How Being Lazy Costs You Money

[@AccordingtoNicole]

Cut your insurance cost in half with Insurify: bit.ly/4fK7hPb

[@silentnot4812]

Being lazy has saved me a bunch of money. I’m too lazy to go out to buy a Starbucks. I’m too lazy to go to the grocery store so just dig through my refrigerator. I’m too lazy to get online to order clothes that are on sale. I’m too lazy to look up lawn services to hire someone to mow my grass. Easier to just do it. I don’t buy more stuff because I’m too lazy to clean or dust it or move it around.

[@CeeTee469]

I live near a mini mart but i don't go. I wait til I'm going in the city to shop(once a week). All now i would eat some cake or biscuits but I'll wait. Plus, sometimes i plan for one thing and end up with more things.

[@AccordingtoNicole]

Same 😂 I always say that in the time it would take me to go out and pick up dinner I can just cook something better at home.

[@BrettKuntz]

@@AccordingtoNicole Yes, and the food is so much better at home.

[@KACn5582]

I now have a name for it! Lazy saving!! If i forget something when I buy groceries, too bad. It's 20 miles round trip to a big grocery store and the effort to go back is just too much. And it also makes it an effort to return things so if I am not totally sure about something I don't get it.

[@patrickb.4749]

It is really handy that the same dumbass inside us that wants us to eat unhealthy food is also a lazy fuck. Just not taking any cash with me was a big part of my strategy to kick my habit of going to fast food places on my way home from work. Because those places do not take debit cards, only cash - and taking five minutes to deposit (edit: I meant withdraw) cash is just too much work, apparently. Similar story with just not having any unhealthy snacks at home (to be honest: for 95% of the year at least). There is a petrol station 2 minutes away with all the poison I could crave - but nope, I rarely even consider to bother with that. Craving for any of this crap is very rare now. Eventually, even partly willfully backwards Germany is going to join the 21st century and places are going to have to accept non-cash payments, so this is not a sustainably strategy. I have tested taking cash with me again two times and it was not hard for me to just say "no" this time.

[@MsLesset]

whenever I have a shitty day, I only have to watch Nicole's video's to feel better

[@thomasquinn2680]

I will pay for your overpriced beer. I owe you for all the times I have enjoyed your videos. Thank you for your work!

[@oritb7048]

Thanks to you, I stop myself from buying nonsense many times. You have already saved me a lot of money and I thank you for that. Including the Black Friday sales that were on now, where I didn't buy anything.

[@keancv]

here in UK some call it black fraud day, because many of the offers are or have been cheaper at other times in the last 6 months

[@oritb7048]

@@keancv right? I found myself standing for 15 minutes in front of pajamas that are on discount after they have a crazy price anyway when I have a lot of pajamas at home??? Why do I need more? That's exactly what the stores make us think. They try to pressure people to buy because the sale will end in a moment.

[@waylinnelson]

Watching this video literally just saved me $600 a year Called my cell phone company, saved $20/month Got my $120 annual credit card fee waived Got rid of $20/month in subscriptions Thanks Nicole. Great video!

[@AccordingtoNicole]

🙌🏼

[@elisabethvillette6298]

My husband and I are very frugal with money. Whenever we go on a long car trip or go to the beach, we pack a picnic. Whenever we go out, we take our water bottles. Of course, this requires foresight and effort. But it's very satisfying to try new recipes, make our own meals and save money too.

[@daniels5607]

you you make a nice fresh picnic its better than the stuff in the store.

[@thebigpicture2032]

We’re even more frugal, having the picnic at home and skipping the long drive.

[@margaux951]

I go with picnic in our backyard

[@KimSmith-b9v]

True. I understand why laziness is a deadly sin. It has ruined my life. Everyday I live with the regrets.

[@kylepatton2423]

Then maybe stop being lazy? You can always fix your life, even people that have been completely ruined and did 20 years in prison change their lives. How lazy are you? Like do you just sit on the couch with Dorito chips all over your shirt and don't shower kinda lazy or are you just skipped a day at the gym kind of lazy?

[@thebigpicture2032]

@@kylepatton2423 I’m guessing it’s the chip version of lazy if their life is ruined.

[@greenmanatee6462]

I was just renewing an emergency alert button service for a family member. The company's representative told me the charge, I asked if there was a discount for paying for the whole year, like there was last year, he said it expired. It didn't feel right to me so called back a few days later, I asked this representative about a discount, she connected me to someone else and voilà $10 off a month. Saved $120 in almost less time than it took me to type this text

[@ozyrob1]

That sucks that the corporate world is completely ok with lying to make money.

