do buy probably a lot more convenient food than him. More stuff in jars, packets etc. I don’t do a lot of cooking from scratch like he does.

[@MyLady22]

Yes I agree. He has the smartest budget mindset out of all the budget videos I've watched by far and trust me I've seen a LOT of other people's budget videos. It's good that he showed his personal budget and it's good that he still lives luxuriously with a nice car, clothes, travel, and not cheap out on his friends. A lot of budget videos try to tell us to skimp out on friends and skimp out on clothes and not to travel but common now...let us enjoy life a little.

[@Jewel_xo1]

I have watched at least 5 of your videos since finding your channel this morning lol I love them! It's amazing how disciplined you are to prioritize net worth and assets over today's "norm". I am a new sub, and will def. be taking your tips and adapting them for me and my 2 yr old daughter's lifestyle.

[@BeatTheBush]

Doing it that way makes your money work for you. You don't have to do it all the time but just until you have enough to live on. Then the options vastly opens.

[@3dextrude]

fart sounds coming from the couch is exactly what someone farting would say.

[@BeatTheBush]

=___=

[@BeatTheBush]

I pay mortgage and health insurance. I left it out of this video as the intention was for you to compare all the other bills only. Mortgage/rent and insurance differs so greatly between people that it WILL be different so not worth comparing. Some might rent for $500, others $2500. So please only compare the bills and think about reducing them over time. Work on one or two of them every month, it really takes that long if you are switching services and trying something lower cost.

[@le_th_]

Mortgage and insurance in the SF Bay area are both exorbitant, so no wonder you left it out. If you told people how much we spend on rent and insurance here, no one would watch your videos because they would think you're crazy for paying it. The same is true for what we spend to ride BART, and what we pay in tolls. Also, your food budget is lower than what is provided for a single person on food stamps in the Oakland/SF/SJC area ($180ish/month, I believe?), so it's hard to accept that $120/month is all you spend. However, if you also spend $100 eating out, that just about makes up for the difference (and I hope you're not one of those people who eats out and doesn't tip people). It's also hard to believe that you spend $0 on clothes at Banana Republic. It defies logic that you shop at a brick and mortar store and pay $0 yet walk out with clothes (unless you're committing theft). You can get some really good deals on the sales rack there, but $0??? Highly unlikely without stealing them, and hopefully you're not doing that.

[@maxios]

your the real MVP.

[@jasonatkins6111]

How about not having to worry about money?

[@DonRobertson82]

Man, My electric is $140 a month and gas is $80.... for a small house.... I wish I had your gas/electric bill.

[@user_abcxyzz]

Don Robertson he likely pays a HOA, and doesnt have a single family home.

[@PresidentGuevara]

I can’t tell you how much I appreciate your content. It’s so helpful. Thanks man.

[@CanadianRealEstateChannel]

Always awesome to see others breakdown their budgets. You can learn sooo much about a person and their priorities by seeing where/how they spend their money. Thanks for sharing!

[@BeatTheBush]

Oh man... I think I revealed so much from my budget, lol.

[@santoor02]

It’s easy to budget without a family and kids. But once u get into that it’s a whole different ball game.

[@BeatTheBush]

You are probably right. I may or may not find out. =D

[@manuelelzer2310]

I agree it's different but still: there is lots of room keeping a budget with a family. Kids don't need as much stuff as they often get and it makes sense to at least agree with your partner about your financial goals. Otherwise you could also split the expenditures and keep your own budget separate from the "family budget"

[@x18xfearless]

Wife and kids increase your Budget 10 fold

[@x18xfearless]

You'll pay for school and/or daycare, Life insurance and disability to cover them in case something happens to you, diapers, formula, Larger Vehicle, Larger House, Toys, Extra curricular activity cost like soccer, swimming, baseball gear, a lot more when you eat out, etc... that's just scratching the surface.

[@manuelelzer2310]

Nelson Nakatsu maybe that's true for your case. In my case: GF has roughly the same budget as I do and she also earns similarly. Son (5 yrs) needs significantly less than each of us and I don't see that going up that much. And if so he has to earn his own money.

[@judya.shroads8245]

It it mandatory in my state to have liability on every car. I have also pared down all my bills to about $525 a month. I have no cable or even have a dryer. I hang clothes all yr long even in a snowy winter, but inside. I do take bed sheets and comforters to laundry mat. No movies, expensive electronics ever. I garden in the spring and summer to raise my food.

[@XYZABC1234ij]

Move to a different state that lifestyle will be way easier

[@grugru8407]

Judy A. Shroads in other countries it‘s so normal to air dry laundry, it puzzles me everytime someone tumble dries their clothes, it‘s just ruining them so much faster...

[@debhufnagel5912]

I paid $6.95 each for my glasses from zenni optical.

[@leoj4life]

He calls it extreme budgeting. I call it a extreme luxury

[@t.kuykendall517]

I appreciate your honesty. It's refreshing to hear how you budget - but are not broke. I'm certainly listening and enjoying your channel. Oh and putting some of these things into action too! Thanks.

[@BeatTheBush]

That's what I like to hear! It takes time to cut it down so much. So work on it slowly and try some cost cutting measure for size. If you don't like it, you can switch back. I've switched back for a few things myself.

[@rosemarywilliams9969]

Forget the glasses! Give me those adorable toys on the sofa🤗🤗

[@AndrewKNI]

Looking a cool dude today :-) Must check my budget along the lines you suggest.

[@BeatTheBush]

Then use it on things you do care about. =D

[@7motion985]

I like the combination of those prescription glasses and that long sleeve shirt, I have to give you the credit looks good on you :)

[@BeatTheBush]

=D Thanks!

