50 Frugal Living Tips That Actually Work

[@GabeBult]

What’s your favorite frugal hack?

[@abc123abc99]

I love anything that improves energy efficiency since those improvements have a lasting effect on our monthly bills while also helping reduce my environmental impact. A few improvements that have saved me money this year are going all electric with our vehicles and charging them daily using our solar panels. Our gas bill went from $400 a month to $0. We've tried to seal air leaks in our home, jumped on a variable rate electricity plan, and will pre-cool our home ahead of a short window when electricity gets more expensive, and that's saved us about $50 per month in electricity. And whenever a major appliance dies, we'll replace it with an EnergyStar efficient upgrade. Our home is slowly becoming cheaper to operate and more comfortable.

[@taracasper]

My husband used to go to my hair dresser once a month and spend $45 on a basic hair cut. Now he uses the Flowbee. It's amazing!!! Easy! Gives a great hair cut!!

[@LivingProcess]

I do the 4 R Rules. Reduce, Repair, Reuse Refuse ♻️

[@PrincessZelda609]

Packing lunch for work. Utilizing my coffee machine at home instead of ordering Starbucks sometimes TWICE a day (there's a Starbucks at my job).

[@taracasper]

@@PrincessZelda609 oh my! I also had a Starbucks at my job and would get Starbucks twice a day! The pull was so strong!!!

[@MohamedCShahenkari]

I wouldn’t recommend skipping yearly physicals. As a cancer survivor, early detection saves lives. Please keep healthy but get a physical yearly.

[@Paulokun7]

I agree with this. even if you dont' have insurance. THis is a no brainer

[@Naoompje-lw2xf]

Other countries dont even have yearly physicals and we're still alive 😂

[@MohamedCShahenkari]

@@Naoompje-lw2xf True, but if you have the ability to get a yearly physical you should. It can prevent a lot of issues.

[@amberp5207]

Especially, yearly mammograms when his wife turns 40 & yearly gynecological exams now. Also, dental cleanings every 6 months.

[@amberp5207]

@@Naoompje-lw2xf I know other countries have their own guidelines. Gabe & I both live in America. I commented on the medical recommendations we have here in the U.S. I pray that we all stay healthy & I wish you the very best.

[@nosmoking5860]

The barter system is great. My husband is a carpenter, my babysitter had the supplies for a new roof but couldn’t afford the labour to get it done. So she watched our son for free after school for years and he did the roof. It saved us both a ton of money.

[@c.8292]

I wont skip doctor visits. My dad finally went to the doctor after 20 years of not going and within months they found out he had stage 4 terminal cancer. He just made it to retirement age and he is in hospice because he is at the end of his life. Dont skip checkups even if you think you're healthy. Women should be getting cervical cancer screenings and mammograms from their 20s. Men need to be getting colonoscopies. Dont take the chance of cutting your life short by not getting preventative screenings. If they had caught my dads cancer early he might have lived to 90. Now he's happy he got 6 years and made it to 64. Without that blood test where they found he had anemia and detection he would have passed away already. We got 4-5 more years with him because he went to the doctor (finally) but we could have had way more.

[@alarud]

this is so sad 😔 thank you for sharing 🙏🏻 I wish the universe will give extra 30 years of beautiful life to your dad despite any predictions 🙏🏻🙏🏻🙏🏻

[@BeingSirrun]

I couldn't agree more! My dad died last Tuesday, just 1 year into his retirement and it was due to not going to the dentist for years. He ended up with myocarditis, 2 ruined heart valves and kidney failure.

[@jeremycole1341]

Exactly. Health is wealth. Also I’m very sorry about your father 😢

[@rainhinkle831]

Don't skip the doctor. Go to the dermatologist, get your skin checked, it can save your life. Teeth cleanings and check-ins are important since you have them the rest of your life. Get your eyes checked, reduce strain by seeing if you need glasses. If you're only looking at it from a financial standpoint, it is much cheaper to catch something earlier than deal with a bigger problem later.