[@richardross7219]

I gave up on beer 20 years ago when the price went up to over $5 a 6 pack. Good video. Many people are lazy and stupid about money. You can't fix stupid. Keep informing and you may help some people. Good Luck, Rick

[@jibboom2112]

Natty Light = $15 per case (24) +tax

[@johnkay4701]

I still like beer, but only rarely buy a good quality pint when I go out & be sociable. Staying in every evening also has a cost that can't be measured in money. On a brighter side; for 45 years I've made my own home-made wine. From fruit trees & my grape vine I've planted & grown in my back garden, to foraged fruit. When I first started out, I tried the concentrate kits (only when at a reduced price - lol). Really though, a 75cl bottle of my home-made wine only costs me 35 pence on average. I like hobbies that save me money. 'Friends' find excuses to pop round so they can enjoy a tipple or two; it's a small price to pep-up my social interactions a tad. So I make about 8x gallons per annum - slurp.

[@CARLiCON]

most insurance companies will give you a discount to switch to them , but they will then raise the rates on you annually...it's a scam. Btw I refuse to buy drinks out at bars & restaurants now. Water only

[@timprussell]

Using an independent broker or a service like she advertised you can easily shop around. In the US you see the major companies all have their mascots. Flo, Mahomes moonlighting with State Farm along with the coach,Mahem, the Gecko and Caveman. There are many other insurance companies however. I didn’t need to be paddling the mascots paychecks.

[@oHIYR]

I have this saying that I tell people!!! “Everything that’s good for you is free” !! See we live in such of a consumerism world that we feel the need to just buy food or random things for no reason… you can workout/ run that’s free you can get your knowledge up by checking out books from the library that’s free!! There soooooi much stuff that you can do to better yourself as a person that don’t require money!!! Especially with buying clothes 😭 once you start looking better physically you can literally go to Ross and buy a 10 shirt and it’ll look good, why? Because its the person who’s wearing it….AND THAT MY FRINDS IS HOW YOU SAVE MONEY…

[@AllBlackAirpods]

It’s a great day when Nicole uploads! ❤

[@The_Fancave]

"Doughnuts? I told you I don't like ethnic foods"! And yes, I've found that the key to avoiding superfluous subscriptions is to use an antiquated phone that can't download apps. I also don't own a TV. I rely on activities that are either cheap or free, like hiking and photography in order to keep myself entertained.

[@Bitbit3427]

I don’t call myself lazy because I am a senior citizen and I do not like to go out. I do not order out that is a no-no in my book. The only thing I order out is food when I do not feel good and cannot go to the store. I don’t have a lot of money anyway so being lazy is good for me that way I don’t spend unwisely I have a budget I go by and if that budget gets low well I may not eat so if I go and order food and have it delivered from the grocery store, I don’t consider me being lazy. I just consider me being old and can’t do what I used to do.But I do understand what you’re talking about. Convenience is everything these days and convenience makes you a lazy person.

[@tammybrennan2040]

Detroit Edison & other electric & gas companies give senior citizens discount monthly

[@shellrie1]

Oh man, the insurance thing is so true. I switched auto insurance companies a couple months ago, kept the same coverage, and cut my bill by over half. I also switched homeowners insurance a week ago, got better coverage, and cut my bill down by $1300 a year. Definitely shop around for insurance.

[@watchmethriving]

I shopped by calling a broker who did the shopping for me. I got better coverage and saved 52%.

[@carrob704]

I nearly choked on my coffee when Nicole said that her one job acted like they were doing her a huge favor by paying her $11 an hour for her to be their B@@@@! I think we are feel that way regardless of circumstances 😂

[@7Write4This9Heart7]

Mood! lol.

[@jonathanfoster2263]

the guy who mows my lawn charges 40 dollars per job. I used to do it myself but kept getting hayfever allergies. I got to a point where I needed a replacement mower. I did the math and I could get it mowed for 5 years for the cost of a decent mower for my large yard. Thats when I decided to pay for the service. I haven't had to go to the clinic for steroid shots to combat my hay fever since.

[@watchmethriving]

That's called using common sense! It's kinda rare these days. Keep up the good work!