[@jodimichaels3844]

I have lived off $1k a month for 7 years. Its not easy I have a medical condition, which makes it hard. I own a Lexus and a nice apartment, clothes etc. I have no husband/room mate/boyfriend to help. But I do my best! Food/restruants is where you can eat on less. Americans we induldge so much and I am gulity. I have had family help a few times when I was ill and needed something or a medical bill that I needed help paying or my medical treatments would end. But normally no. If you live in a california, which I do not it would be really hard for me. If your reading this and dont have alot of money have hope you CAN DO IT!!! People have no idea I live off that amount. When I start dating a guy and it gets brought up they are in shock. They all want me to help them on their budget..lol. they spend on going out to eat a month on my income a month. They all want to marry me because they know I wont spend their money...hahaha.

[@BeatTheBush]

thanks for sharing. =D Wow.. that's some low usage. Hope you are saving some good emergency funds with that rate of savings.

[@devonawilliams5424]

Amazing..i am in the process of starying over, and i am going to be on a strict budget..i hope to follow your lead..Great work....

[@jodimichaels3844]

This is the scary part since I not well It not easy to save. I worked for a year at 1 of the top companies to work for in the USA. I had to resign. I am going to look at going back to work and getting more emergency fund. I am also a minimalist but not in a 2 fork kinda girl..lol I have 6...haha. My my daughter's father is a pilot and has million dollar home in Chicago. He can't figure out how in the world how I do it. I was looking at your patreon about helping improve my credit score. I went throught it the other day line by line disputing what should drop off. Could use some advise on that. The medical bills took a hold of my credit. :(

[@jodimichaels3844]

Thank you!!! When you get sick you have no choice. So just act like you have no choice and ask yourself...Do I need or want and that will help you a lot on making decisions on purchasing!

[@odi97thegreat]

1000 dollars is a lot!, i only spend 100 a month ( Houston)

[@MsMuslimahgirl]

im so happy to see this channel grow! you helped me out a lot during my first year college

[@BeatTheBush]

Thank you! I'm glad I helped you in some way. =D

[@sets51]

Thank you, Beat the Bush, for explaining your budget and letting us know how and where you get some low and free things. I love your channel.

[@BeatTheBush]

No prob! Feed back helps me know what is important for you and other viewers. =D

[@LovingAtlanta]

👍Great tips. I've been practicing extreme budgeting just to test myself and see how extreme I can go. I burn candles (love the vanilla smell). I fast a couple days a week for health reasons. I have days were I see if I can go without spending any money at all. It's fun. 😄

[@BeatTheBush]

I worry about the inhaling of candle wax and/or soot. Not sure if that is good for you or not. It seems not too good.

[@LovingAtlanta]

+ BeatTheBush - I’ll look into that. Thx. 👍

[@nevergiveup9321]

LovingAtlanta oil diffuser r the betr way.led lights r just as cheap n healthier.

[@LovingAtlanta]

+ brandee bibi - Thanks. I will give it a try. 😁

[@zzbodybuilding8867]

Worked near full time in Target and lived on about $800 per month. Was a god awful time in life.

[@erinm.3440]

ZZ Tinger I also worked at Target for years, and made around the same amount. it was hard.

[@BeatTheBush]

Omg... how much is that an hour $6? Sheesh. I'v earned very little when I was young, seems like a whole month of work for $1000?

[@zzbodybuilding8867]

Target in Minnesota paid $7.50ph but would keep hours under an average to avoid paying us any benefits. Literally only a handful where full time. One week would be 23hours and next may be 30 hours. With a new born baby and bills, it was awful. Thankfully near ten years ago now and took joining the military to get out of it.

[@erinm.3440]

ZZ Tinger I also had a newborn. I am now a pharmacy technician, but I still struggle a bit

[@_Wai_Wai_]

You're better off doing Uber and Instacart. I have a video in my Channel about both. I've been doing both.

[@sunidaze]

Looking good! :) Also good tips! I looked at my sending last month and I was shocked to see how much I spent food. I know several nights that my kids wanted takeout and I caved (I didn't want to make dinner anyway, lol). Anyway, long story short. I'm prepping meals next month!

[@BeatTheBush]

It's really good to evaluate what you spent after the fact. As long as you prep meals in advance and keep it delicious, there will be no cravings for take out. They will not want take out if it's good or better. For example, I really enjoy steamed fish and you cannot get it at most places.

[@LilCraftyNook]

CocoaFabulous It's the waste of food that gets me!! We're all culpable too.😕

[@yellowbird5411]

With kids, if they want pizza, make it yourself, or at least cut out coupons during the month so you have them in your wallet when you do cave. Burgers? Keep frozen burger patties in the freezer with buns so you can just whip them out in a minute, throw a good brand of frozen fries (or make your own) into the oven and party down with all the fixins. Tacos are fast and easy, if you keep hamburger or ground chicken in the freezer, and use frozen tortilla shells, not pre-made. Any way you do it, it is cheaper than takeout. Cooking ahead also helps, so you don't have to cook when you get home, just heat it up.

[@margaretbedwell58]

You are a very wise man not racing toward every new thing that will be obsolete in a short time. You will never have to worry about how to come up with the money for rent or food or taxes. etc. Young people should should follow your example before they get deep in debt. Thank you for sharing this video. Have a Blessed day.

[@ratlover2243]

You are so cool. I keep a cooler in my trunk with water bottles in it that i freeze. Then take them out when I need a bottle through the week and keep the bottles. I also keep snacks in the trunk and never leave my apartment without a bag packed with food no matter what. Keeps me from driving thru a fast food place.