[@HanselPetriv]

Yep. Wise honest advice from my dentist: Your teeth are one of the greatest investments of your life. 1) Not going annually will just make it more expensive when you do go. 2) Your teeth are directly connected to your brain health, which is obviously extremely important.

[@shea5542]

Teeth health is related to heart health. Wild when I learned this. Also, workout and try to eat well per your budget. Google healthy foods on a budget. There’s lower cost ways to eat healthy. Do the things that preserve your health that are free

[@nagarcia76]

Wise words from my father: If you live smart, you don't have to work as hard. ❤

[@GabeBult]

Love that!

[@ms.fields4452]

I have to disagree with you about yearly doctor and dentist visits. Early detection is key for almost everything. It's your life, but I don't think that's good advice to share.

[@rossedwardmiller]

Esp since American healthcare doesn’t function and bankrupts ppl with serious illness/injury

[@maxcohn3228]

Been "scared" into going to the doctor and the dentist by small things myself and I'm very glad I did. Nothing bad was going on (thankfully), but having the routine and the confidence that things are at least looking good from a medical perspective is great. Also, having an oral hygienist complement your flossing is a small euphoria I always enjoy haha.

[@Hollysuzette33]

I regret not going to the dentist. The cleanings help you keep on top of things. Decay can go a long way before you feel any pain.

[@ReneeDennis-x8h]

I am a cancer survivor & it was caught at a yearly physical. Saving $$$ could cost you your life! 😮

[@SteezyVon]

Nice! Was caught from a blood sample or do they have to check other regions of your body?

[@mysticaltyger2009]

He is so right about the cleaners. I work retail and see people spending a small fortune on cleaners (and also on Febreze). It's insane! I work in a low-ish income area and I swear a lot of mid to low income people would be financially comfortable if they made consistent and modest changes to their buying habits. I'm not saying skimping in these areas will make you rich, but 20-30 years of just skimping on stuff like this would put you in a different financial league.

[@susanoline5823]

Yes, a rag and water can do an amazing job!

[@mysticaltyger2009]

@@susanoline5823 And baking soda and vinegar if necessary. Both are cheap and more environmentally sound.

[@searchersearcher8286]

I get so Excited when I get rid of another piece of stuff I don't use anymore.

[@Slee.40]

He was just saying to stay healthy. He didn’t say to avoid the doctor. He was giving his example of making good food choices and exercising which he feels has helped him not have any medical issues.

[@kitcatkit6240]

So this is the mentality of a young person and works for a 20 something year old. As you age you need routine screenings, cleanings, images etc. Medical expenses become necessary for preventive measures as you get old. Eating healthy and exercising has nothing to do with it. A visit with your primary care is free and it’s very important you go. I found that segment to be terrible advice. 8 years he hadn’t been to the doctor?!?! 5 years without getting plaque scraped off his teeth?!?

[@calcustom5026]

7:43 the savings with drinks is shocking, not just in restaurants, but at home. Not only are drinks expensive, but they're just bad for you. The sugar content in most drinks is insane. My wife and I went to just coffee, and ice water with a splash of lemon juice and it cut our drink spending down by almost $10 per day, and lowered our daily calorie intake by hundreds if calories.

[@johnleedy9814]

Speaking of haircuts, buying a nice set of clippers and learning to cut your own hair can save you a ton of money. I bought a $50 set of clippers from Costco about 14 years ago and the amount of money I've saved on haircuts is pretty substantial!

[@111dddcca]

The hand eye mirror coordination takes a couple of tries to master 😂. Been cutting my hair for 6 years

[@marcusai210]

I’m 18 months in myself. Total savings for sure. I used to go get it done every 2 to 3 weeks, now, doing it every 7 to 10 days.

[@Tashas_Travels]

I cut my hair yesterday and i was shocked at the price the barber charged me, i said I'll buy my own clippers and will never go to a barbershop again cos i cut my hair once every few years lol but my nrothers can use it coz they cut every month.