[@JubeiKibagamiFez]

And you know what the saddest part is, people are to lazy to look at their bank statements and see what their money is getting spent on. I think this is a big problem with online banking and paperless statement, people take that for granted and never go online to check their stuff. Checking my statements is a weekly habit for me, as is paying off my credit cards and seeing how much I have for next week.

[@lovingsunshine3515]

I don’t think it’s so much of laziness that people don’t check their bank and credit card statements. I think it’s denial of not having extra money in there for spending. Or their credit card balance keeps going up bc people are only paying the minimum so it doesn’t even make a dent. And they don’t want to be reminded just exactly how much they’re in debt the reason why they won’t check it. I love checking our online bank accts, it gives me thrill and dopamine hit when I see our savings going up and makes me want to continue saving and less spending. Very blessed to still be able to do that and no credit card debt.

[@seltzermint5]

me too. Whether I'm a college student with 67 dollars in my account or now in my late 40s with so much in there I need to pull some into interest bearing accounts, I'm gonna check those balances at least weekly and monitor them closely.

[@JubeiKibagamiFez]

@@lovingsunshine3515 It's definitely that too, for some people. Denial is a very potent drug.... Out of sight, out of mind.

[@phenomeninja1855]

I don't think that using the Big Jeff Lebowski as a role model helps one in life, but it is a zen buddhist way to live even though it does not tend to make one a millionaire; the happiness points are priceless.

[@marklanders630]

Yesterday marked the end of my no spend November and the only thing I actually bought beyond groceries and monthly bills was a single cup of coffee. Think I'll just keep on going with this lifestyle. Instead of going out, I go to the beach and swim.

[@IzzyOnTheMove]

Congrats! I'll try it, maybe in January! I need to write a novel then so that should help me focus!

[@seltzermint5]

I didn't do no spend November but I love that! Yesterday we went out of town all day. Spent $30 on a nice meal and $6 total at thrift & craft stores (bought a cd, DVD, and garland for a craft project with coupons). Four mile hike and a free museum 1 hr from home. So gas included the day out was under $50. I'm happy with that.

[@WorldT]

never understood why people want to pay over 3 dollars for a coffee and spent 15 minutes burning gas waiting for it in the drive thru when you brew your own coffee at home for just pennies, thanks for sharing

[@watchmethriving]

exactly!

[@thebigpicture2032]

When you pay more than $3 for a coffee, it’s because it’s better than the one you make at home.

[@nataliag5736]

@@thebigpicture2032The coffee I cook at home from carefully selected whole beans much, much better than one you can buy in any coffee shop.

[@thebigpicture2032]

@@nataliag5736 you must not have been to good independent coffee shops that do the same and roast their own beans on site.

[@nataliag5736]

@ sure

[@firelitparlormusic]

Such a great feeling dumping expensive services that aren’t needed anymore. I started doing this with phone and cable years ago.

[@IzzyOnTheMove]

Feels so good to hit that cancel button

[@malgorzatabuczynska2684]

I live in Poland and have an online only bank account with debit card only and it is completely free of charge. My only subscribtion is for a email service without adds but it is a small sum once a year.

[@turquoise_sky]

In the US you can get credit cards from credit unions that have no annual fee. I have never paid a fee for a credit card.

[@AccordingtoNicole]

Lots of cards have no fee. But the ones with the best cash back and benefits typically have an annual fee.

[@ceeteemcdee4126]

I'm not too crazy about how my credit union is upped my limit so high!! It just seems like an incentive to get one to charge more.

[@milycome]

As usual Nicole, another outstanding video on the nuts and bolts of everyday finance geared towards common sense savings .

[@robertmaxa6631]

Ok, In Canada though, when it comes to cellphone plans, we're giving our money to one of the "Big Three", anyway. Rogers owns Fido, and Freedom mobile, I think. Telus owns Koodo, Bell owns Virgin mobile, so... That being said, I switched to Fido, a year ago, because of a fantastic deal. The only downside, they're not on 5G yet.

[@markhernden9472]

We Canadians pay more for cellphone and internet service than just about everywhere. South Koreans, for example pay about a third of what we pay ang get better service.

[@King-mc6bt]

This video singlehandedly made me call my insurance and adjust my rate. You saved me a lot of money thank you Nicole!