[@BeatTheBush]

I worry about plastic bottle to water contamination with extreme temperatures. I.e. too hot OR too cold in freezing. Not sure how well founded that is though.

[@LovingAtlanta]

💡I found out that anything that is plugged in still uses / pulls watts 💸 so I unplug every appliance or electrical item I can until I need to use it. I was amazed with how much money I saved. 😃

[@BeatTheBush]

Yes, vampire power can eat into things a lot. However, if the thing has a real switch, like a dumb toaster or a kitchenaid blender, they will not consume power at all when not in use.

[@mindibear]

I love the peas stacked on top of each other! That's my favorite arrangement so far. Especially the top one. 😁

[@BeatTheBush]

I think that's the first time they ever did that! =D

[@MiddleEastMilli]

Your glasses look especially nice with that shirt. I appreciate all your videos very much. Thank you for all your hard work!

[@BeatTheBush]

Thanks!

[@sophieacapella]

Hi Francis! Just to say I really enjoy your videos and they help me to stay on tracks with my expenses. Keep them coming! 😊

[@BeatTheBush]

Thank you for watching! I'm glad I can help. =D

[@yellowbird5411]

During my worst financial times, the word "budget" didn't even make it into my vocabulary. And I think that for many, the word is a turn-off, for many reasons. What I did was "cut to the bone." I stopped everything almost that was not essential to my existence or the maintenance of my rentals. They got a new refrigerator, and when mine died, I got a dorm size refrigerator, which I still have. No new clothes, very little eating out, and then just a burger, and other inconveniences. But if people are serious about cutting costs, it means cutting costs, and that means seriously, if they want to get into a better place. You are great showing so many aspects of how to save money, and you are invaluable for others.

[@BeatTheBush]

Thanks! This is the main purpose of this video. However, some see it as a competition. This is more like how I get my costs really low and you can try some of them if you haven't already. That's it.

[@2legit2Kwit]

Lol! Love the explanation on the farty couch! Haha! Great tips BTB. Costco has great gas prices. 20-30 cents less per gallon. I've been eating organic sprouted extra firm tofu at Trader Joe's. Cut it in flat 1/4 inch pieces and fry it in a little sesame oil and add teriyaki sauce. Flip it a couple times (like French toast) and it's done when it's crispy. Eat it over brown rice and a bit more teriyaki sauce and lots of grilled veggies. It's so good and you don't miss meat!

[@BeatTheBush]

Teriyaki sauce... you buy it ready made? Is it not just soy sauce and sugar mostly?

[@welshhibby]

I find as a man if you stay away from women and relationships you can live quite cheaply. Most men don’t need a lot to live.

[@BeatTheBush]

What about the man toys. Computers, camera, cars, tvs? Lol.

[@annapaulikonis2433]

welshhibby not true Im a woman and Im the biggest cheapskate in the world trust me on that one

[@TimeIdle]

B.S. You just date like minded women. There are minimalist females. Granted they are rarer than men, but overspending, keeping up with the Joneses are not exclusive toward women.

[@irishredjackson9122]

You just haven't found the right woman. Real women are not interested in spending massive amounts of money. I literally get a little bit of a rush from saving money. Lol

[@VerYCrear]

Not really. I'm cheap. I rather eat at home, buy in low retail stores like Ross. Matter a fact I tell my husband he has to stop spending so much on stupid stuff and eating out with his "brothers" since he's Korean.

[@thisistotallyfine]

Can you make a video on what stocks you're currently buying? Would love to see more investment/stock videos!

[@BeatTheBush]

I've covers one thing I do hold here: kzbin.info/www/bejne/fKmnaItpdsxssKc And in the past I covered investment ideas that I've since sold out long time ago.

[@curiousgeorge555]

You sold your Bitcoin???!

[@lovinglife3954]

FYI I like this format sitting back from the camera better than the new one so close to the camera. Keep up the good work.

[@sweetpeamim4352]

I think you are a very smart young man. I've watched some of your videos & building your money & being smart about your lifestyle is so awesome. I'm 54 & it's so worth being financially independent . You will surely succeed & you seem very happy. Wow I'm very impressed! Good luck! I know you willl go far in life & enjoy the process. Thank you for sharing your great information. You're so sweet!

[@BeatTheBush]

You're welcome and thanks for watching! =D

[@carl-ok9gn]

I'm a vet going to school on the GI bill. my yearly "income" is $13000. i pay my rent, utilities, internet, insurance, gas, food, etc... and i have a surplus of nearly $100 a month. i just dont understand how people making $30k+ can't make ends meet. it's just irresponsible. Yes, my life is simple right now. however, it is debt free and the poverty hopefully wont last forever. make the choice, live outside your means and never make enough, or sacrifice that thing you "need" and never need.

[@BeatTheBush]

Lifestyle inflation. Some things, people consider mandatory even when it isn't and will profusely require it even if it doubles in price.

[@tngardener231]

My issue is cc debt from my 20s (I’m paying that off slowly but surely, that’s where all extra money goes too) and 3 kids, 1 in college , pets, school functions. It used to be groceries for 4 that hurt me. $800/mo but I cut that budget to $600 and the $200 I save is going towards paying debt. This is on a $40,000 budget for 4. I agree though it’s ridiculous and I’m trying to make all of our wrongs right.

[@cybellejohnson6978]

If you are going to school on the GI bill, you have little or no student debt. If you are single with no children to worry about, that $100 surplus seems like a lot. However if you become ill or have an emergency, you will see how fast your 'debt' can balloon.