[@pdxmusl1510]

Sometimes i don't miss having hair. 😂😂😂

[@Miner-dyne]

Been cutting my own hair a very long time. Started in the Army. It was dead simple there. Eventually the mirror thing went away - I know where my head is. Must be okay, since my brother recently asked where I get my hair cut.

[@reggiethecommenter9137]

4:37 “Steal from yourself to reach your financial goals”. Love this.

[@antaeusguy]

sometimes i felt, no matter how much you save, an unexpected life event will drain it away... just that it will hit you less hard (e.g. a soft landing).

[@GabeBult]

I agree There will always been something but it’s better to have a soft landing then crash

[@Hoppahoppa1]

Yes that is correct, but being in depth cost more. Maybe you should consider to make more money in a month?

[@katkatisattic1654]

I saved myself $ by replacing the alternator in my car myself and I’m not a mechanic. I also recently replaced a hose to my mom’s car windshield wipers that only cost $2. Now the water squirts out perfectly! Thanks for the great tips!

[@jamielivingston7765]

If you can get to the alternator it is almost as easy as changing a battery.

[@susanoline5823]

You go, Kat! I removed my exhaust system on the side of the road! Muffler and all. I mean it was dragging. Sounds cool now!

[@lionmode]

I love that you break your videos into different chapters. Probably takes a lot of time, but that one feature got you a new subscriber. Thank you for the great content.

[@waaf25]

My one regret is that I did not become much more serious about savings when I was in my 20s or 30s. Being closer to 50 has me a little worried. Even though I do have some savings, it could have been more.

[@Miner-dyne]

A quick way to save - stop comparing yourself to anything. Be happy with what makes you happy. Want to eat broccoli and rice everyday? go for it. Want to have an e-bike and not a car? go for it. Want to play 40 hrs of video games as opposed to going to the latest (fill in the blank)? Go for it. In 6 months no one will even remember what they did, let alone what you did. Live your life to your standard. The endless comparing leads to hollow consumerism.

[@teenoso4069]

Maybe consider an annual health check up, blood and urine tests. Think of it as an investment in yourself. Whats that ultimately worth?

[@catharinabra]

When my kids were smaller we also saved 50% butttt they’re almost adults now and eat like adults, need clothes in adult sizes etc. To have 4 adults in the household with ”only” two salaries have proven to be tough when it comes to saving money. My kids pitch in with cooking etc and we love to have them home, of course but it’s not cheap. I did check some grocery prizes and for example butter is up 50% and potatoes are up 100% compared to pre pandemic so it’s seems to me like ”inflation” but mostly greed makes a huge difference in our grocery budget each month. We do already follow almost all of your tips as well. We do grow some food at home and for next year we really need to grow more with these prizes. We’re living in Sweden 🇸🇪

[@SimoneRittinger]

Same here (Germany) - and our eldest is just turning 8, but already eats like an adult 70% of the time. When we go out to eat we start at 70€ for us 4 and that's not fun. I love making things from scratch and when I get milk from the farm and we make our own yoghurt, we can save about 50%. Also the bread maker paid itself by now, the ice maker still has another season to got. But who wants to buy ice cream at 2€ to 2€50 a scoop when you can make it yourself for a fraction of the price with real ingredients and pick the exact flavor? Clothes are still though, so we will go to a flea market for kids cloths again for the next season.

[@abm672]

The kids could get some kind of part time jobs?

[@catharinabra]

@@abm672 they have had jobs over the summer but now when school started up again they commute which means not enough time to both work and study. It’ll work out for us, it’s just difficult to save money. We have everything we need 🙏

[@abm672]

@@catharinabra I understand. Once they finish schools, things will become easier

[@cgc1581]

I bought a gallon jug of Dr. Bronner‘s soap. I add one tiny little cap full of that to a large spray bottle and then I put in about an eighth of a cup of rubbing alcohol. I use this to clean everything and it sanitizes it as well. I also invested my time in learning how to make colloidal, silver and colloidal copper. I use those sprays as well and for many other things.