[@IzzyOnTheMove]

I just switched from Virgin Mobile to Fizz and my bill went from $45 to $22!! For a better plan. I also changed addresses from Québec to BC - I now pay 5% less sales tax 😅

[@seltzermint5]

we have used Ting (in the US) for over ten years and our bill runs $24-35 for 2 smartphones. The highest it's ever been was $52 when using lots of data on vacation. With Sprint our bill was always around $150.

[@notleavingmyroom]

$129 in annual fee? I’m in shock! Once I decided to call to cancel my card due to the $10 annual fee, and they offered to permanently cancel that fee if I agree to keep the card. Said ok, they even thanked me for giving them a chance. I have not used the card in more than a year, but I don’t pay anything for it either

[@urbansurvivalist411]

Calling the CC company to waive a fee is actually a great idea! I hadn't thought of that.

[@trapspamalot]

Do they even answer the phone ? All I get is the computer automated attendant 🤨

[@thebigpicture2032]

Good luck with that.

[@BowieFann]

Better to write them in the US. You have proof you asked and you have what they say in writing as they're supposed to respond.

[@BowieFann]

Some online subscription companies make you jump through hoops to unsubscribe. One service in particular is too lazy to beef up their security to disallow hackers to reopen your account once you unsubscribe. I was charged for a month’s service after I unsubscribed.

[@Lonovavir]

I never signed up for streaming services. In the long run sticking to physical media has saved me a small fortune.

[@BowieFann]

@@Lonovavir The hacker made me wary so I haven't since then. My public library has a few streaming services patrons can use for free.

[@beccafichtner5305]

There's another element here that isn't laziness. Many people have a lot of anxiety about phone conversations and dealing with customer service reps - assuming you can get out of the automated maze.

[@seltzermint5]

A lot of this is stuff that I do, eliminating fees, subscriptions, etc, and my friends think I am so over the top about it. I don't care. I would rather save money. Fortunately my partner is on top of this too. He recently changed our internet provider and cut the bill from 93 to 50 dollars per month. The service is the exact same. I call myself "lazy" because I spend a lot of my free time wrapped in a plush blanket reading library books. But it's after I've worked all day, exercised, kept up with household chores. Best type of lazy IMO!

[@melissalee333]

I really enjoy the xm radio in my car but not enough to pay the current rate. I call every year to get the price lowered. It is annoying to have to call every year but so worth it. I pay $4.99 a month for that service. Well worth it to me at $4.99 but not at $21.99. If they won’t lower it to keep it this price I will cancel it but so far three years in and they have kept the lower premium.

[@AnaViolinViola]

I fell in the " sales" trap...but only used some of my "fun" budget to update a bit my wordrobe. I used the free delivery option, as well as all the possible coupons i found online for those items. My spending was £100 for a new bagpack for work, 2 pairs of multi-purpose trousers, 2 very good quality t-shirts, 2 sport bras and a jacket-hoody... I love all of these and have 0 regret getting them 😂

[@Pihlalorjoone]

I don't know if 'lazy' is the best term. 'Lack of self-discipline' sounds as a more precise term. But I fully agree with your points!!

[@jonathna11]

Big fan of your content thankyou for what your doing your helping me declutter and simplify my life

[@OverflowCafe]

What you've said is 100% true for small businesses also. We build and fix websites and most of our clients are subscribed to multiple domain / hosting / business subscription services they don't use or need at all. Sometimes spending just an hour each year going through all of the line items can lead to a savings of thousands!

[@DW...]

Great tips Nicole! Switching my home & auto insurance saved me so much!

[@Mike-108_v_]

I got all my shit down to bare bones. Insurance, internet, credit cards, cell phone, refinanced the mortgage (that was a pain in the ass), electricity, grocery coupons (electronic coupons too), no recurring subscriptions. HOWEVER, there is this quote: “I choose a lazy person to do a hard job. Because a lazy person will find an easy way to do it.” Bill Gates

[@marcdc6809]

I had a rather premium internet subscription for about 20 years. Then we bought the appartment and I took just a cheap basic internet subscription there for half the price... then I asked my son if he noticed a difference... there was no difference... so I took the same basic internet subscription here in our house too... saves 30 euro per month. It's like I've been going grocery shopping with a semi-truck ...