[@SteveSmekar-ll6ln]

I have always adhered to the axiom of "It is better to understand than to be understood". That being said, I challenge you to move to LA with that 30K income and tell me how easy it is to live. You would be singing a different tune.

[@sbranham314]

So your budget is really 1150 a month + whatever you spend on rent? saying your budget is 550 is really misleading

[@BeatTheBush]

I didn't really spend $500 on travel. This is actually the base amount I can sustain myself on if needed to. Housing is separate and I decided to leave that out since it varies so much from person to person. So for the purpose of this video, you compare everything EXCEPT housing.

[@sbranham314]

Right so in that case, you don't really NEED restaurants, internet or movies either. Those are just nice to have if you can afford it. If you lost your job or something and just needed to squeeze by for some time you could do without.

[@BeatTheBush]

Are you kidding? You NEED internet. Things essential for life: Food, Shelter, and Internet

[@sbranham314]

BeatTheBush you don't NEED it, it's just convenient. You can go to any library and use the internet for free

[@jlina]

Samuel Branham no you can't if you want secure banking, online shopping, etc. Even job applications....it actually is an essential in the way a landline used to be.

[@kristania411]

Nice shirt, it matches with your glasses.

[@BeatTheBush]

Thanks! =D

[@samuelon2733]

One huge thing to save money as well is to use your public library! I live in toronto and our libraries have a wide selection of movies that are less than 1 month old, wifi, free programs, and a lot of perks that are free of charge!!!

[@itsjustrenee1320]

I got my glasses from Firmoo and I LOVE THEM! thry arrived a lot faster than I expected. Thankfully I had saved my prescription from my last pair so I was able to fill in the data on the electronic form on their website. I also knew to be sure to order the frame width that is right for me. I will be buying more from them later this year and will use them as long as they are available. I can't express to you how much this means to me. Thank you so much.

[@christelsoetekouw3407]

These glasses look great on you!

[@BeatTheBush]

Thanks! =D

[@winstonwu8428]

Love your vids! pls make a grocery haul

[@BeatTheBush]

Really? It'll be sorta boring in what I buy.... veggies upon veggies...

[@mundt8]

BeatTheBush i would watch that lol

[@westman10204]

Me too!

[@2legit2Kwit]

Yes!!! Do it. Like what stores and what days are best to purchase on. Clearance produce section?

[@erikaramirez6558]

I agree. I'd watch it to see where you shop & how to make the veggies stretch, esp bc it's perishable & how to cook for one person so you don't waste.

[@simpletongeek]

That's cool. I keep housing expenses mortgage, utilities, HOA bills at $1000. Living expenses, about $200 per week. 10 years ago, it was easy. Nowadays, not easy. Everything else goes to Savings and Debt payments. With some effort, I think I can save an extra $200 per month, so not too bad. Not as extreme, but expenses while traveling is rather expensive these days. A little trick I learned is to pay for your monthly expenses for the whole year. I can usually get either a 10% off or a free month. plus, I save all the time and postage dealing with that. Bonus points if they accept credit card payment.

[@BeatTheBush]

Oh yes. If they will offer 10% off then I would take it as well. =D

[@June0696]

What about home insurance?

[@DebtFreeMillennials]

OMG, the couch disclaimer. I literally LOL'd to that 😂😂 I love these budgeting hacks to save even more! I have been really considering how I can obtain FIRE status and it seems like extreme budgeting might be of benefit.

[@BeatTheBush]

I helps. Save on one side and earn more on the other. Two fronts.

[@LadyTheFae]

Was so glad to hear you tell people it's ok to use coupons! By couponing, I get almost all of my toiletries and dry goods for very very cheap! Some of it is even free! When companies decide on prices, they take into consideration the coupons that they issue..so they raise their prices expecting people to use the coupon. Just using those alone saves me a lot each month! Thanks!

[@BeatTheBush]

Well... I actually very sparingly use coupons. The 0.25 to 0.75 off stuff I skip. But when it's $20 off $50, or Free, I take notice. Much of the stuff you get with coupons are really bad for you so much of the stuff I buy never offers coupons.

[@LadyTheFae]

Mostly the things I buy with coupons are toilet paper, paper towels..my makeup (smiles, I am a woman)..shampoos, conditioners...body washes...diapers for my grand babies and laundry supplies...so not a lot of edible products...but I only coupon at CVS so you would not find a lot of edibles there. But I am proud to see anyone that takes advantage of coupons whether it is for clothing or household items!

[@EazyPurple]

Wow, that's over my country's basic wage.

[@BeatTheBush]

Is it still too much spending? The cost of living in the US is pretty high and I did not include housing and 'extras'

[@EazyPurple]

BeatTheBush Yes it is still too much. I spend roughly around $300. I can only imagine how expensive it is to live in the USA.

[@BeatTheBush]

Yup... one drink is $4-5 but I don't buy those. One meal is $10 for average restaurant price.

[@EazyPurple]

BeatTheBush Well... Same goes for Greece.. Low wages and high cost of living. I spend around $300 but I'm being very smart with my money.

[@TheTessabw]

Even higher in Australia, food is expensive

[@kouchsengngy]

Can you please make a video about Car insurance? For example: which coverage to pick from, how much should be the limit, deductible, and such. Currently, I pay quite a really high price each month. I would love to save a bit to increase my net worth. :D

[@BeatTheBush]

Oooh that will be tricky and very liability ridden. I cannot tell people what insurance they should get as when something happens, I could be liable for not having enough. You see? I do have an insurance video that shows what you can do to reduce the rates here: kzbin.info/www/bejne/qJ6cdJ9olt9niMk

[@kouchsengngy]

OK, I got it! Thank you so much for being our mentor!