[@sct4040]

My father was a man who never went to the doctor. By the time he finally did, he was diagnosed with metastatic liver cancer. He died 3 months later at 60, never having retired after saving all those years. Don’t do that.

[@mircomuntener4643]

Ssoooo spend it all, in case you die, and then end up surviving, with nothing? That sounds worse.

[@brokeindio5072]

@@mircomuntener4643the comment was written in perfect english

[@codyzayonc]

How about something in the middle

[@CAROTA251270]

Gabe your video shocked me in a good way. When you showed that calendar with the weeks remaining of your life and then talked about the freedom you can gain saving money it blew my mind. Had an aha moment. Thanks!!!

[@shea5542]

I bought a giant gallon of foam soap concentrate from Amazon. I no longer buy little bottles. I got foam dispensers from Amazon and now I take my gallon of soap and dilute it 3:2 water to make foam soap and it goes even longer!

[@pranatherapy]

I got a huge tip. Grocery store chains consistently overcharge on goods. Gotta check receipts 💯

[@tyjameson7404]

Never cut out annual medical visit !! Especially if you’re thirty 30 years of ages or older!! Health is wealth !!💔🇺🇦👏🏿🇺🇸🙌🏾💔🏆❤️🐐

[@Gumby1978]

I always have a pen and paper when I watch your channel

[@lady_alisa_o]

I agree with buying lower priced food products and store brand products as long as they are of quality ingredients. Many times higher priced items include better quality ingredients and the lower end are packed with things like artificial flavors/colors and sugar, sodium, high-fructose corn syrup, corn, wheat, soy, etc. If the ingredient list is the same, then I grab the savings!

[@anaalves3658]

So true. Sometimes you can tell the difference in the taste, I stopped buying regular chicken and only buy free range now, you can see and definitely taste the difference. I also have a couple of pasta brands that I like, but I wait for them to go on sale and then buy several packets at a time. I recently swapped from the brand name dishwasher tablets to the store brand and there was no difference in how well they cleaned the dishes, so I now buy the much cheaper version.

[@lindabaker5124]

I always had my raise money auto-put into the Credit Union. Since I was used to living on my current wage, I didn't miss it. We like generic food from Aldis and our meat from Kroger. We retired at 60, but I worked two days a week for nine years, making 1k or slightly more a month, and invested it. You don't have to be cheap frugal will get you far.

[@MourningDove-bn4dk]

I don't know. I like working. I just don't like dealing with the crazy people. For me, it is an opportunity to do something different, and sometimes interact with people. If I wanted to just work from home, I suppose I could do it, but I could see myself becoming an extreme hermit.

[@Alexandra11090]

When you’re looking at your insurance, make sure you aren’t over or under insured. Insurance is there to protect you, so take the time to figure out exactly what you need and make sure you are comparing apples to apples. Some companies might offer a lower rate, but that often means less coverage. Saving a bit of money now won’t really help if you end up underinsured.

[@Caprifool]

Heh, I have $1115/month. Saving half would get me evicted or very skinny. But my main saving opportunity is to cook and bake everything from scratch. I know it's expensive, but buy quality clothes. One quality shirt that lasts 10 years is less expensive than 10 cheap ones that fall apart each year. Same with shoes. My shoes are over 20 years old. Buy real shoes and TAKE CARE OF THEM! If you can store it, when food is on sale, buy a stash! Yes you might have to eat boring food the rest of the month, but when you keep doing it. In time you're going to accumulate a variety of ingredients. I have a ridiculous variety of dry goods, a freezer full of food and a large dresser with home canned food. While others with the same income as me are struggling.

[@bigounce999]

Gas Buddy can sell your data to your insurance company and they can raise your rates based on your driving habits

[@TheQueen-g7p]

I'm still trying to digest the time chart comparative to your money. When you put it in those terms.........that's motivating!

[@sharongenco3716]

I won’t go on without doctors because everyone already has, but I will say, even if you are healthy, it’s good to create a relationship with your doctor so when, and if you do need them in the future, you are comfortable with who you have.

[@pia4383]

Thanks for those tips 😊 i did a no buy in August and it went very well 😊

[@GabeBult]

That’s great! I just did one too

[@Universal_Craftsman]

6:05 Mum, mum! He is using metal utensils in the coated pan!😅

[@lordkroak6670]

I’m learning a lot of tech skills. Like programming, block chain creation, cloud engineering, etc. yeah it’s all over the place but they are all fun to learn

[@mrs.natashaellwood8634]

The smaller home was life changing! We are a family of 4 living in a 1 bedroom apartment. 362sqft. We are always on the go and have 0 need for a living room so the living room is our kids room!

[@thenoodlebuddy]

Hahaha this has gotta be a joke... otherwise someone needs to call social services

[@lauramatos1181]

@@thenoodlebuddywhat is wrong with you? Why would someone need to call social services just for this comment? This is what is wrong with our society, you think a big room/big house and more stuff is what makes kids happy? Wow! We live in a 4 bedroom house & most of the space is wasted space… people like you need to mind their own business.

[@shea5542]

You can make your laundry soap with baking soda and washing soda and salt. Majority of laundry soap is just water.

[@kellywerner5976]

I just went to my auto insurance and asked about our 4 cars. I switched some deductables and lowered some coverage and instantly saved iver $400. It was easier than working for $400. Now I am on to my cable/internet bill.

[@xiuying6874]

Great Video Gabe, I am retiring next yr at 55 with 3 houses paid off worth 4.5 million. One is my place of residence the other 2 properties will give me $80,000per/yr rent. All thanks to my Investment Manager, I have steady income stream from my dividend portfolio, a total $250,000 a yr to live comfortably. I have no debts ... Stay Motivated!!❤✅

[@jessicaknoll4700]

Amazing! I have Liquid $200K to put into stocks, but I want to ensure good profits & safety. With tons of Advisors now, how did you find the right Investment Advisory?

[@xiuying6874]

Essmildaa Morgan is well known, just look her up

[@xiuying6874]

Essmildaa Morgan is well known, just look her up

[@jessicaknoll4700]

Thank you so much Xiuying, This is one of the best decisions i took all year long !

[@kw344]

NEVER skip having physicals with your doctor. We just lost a great friend at 65 years old. He had undiagnosed high blood pressure for years and years. He ended up in kidney failure and his body failed before he could get a transplant. If he had seen a doc on a regular basis he may be here with us today.

[@Dit1160]

I last went to a MD 28 years ago…my 90 year old mother last went to a MD when I was born …over 70 yrs ago…do see a dentist…she sees an eye doc…I don’t…I am a nurse and I can tell you some scary stories about doctors and some some scams they run…Doctors are not Gods…most of them are hard working and stay on top of things…but by all means not all…my mother is in good health, has all her teeth , kick boxes, works part time…no problems…I also am in great health still work full time…The USA has been over sold on the need for continual Md visits

[@joycegonzales4994]

I just enjoy your videos, almost any subject you talk on is valuable

[@MattMcConaha]

I used Gas Buddy for a little while several years ago, but quickly decided it wasn't worth it. Nowadays I drive a hybrid and get 50mpg, and my car only has an 8 gallon tank anyway, so it definitely isn't worth it. Even if I save 50 cents per gallon, that's 4 dollars for an entire tank fill. I only fill my tank like every other week, I'm just going to stop at the most convenient station and not worry about the unlikely scenario where I save 4 dollars. Oh, and I specifically chose my car because it is reliable, affordable, and fuel efficient. I don't need to scrimp and save on gas costs because I already chose to save so much more money just by choosing my vehicle rationally.

[@nabeelabbas4511]

Love Your Videos No Matter Which Topic You Choose Always Infermative😊And Changing my life❤

[@happiknife7716]

Love the no spend month idea.