[@earthandwind820]

Sengngy Kouch I used to work at an independent insurance brokerage here in Chicago. My advice would be to go with a well-known insurance company that everyone knows (Allstate, Travelers, Safeco,etc). A lot of people on a budget are tempted to go with companies that aren’t so well-known, which I understand, but then it turns out that if they have an accident, the lesser known company doesn’t offer them the coverage they need. In other words, they are paying less per month, but in the long-run, if there’s an accident, they end up paying more than if they would have gone with a more known company like Travelers, Allstate, Safeco, etc. Make sure to also pay attention for any additional fees that can add up or any discounts. For example, if you have kids on your policy, many companies offer “good student discount” if those kids have good grades. Many companies also offer a lower, discounted premium if you pay the new policy in full. Some companies charge you a fee if you choose a particular pay plan, so make sure you ask if there are any fees attached to them. Also, pay attention to the rates of different companies. Here in Chicago, and maybe elsewhere, the rates of Statefarm are ridiculously high because they’re restructuring. Finally, as I said, I would go with an independent insurance brokerage. As I said, i worked at an independent brokerage, and when I would see the rates getting too high with one company, I had access to a bunch of other different companies and could thus easily transfer them over so they wouldn’t find another broker and so they could have a good rate (win-win). Hope this helps.

[@kouchsengngy]

Thank you very much, Ka Gala! Your comment is really helpful!

[@TimelordUK]

I always love your clothes. They fit you well and you look very attractive in them

[@BeatTheBush]

This shirt? It's because I happened to get this one from Korea. =D

[@Northstar2000]

its cos he is model thin and looks after his health. Clothes always look better on fit people

[@daniellamoreno3616]

TimelordUk Whoa love.connection!

[@daniellamoreno3616]

TimelordUk Hes good looking guy though.

[@electron7659]

Gemeplay I wish I could be as thin as him. I've struggled with my weight my entire life. No clothes look good on me. No matter how nice or expensive. It's sucks having these horrible fat genes from the family where I came from.

[@joshuak9033]

Great ideas here. I like that you think about all the expenses in your life. Being mindful about our monthly expenses is a good step. Once you become aware and start tracking, you automatically get better

[@BeatTheBush]

Like polishing your finances to a shine.

[@202020morehourstogo]

I like that you leave a restaurant budget and mention that you do go with the flow regarding going out with friends. A lot of the budget videos have zero entertainment budget but I agree with you-- if you're always saying no to going out, you're going to grow distant from friends. I always feel so guilty spending that money but I always do. Maybe I'll just stop feeling guilty about it. lol

[@BeatTheBush]

Stop feeling guilty means you live happier. It's important not to over do the going out budget though.

[@202020morehourstogo]

BeatTheBush true! Thanks! I budget $100-$120 per month so it made me glad to see that about what you budget!

[@vhernandez5582]

Very good, I'm in the process of fine tuning and examining all of my monthly expenses. I'll be interested to see what service you are going to use for internet service. I currently pay $64 per month and I think that's too high.

[@BeatTheBush]

You'll be one of the few that actually does that. Do it all the time and question some expenses and try something cheaper for size. I'm moving to something a bit faster but not super fast. The backbone is fiber so they can support it.

[@janeemillar5818]

I have to live on a $700 budget monthly. It's hard because I Can't afford a car, so I take the bus! God Bless! Jane

[@parid1983]

Do you have a budget tracking spreadsheet you can share

[@BeatTheBush]

Budget tracking? I don't track budget. This is what I do. I normally spend at a minimum level. And if I want anything, I save so much that I don't have to worry about buying special items that are costly. I do need to look at my standing if the thing I want costs more than $1000.

[@JJ-fm1sh]

I appreciate your humility my friend!

[@jaygeeinMN]

Thanks Dang sang for all of your ideas. I can never get enough information on saving money and paying off debt. It is a lifestyle.

[@BeatTheBush]

You're welcome!

[@shygirlnow2011]

Eating out w friends is a huge expense for me. I have a lot of zeros in my budget. Restaurants I waste alot of money on. I like your channel so I subbed.

[@BeatTheBush]

Lol... yeah, that will be very expensive after a while. If your friends are frugal minded, you can do things to enjoy each other's company without breaking the bank. Sometimes, it can be fun to make it a point to hang out when there is a great deal somewhere. Thanks for your sub!

[@shygirlnow2011]

Its worse I live in the restaurant district!!! My friends are wealthy but I am always trying to look for a good deal. You do have a point I should look for something for us to do.Any ideas? You would be amazed at my life what deals I have but for some reason friends want to go out and talk and eat. Ty so much for contacting me!!!

[@dwaynejones1555]

@@shygirlnow2011 shygirl you may need to move.

[@henryettoit897]

change your friends.

[@kabutoyakushi6618]

"Just so you know, I'm not farting throughout the video" hahahahaha

[@BeatTheBush]

The couch!

[@EvelynDHaene]

Just stopped by to say hello.

[@BeatTheBush]

hi!

[@Moose-uk4nb]

Hello Whuttup Sista ! ;-)

[@Starfish6]

He's a cutie,isnt he?

[@Moose-uk4nb]

Hello Evelyn How Are You My Boo ?

[@Ram-rm2gz]

Evelyn D'Haene hey momma

[@absentmindedpeople]

Man I feel it with the travel, I love it and I want to do it all the time but holy cow it is so stressful just to plan it all out!