[@msCarmell99]

Same... But it's hard being the one who holds the household budget... But we'll get there 😅😅😅

[@GabeBult]

It’s definitely a good reset!

[@pdxmusl1510]

Yeah. These are powerful..ive been doing this for a long time. For me. I do occasional no spend months. Had one in july recently. But also... Every month i have a no spend week. Only essentials. I have some slight exceptions. But the point is the bar is set extremely high and "no" is my favorite word that week. The thing you have to watch out for is that first day afterwards... don't go blow a bunch of money. If the no spend is just causing you to bunch up your spending habits its not helping you. You may need to work on those spend habbits first.

[@heatherRyan8]

Thank you for your videos and your time

[@SamNehmeE]

Pay your mortgage every other week. Moetgage companies caught on and offer twice a month which is really just splitting it in half. That doesn't make an impact. 24 payments vs 26.

[@Valyssi]

3:30 For phone plans and such, a lot of people fall into the trap of looking for 'deals' that get very expensive after the deal period. That only works if you're happy to switch plans every year or two. Another one is paying for faster internet than you need, I live with my partner, no kids, and use quite a lot of data (movies and games) but 100mbps is still plenty comfortable for our house. If it's not, most likely you need a signal booster/repeater or better yet wired (ethernet) connection

[@lesliehunt4078]

A couple more good frugal hacks are: hanging clothes to dry, and never using a hair dryer. These two hacks save me a lot of $$ in electricity bills

[@zenamatthews9380]

Where do you live?

[@lesliehunt4078]

@@zenamatthews9380 in a climate that's dry enough to hang clothes. Lol

[@zenamatthews9380]

@@lesliehunt4078 that's too much work haha amazing effort.

[@swadfihri8278]

Very well stated my friend. I’m on the same page with you. ❤❤❤

[@carwoman43]

There was a one month period I saved $2,000 in new appliances or repair costs. I watched KZbin videos. Yes, I'm really good at recognizing good videos (I really just need to see how it works to fix it) and I'm highly mechanically inclined.

[@Glanzern]

15:40 Never full after a restaurant? Where tf are you going?? I go out to our local Mexican place, spend 15 dollars, have leftovers for lunch the next day and feel like I'm gonna die from how much I ate 😂😂😂.

[@LivingProcess]

Brilliant as always 💚 Great Video will watch it more than once my CC can't catch up lol Have a Favorite Weekend ♻️

[@sct4040]

I buy groceries only for the longest time (years). Then, I decided I deserve a new iPhone (was using an iPhone 7), a cruise, and then an Apple Watch. Returning the Apple Watch tomorrow (I slipped). 😂 just canceled Amazon Prime, and Apple TV (subscriptions for hubby who loves baseball games). The baseball season just ended today, World Series will be on Spectrum (we are already paying for that).

[@apfoley90]

I sometimes feel conflicted, I am very frugal and set myself monthly saving targets each month. I now want to scratch an itch of owning a V8 AMG. I can buy it cash however I almost feel guilty and wonder what am I trying to save all this money for? If it makes me feel uneasy when spending it. A good problem to have I suppose l.

[@marcos00114]

I just did my math and I m saving 36% of my income

[@AmyJones-gh4hw]

Very free…. That’s delightful… 😊

[@deion312]

You left mint Mobile! Looks like I’ll be leaving too, helium is $10 cheaper a month for unlimited.

[@tyjameson7404]

Your salt and pepper hair looks good on you 🙏🔥🏆🙌🏾🇺🇸👏🏿🐐🇺🇦

[@cindyfoley268]

Love your videos. How often does your newsletter come out? I believe I subscribed about a month ago or so and I haven’t received one yet.

[@rethinkrich]

The best way to save money is to save money.

[@lindacgrace2973]

*LOL* "Stay healthy" says the healthy young man! Some of us (as in those of us who have lived more than twice as many decades as you have) simply DON'T stay healthy. I do CrossFit. I eat a low-carbohydrate, moderate fat, high protein diet with virtually no ultra processed food. My blood work is phenomenal. I don't drink or smoke. I am in a new town but I am diligently working on volunteer opportunities to build up my social circle. YET I still need more medical care than I did decades ago. I still need hormone replacement therapy, I need and will always need daily thyroid replacement. I still need Metformin, even after losing 200 pounds and an insulin habit (I am a recovering diabetic). I CAN'T save money by being healthier (unless you produce a Time Machine so I can back up a few decades, to pre-diabetes). So, thanks, but no thanks. I'll stick to being in a small town with excellent medical care available!

[@Yieldthief]

Staying healthy is key..... if u weren't healthy in the passed alot of damage unfortunately has already been done

[@lindacgrace2973]

@@Yieldthief So true! Five years ago, I weighed over 350 pounds; I was on two forms of injected insulin and a total of 9 medications. I used oxygen supplementation 24/7 and had a special machine (CPAP) to prevent me from suffocating in my sleep. I have now lost over 200 pounds, I no longer use insulin or supplemental oxygen, and I am remarkably heathy considering how close to death I was. But, there is only so far that I can dial back the damage (I still use Metformin, for instance). I've got my hopes pinned on continuing anti-aging therapies.

[@adrimathlener8008]

What kind of stylish keyboard are you using at 01:14?

[@voiceoverguyharris]

Thank you once again. I found your channel very helpful. I wish you would smile mire on your thumbnail. Ha ha.

[@jessWilly365]

17:02 it’s also not going in the trend of buying the “Starbucks cups” just for the experience of the Starbucks coffee at home

[@chamsseddin4449]

even if it might seem common sense, having it all in one video is the point i guess

[@sct4040]

Skipping medical and dental checkups is being penny wise and dollar foolish.

[@teodorasimon343]

What if I easily get bored of the same things? What if I like to look around in shops to see what's new? And I feel I cannot but myself something new

[@Yieldthief]

How old are you brother? My mindset is exactly the same as you and im also thriving like you are!! 💪 onwards and upwards ey... im 35 myself..

[@dorisenga4701]

My main problem is over shopping !!!

[@GabeBult]

That’s a big one

[@111dddcca]

What for? Has it improved your life? These bastards want to keep you in the system, in a job where everyone is a fake friend. Don't give them your money, all the best👍

[@carsonlink5885]

My dad always told me that before buying something to think of the money as your time. For instance if I make $20/hour and wanna buy something for $20 think of it as I’m working a hour for that item. And ask if it’ll be worth it. If you wouldn’t exchange working a hour for the item then don’t get it but if you would then get it as it probably is something you’d value.

[@111dddcca]

@@carsonlink5885 He is spot on. Also ensure you account for taxes. If you earn $20 but the government taxes you 50% then it really costs you 2 hours of your time! Also you can account for holiday pay too, which goes in your favour👍

[@pdxmusl1510]

My favorite is the pause. I pretty much never purchase anything immediately. Some exceptions. I add it to a list. Then i have shopping days where im allowed to buy & i have a budget. I get to choose from the items on that list which are most important ti me. And i buy those first. Its pretty common for me to remove items because i no longer want or need them. For me this serves a slightly different purpose. I hate spending money. I really really hate it. So the spend days are periods ive given myself permission to spend. And the budget is money ive "divorced" myself from. The purpose behind it is different. But the effect is the same. I still do get carried away with thinking of that cool new toy. But left to my own devices.. i don't rush out to the store to buy it like you might. Ill go to the store 500 times. Drool over it. Carry it to the cash register. Then bail and put it back cause i don't want to spend. 😂😂😂 its such a time waster.

[@PattyMiller-ub7lq]

I have always to to garage sales and good will. Make my jam spaghetti sauce, cut milk with can milk,. Mow my two acres and yard word.

[@wenzelino9999]

Imagine not buying a drink when you going out to eat somewhere, in the name of personal freedom ;) but there are some really good tips in this video as well!