[@BeatTheBush]

Depends on the person. Some people get great excitement planning their travels. I think it's half half. Lots of money is spent reserving everything.

[@yiravarga]

I want that exact pair of glasses you are wearing in this video! They look so amazing!

[@BeatTheBush]

Do they? They are two toned and they still carry it.

[@BeatTheBush]

Oh btw, if you wait a while, I will have a BOGO offer in a few days.

[@yiravarga]

BeatTheBush wow. Thank you. I'll wait for the offer because I am really needing glasses.

[@BeatTheBush]

The offer is through this link: bit.ly/2yisfSM

[@bombpop2461]

Extreme budgeting = no wife

[@BeatTheBush]

That sort of helps I guess. But then finding the right wife could lead to great happiness.

[@VerYCrear]

Hahahahaha

[@domingofernandez2803]

Joe Malone, thank u Sir.

[@maryjomiller1703]

My husband's a spender so it goes both ways

[@whosahotmail]

I'm female and an extreme budgeter... I don't think extreme budgeting is necessarily a male or female thing, I think it's just a quirky human thing.

[@koinma]

BTB, just analyzing your work here. Would you add to this by including like insurance cost, dental, and health etc. How do you feel about this aspect things? This is an expense that I would love to dodge but it's almost impossible. Where would this fall in a budget? Just curious.

[@BeatTheBush]

I guess that is separate and depends on your medical insurance needs. It's different for everybody so I didn't include it. That and housing adds to this of course.

[@MrGoogle87]

Cool video. How about an electric car? Saves you on gas quite a bit plus less maintenance

[@BeatTheBush]

I'm on the fence about electric cars. When you factor in the cost of a battery replacement, it still does not beat out an efficient gas car.

[@MrGoogle87]

Most cars never seem to need new batteries, except for the first model nissan leaf =) (new battery isn't as expensive though, or buy one with a dead battery and get the improved chemistry battery for a replacement)

[@ChickenHues]

Thanks for the great tips! Many time we think we need more money and don't realize it's hiding in these areas that we are overspending.

[@granitemoss1451]

Hearing, 'How's it going, everybody?' just makes me happy. I've watched enough of your videos that I'm like one of Pavlov's dogs now, conditioned to know something great is on the way whenever I hear that phrase.

[@PurexOvvnage8888]

LMAO most these things are common sense in asian household

[@BeatTheBush]

How how many people you know have that?

[@PurexOvvnage8888]

Most my friends do, but I also know plenty of people that don't think twice about budgeting. I thought it was really funny, because growing up this was the norm for me.

[@mrjav1000]

The Art of Dota The Pokémon all over the place?

[@Lyvetacus]

$120 a month on groceries is really cheap. How do you get it so low? Can you explain this?

[@BeatTheBush]

Low meat high veggies. I only buy a few items of expensive proceed foods. 2 for $1 bell peppers. Buy lots of them. Rice. Chicken. Here is an example of $1 lunch: kzbin.info/www/bejne/foXHkHh6iadgp7s

[@walief]

What kind of veggies? Veggies are really expensive where I live, especially for the calories you get from them.

[@jtika1978]

Black Caesar beans, rice, pasta, potatoes, chicken thighs instead of breasts, skirt steak, sales,coupons. I can do about $120/wk for family of 4 if I try. & I get high quality meat & natural food brands (more expensive but worth it).

[@emmatessier600]

Wally Alief, the thing with veggies is that they give you fibre, very good for your guts, and calories can come so cheap when you combine with oil or potatoes which are calorie bombs, the right veggies and also potatos even have protein as well.

[@blackworldtraveler3711]

Emma Tessier Indeed. People complain how expensive they are but I will take protein and fiber from fresh fruits and vegetables any day. I personally think fast food and processed foods are more expensive.

[@stephanierodriguez7387]

Can you make a video on how you get affordable clothes from banana republic by using their credit card? I've found that banana republic is kind of expensive but their quality is great

[@BeatTheBush]

I made this a while ago. Here: kzbin.info/www/bejne/iabQXmhte71qd5I

[@stephanierodriguez7387]

BeatTheBush thank you !

[@kenkenvlogs]

Thrift stores have tons of Banana Republic

[@ronicalovely3407]

Stephanie Rodriguez I love BR, for ladies wear it is best to shop during the events and off season if you don't have the credit card. Clothing that is trendy no matter the decade if you value style. I also used to enjoy Club Monaco (we had an outlet somewhat here in NYC, but it closed. Such great quality office wear).

[@earthandwind820]

Stephanie Rodriguez Even stores like “Marshalls” or “Burlington Coat Factory” or are those Chicago area stores only? Idk, lol but stores that have brand name clothes at discount prices!

[@SaveMoneyTricks]

This is so informative! I believe that extreme budgeting can be practiced as long as you are willing to sacrifice your usual habits before. Don't spend on something that is not needed. Lessen the time you eat out. It will help a lot.

[@BeatTheBush]

Good to try out new ways to save and just do them one at a time. Try out new methods.

[@itsjustrenee1320]

Okay I just ordered some really cute glasses following your link. Thank you.

[@BeatTheBush]

Nice! Glad you like them. It's crazy how cheap it is compared to a store.

[@youngspunky2835]

damnnnn you look like a boss ! keep the good work up man im planing to move out my parants house im 17 and i will hustle and try to make it out the mud ;P your videos help so much :O!

[@BeatTheBush]

You're welcome! Thanks! =D

[@Nuganics]

No pets, no medical/medication, haircuts, car service/tyres, gf expenses, presents/gifts, are some that I don't see on the list. They are low for me so guessing the same for you.

[@BeatTheBush]

I cut my own hair. And I suppose the $500 allocated for travel will fill in the rest.

[@Nuganics]

You seem to do a decent job with the haircut so might be a video that would offer value to others. All I can do is a buzz cut so I look like a prisoner most of the time :)

[@MedievalFantasyTV]

BeatTheBush I would like a video where you show us how to (properly) cut our own hair. I am serious about it. I spend a lot on haircuts.

[@jtika1978]

LDM STUDIOS there are tons of good KZbin videos for that

[@jtika1978]

Pets are so expensive. One of my dogs has severe allergies & needs a weekly shot. They're worth it tho 😉

[@thisistotallyfine]

If you're extreme budgeting, i suggest piratebay > netflix.

[@BeatTheBush]

I don't have netflix. Plus piratebay has it's obvious downsides.

[@markm0000]

Same. I haven't purchased a movie or Netflix subscription in a very long time. College life taught me at a young age those few doll hairs a month could go to better food that isn't ramen noodles. Now I just accept pirating as a normal thing.

[@sewawearofdajew5897]

greentealatte Netflix is going up again too.

[@isaiah92]

Firestick

[@Gary65437]

Good for you Mark. Corporations just want "recurring income" by hooking the masses on their programming like HBO's "Game of Thrones". HULU is spending 2.5 billion this yr for their programming NETFLIX is spending 7 billion on theirs. And soon raise their prices for the masses to pay for.

[@aickoyvesschumann3400]

It would be interesting to see your diet for $120/month in more detail. How do you manage to achieve such a low electricity bill in the South? Do you live in a condo where your neighbors' AC cools your space as well? What about rent/mortgage at a reasonable commute distance in the bay area. That should be considered recurring as well.

[@BeatTheBush]

Groceries for a week here: kzbin.info/www/bejne/omfJqXeIj7xro7M Save on electricity here: kzbin.info/www/bejne/iYSQZoyhesuDmJo No AC needed where I live as it is mild in the bay area of California. The cost is outside of rent/mortgage but for me, I do not have either.

[@ptahisis]

Saying hello. Thanks for the tips! I’ve noticed that the more I cook at home and learning to make my favorite recipes, I eat out less. I do however eat out with certain food if the recipe is too intricate and time consuming! Example, boiling crab (Cajun style seafood), takes too long and my house will smell like garlic and shrimp for several days!

[@BeatTheBush]

I do that with Dim Sum. Heck no will I ever make that myself. Boiling crab. I don't get that place. I went with a few friends and we all didn't feel well after. The shrimps are not divined and I bet they do not wash the craw fish enough. So all that sauce is a huge mixture of seafood poo.

[@ptahisis]

BeatTheBush Haha. Omg...yes on dimsum. I made siumai before. Not bad but I ate it faster than I made it and wasn't even full! And O couldn't replicate the flavor as well as I would like.

[@chrisogrady28]

Go whole food plant based vegan, save even more money on food, and medical bills/illness downtime!

[@Doriesep6622]

Yes!!!!! Illness is luxury.

[@ledomc2007]

illness downtime? Yea because meat causes sickness? Vegans are always frail and sick with no energy.

[@soulpancakes]

@Andrea Serrano-Seaman one size does not fit all. XD meat cures me of my illnesses

[@BahselAridi]

@@soulpancakes there are also 100 year olds who still smoke, does that mean smokers should keep smoking? The evidence is there.. plant based is the way to go :)

[@Moskvich007]

Amazing that your car eats as much as you do. Also where did u put toothpaste and soap in your budget?

[@BeatTheBush]

I'm gonna try to make my own toothpaste going forward. Bar soap is so cheap. I haven't bought any for at least a year from the stock of free ones I got.

[@TWDxKILL3R]

I’ve wore the same pair of sandals for like 3 years to save money.... same with cars and i only have a few outfits..... the girl at the Valero gas station won’t give me a date, but she doesn’t know I could put her through college. Hahahahahaha

[@BeatTheBush]

If you really want a date, you have to put the whole package together. Clothes and all. =D

[@TWDxKILL3R]

BeatTheBush ... I know but I never do just to go to Valero.... although I should.....

[@samara1271]

Then she isn't worth it, people need to see you inside screw what you have money for people forget that it's not what makes you.

[@salemsaberhagen8390]

yeah I am wearing same shoes for at least 10 years lol have had some new ones but they just arnt nearly as comfortable, also yeah by wearing such clothes you can filter out many of the unworthy women that you would otherwise have to search through

[@kevandrew86]

But u wouldn't so stop flapping ur fingers about it..

[@sturkfeld]

The glasses and shirt look good on you! Very good budgeting. Some people spend $100 and up a month at Starbucks alone. Financial security is everything!

[@BeatTheBush]

I actually get Starbucks maybe once or twice a year? Maybe more if I happen to hang out with someone there. It does taste good but not $5 good.

[@redlights57]

Good point on the Internet. I haven’t thought of that

[@levertis1987]

Get a fire stick it’s a great investment movies tv shows live tv it’s sweet you can easily do it yourself, save that 1 dollar lol love these tips tho. Did you buy your house?

[@BeatTheBush]

Ha ha... instead of movies? It's sort of something I enjoy once or twice a year. But I'm leaning on not even want to go to the movies since there is a chance of some kid kicking your seat the whole time.