[@pdxmusl1510]

I estimate ive saved nearly 15k by NOT buying drinks out at restaurants since ive been doing this. Yeah.. its not a lot. I don't go out to eat a lot. Eating out is wasteful to me. But still.

[@cheesecurd100s]

​@@pdxmusl151015k!? I go out to eat once or twice a year, as long as I'm withing budget I'll get a drink, but yeah it's all wasteful and I'd eather just go have a picnic or make fancy meal myself

[@kitcatkit6240]

Imagine not going to the doctor? I’d be dead from the breast cancer they found when I was 40. Guess I wouldn’t have to worry about money though….

[@emmanaden203]

Just out of curiosity, what prompted you to switch cell service providers a few months ago? Are you being compensated for mentioning Helium Mobile in this video?

[@LaJiahao]

Honey 😂😂

[@sha_breezy5229]

What camera do you have ? I notice it has great video & audio quality.

[@angelofruitsdavao2349]

is insurance such as health medical and life consider as investments? because without these savings will be just spent to health care. i also have dependents. got my kids insurances as well because i cannot afford the hospital just in case. my budgeting now are 44% are utility bills, fuel, rents, food, pets, son tuition fees school allowance. 11% insurance, 9% savings for emergency , 15% investments, 31% credit card debts- plan to get rid this debt in 12 months..

[@reviewsbygen5591]

My family of 6 (4 young kids) also have a savings rate of 50%. And he isn’t a neurosurgeon or so but a military man with a middle class income. I don’t work so we don’t have to pay for childcare (which is overpriced anyways) and I spend time to save wherever and whenever we can. People overestimate how much kids cost and frivolities like designer clothes and $$ sports aren’t needs. Our kids didn’t change our budget by a ton either.

[@TraceyZilkowski]

Skipping dr and dentist appts is not a wise choice. Saving money in the short term can cost you in the long term. Even though we take good care of ourselves health issues can still happen.

[@jayharmonyhub]

Useful 👍

[@Specterdk]

T feels crazy hearing about internet subscriptions prices around the world and comparing it with ours in Saudi Arabia.. Can you imagine while this guy pays $20 for unlimited everything I have to pay around $120/month for the same features!!

[@jackchen5290]

I used to follow the 10-1 rule, but Uncle Sam and California franchise tax board insist on helping themselves to 50% of it, so I can only save 40%

[@OverIt1984]

The Wendy’s app at 1:30 😂

[@successway6789]

Wise words from my father: If you live smart, you don't have to work as hard.

[@Yourcommentwasretrded]

A thumbnail with you sitting on the floor against the wall? I have never seen that before in my life on this channel. Very innovative.

[@19cerni91]

You are saving to be able to spend it on traveling? I personaly would radher invest it in tools or my business instead. Or at least wouldn call it a planed saving but planed expencess

[@Savage11-b7e]

Well getting part time job and letting them know no weekends,saves your mental health

[@ThaOriginal_Q]

Impossible to save 75% when my tax rate alone is over 30%?

[@evam.2101]

Starbucks not for medium bucks to low bucks folks. For the stars with bucks. 🤣🤣🤣

[@itsjustjrdan]

first 💪🏽

[@GabeBult]

💪

[@ruth1996]

J.C. Penny lived on 10% and gave the rest away.

[@cduran110]

Costco gas, most affordable

[@liviumoroianu9849]

Cook-in Bult

[@R3DGaming]

1:30 - Is that Wendy’s?

[@elizabethzierke4733]

Buy bathing yes!!!!

[@laglousse]

The only good advice there is the one at the end of ''no spend years" = just develop your skills to make money and buy your time/freedom. All the rest is the opposite of one should do. You time is precious, money is nothing.

[@bryankasper8567]

I won't support chains like aldi which are actively taking money out of my local community. I'll support local farmers.

[@lucinity4351]

Everyone with a little money should do this but we can't all afford to