[@appletinImom0f5]

I don't know if only here but dollar tree sales led light bulbs I haven't had 2 replace my 1st ones on now almost 2 years and my bill went down a bit.. I wish!!! cable here is only 1 company unless u want dish and I don't like there internet service..

[@BeatTheBush]

Dollar store LED bulbs. You might want to look at estimated lifetime and also power usage. The lifetime could be less and power usage more for cheaper ones.

[@vexpressivo]

唔戴眼鏡靚仔D. I thought I was frugal then I got TRUMPed by btb. Oh how much is the mortgage and property tax and maintenance? Your parents must be proud but this not at all sustainable for raising a family. Are you going to be a lonely honey badger? Today I told my coworker to cut down vampire electricity from your other video and she looked at me like I was crazy and replied her family will not be on board then I told her to shop around for cheaper data plan than company plan. You'd be one of those friends where I feel so bad at such extreme frugality that I'll just end up paying for u on most times we go out and spend but I also admire u at the same time for your discipline and ability to make me pay for u

[@BeatTheBush]

lol... I have omitted those on purpose. I mean as it stands.. no lady over here but that might not be forever though. LOL! Why are you being so nice to ask others to cut down their power? It always seems people never really want advice unless they ask for it. Do know that I will not take such things if you keep on offering to pay. For one time or special occasions, I'm okay but I always pay for myself.

[@vexpressivo]

BeatTheBush well if u said $40k total annual expenses then lucky u for getting into the realty market early in s bay

[@klamb12]

Just found your channel today and now have subscribed! I want to take my frugality to the next level. Bring it on!

[@BeatTheBush]

Glad to hear it. =D

[@katiethomas5889]

We do enjoy eating out BUT try to only do it once a week if possible. Also we are now shopping in bulk when possible and rarely buying new clothing. It really helps!

[@BeatTheBush]

=D If you meal plan right, sometimes there is very little need to go out. If you dig deep enough, the health concerns will make you not want to eat out at all.

[@emmaphilo4049]

[@BeatTheBush]

=D I'm glad! =D

[@ArthurMoore-ii8nn]

Live and eat like a toddler and save millions. Just look at his interior décor! Just joking, I'm going to use some of these tips myself.

[@BeatTheBush]

Ha hah a... toddler? I eat plenty well with live seafood whenever I want. Oh, I like to keep things clean and minimal.

[@ArthurMoore-ii8nn]

Just joking dude. BTW I subscribed.

[@BeatTheBush]

=D

[@biggerbitcoin5126]

I can't budget. My girlfriend spends my money.

[@BeatTheBush]

Oooh... ha ha. Ummm ok. =D

[@ashizmandal7819]

Thats going to be your biggest expenditure and liability. Good luck buddy xD

[@x18xfearless]

Same here, your money isn't your money

[@sewawearofdajew5897]

Aston Bright Hahaha. Maybe you should downsize and find yourself a cheaper girl. 😎

[@sogerc1]

She's not the quuen of the universe just because she opens up her legs to you. If you can't teach her boundaries you're better off ditching her.

[@susansemrow5370]

Is your home insured? Do you have to pay to licence your vehicles every year? Medical expenses? Home repairs? Where do you account for these?

[@postprecariat2560]

I live in a cold climate and find that incandescent light bulbs provide the best space heat for my budget. Warms only where the people are! Not wasted energy! Change to LED for summer.

[@BeatTheBush]

It does indeed do double duty in terms of heating. =D But then does it warm fast enough?

[@richardatkinson6031]

good video. Most people I know that have good incomes are always broke cause the live it up like there is no tomorrow on things they think they need to make them happy. These people are miserable . I could go on.

[@BeatTheBush]

Hmmm, are they really miserable? I really don't know if they are or not. But I know I would not feel great if I push my spending so hard and spend every paycheck in full.

[@gladJonas]

WTF who wants this life

[@kimlystevenson3]

gladJonas 😂😂😂

[@LAWSON08]

ME! It's the future.

[@dwaynejones1555]

@@LAWSON08 Harold & me :)

[@leilanidru7506]

gladJonas single moms, college students, people in massive debt, people trying to save for retirement, living under the poverty line or paycheck to paycheck, or literally anybody who wants to maximize their earning potential and savings by budgeting. It’s a different comfort level for everybody but literally tens of millions of people live this life and most of the time it’s involuntary. So if we can all be a little more frugal to put the rest of the money for our future or more important enjoyment. Or so we don’t have to be one paycheck or medical condition away from living in the streets because we have good savings. Whichever boat u fall into, it’s a good way to live if u have the right mentality about it and do it right.

[@Elena-er7zp]

When you realize you have brought home $1 million dollars in paychecks and somehow only have $250,000 in net worth. You wonder where all that money went. You wonder why you living paycheck to paycheck. Well, it went to restaurants and booze at bars and multiple vacations.

[@yamamitsu995]

0:56 I get that a lot

[@BeatTheBush]

Lol

[@Redditbedstories69]

BeatTheBush why did you fart?

[@itsjustrenee1320]

I have the prescription for my bifocals I wrote and kept after my last eye exam. . Thank you! I will follow your link when I'm ready to order. I'm learning frugality, which I naturally resist,but I have to do it. I've never had an over abundance but I'm getting old now and am partially disabled. I know I can do this. Thank you for everything.

[@BeatTheBush]

Now I wonder if it is better to have the skill to save before you have to?

[@itsjustrenee1320]

@@BeatTheBush Absolutely.

[@JK-Visions]

We have a healt insurance which is mandatory. Which already costs at least about 100,- a month.

[@BeatTheBush]

Oh yes... you have to buy health insurance now or there is a stiff penalty by law.