[@oHIYR]

Also all these streaming services and stuff like that like let them GO!!! People don’t realize they spend almost 70$ a month on just subscriptions 🤦‍♂️ phones toooooo why get a brand new phone like bruh if the one you got is working just keep that one…I know people who pay almost 200$!!!! For their phone service and it’s ridiculous you shouldn’t be paying more than 60$

[@lousalome963]

This was such a good reminder ❤ like for real. I will put this video to my monthly "loop" reminder playlist

[@mapratt]

The one thing I would urge a bit of caution about is the insurance company you work with. Some are notoriously good at making it virtually impossible to get money from a claim. Do some research to see if you might be sending your admittedly smaller check into a black hole

[@Ful-OGold]

Yeah companies capitalise on our laziness and they know how to exploit it to.

[@timrice7317]

If they tried to exploit my laziness it would cost them money. Im basically Scrooge McDuck.😂 I dont buy anything.

[@cynthiahoward2285]

I love your videos! They make my Sunday ❤. We cook almost daily and eat out maybe once a week. It has saved tons of money as we are a large family.

[@stephenadams6455]

Switched car insurance and saved. Also canceled some unused subscriptions. Also did a balance transfer and I’m making sure to have it all paid off before the interest kicks in. These tips are amazing

[@alex0589]

I once called my internet company to mildly complain about how the same service was now advertised cheaper than what i paid monthly and the customer service girl decided to wave the cost of the entire month to keep me happy. She made some weird mistake and ALL the following months came at 0,00$ and i only had to pay the CRTC tax of about 0,40$, which i did. It went on like this for over a year. Sometimes i look up at the stars and think of her.

[@SharonLougheed]

Oh. I don't make most of these mistakes, at least not significantly so, but I'm still financially screwed. Yes, you touched upon the value of time, but I think my _biggest_ problem has been a lack of taking active steps forward. I mean I do switch my electric service regularly to save money. But the fact is, no matter how much you save by not eating out or by taking public transit and by avoiding subscription services and even finding the cheapest deals, if you don't take active steps to GROW your income, not just save, you'll passively lose money because money loses value over time. Aaaand you'll be miserable too because you weren't even spending it! Honestly, I think I've taken the "saving" mindset too far at times. Opting to waste two hours in transit instead of paying for a 30 minute Uber can be a level of frugality that can _hurt_ . And trying to save money by not seeing a doctor (physical or mental) can hurt your health. And yeeeeah sometimes you can rationalize your laziness (or fear... etc) as frugality, and that's no good because it may be expensive in the long run.

[@myaccount9498]

Yes, all good points! U are very wise 💜

[@agustino42491]

subscriptions are death by 1000 cuts

[@marcosreal11]

$2.50 for a beer on the Mexican beach.

[@irememberla6460]

Wow gotta try that getting the credit card annual fee waived!!

[@AccordingtoNicole]

Do it!

[@IzzyOnTheMove]

​@@AccordingtoNicoleme too!!!

[@keancv]

Nicole in the vain of the insurance. Here in UK we have three or four mobile phone network companies, but many companies that pay to share their masts. The companies that own the masts charge more than the companies that pay them to share. So before your sim deal expires get a 30 day sim from one of the lesser companies to check the call quality and user experience. Porting a phone number is nothing special

[@jbt369]

There are Shubb capos, and there are capo shaped objects. The Shubb costs a *lot* more than what you have on your headstock, but it will outlive you and work much better.

[@rectify2003]

So true - I work for a minimum wage company with selfish narcissistic management wouldn't care if you died doing the job as long as money came in. I do that job to help my business when things are quiet and I can take on people to give them work as well

[@random.oddities]

The same thing happened to me with car insurance. I called them before I canceled and asked why they were raising my monthly rate by 11 dollars. They said because the average cost of repairs etc in my area was going up. Eventhough my driving record is perfect. Insurance is such a scam but I switched to another provider since it's a law to have it 🙃 At least I got my $11 a month back.

[@jolenetwomey8280]

Hi. My reaction to those meal delivery services is, "Oh? Do you want us to eat it for you, too?" About the only thing I'm guilty of is continuing to carry a $16.00 or so Netflix subscription every month when they play the same old crap month after month.

[@bree8150]

I’m already offended just by the title 😂🫠

[@TylerG7777]

Being a lazy, procrastinator has always been my investing superpower! I always sign up with my employer’s 401k and 457b each time I start a new job, and I max them out. But I never sell. Why? Laziness & procrastination. Even when the stock market is tumbling, figuring out how to sell just seems like a big effort. So in 20+ years, I have never done it. Now, my portfolio is huge. It has grown and grown. Sometimes, being lazy and procrastinating really does pay off.

[@Billiepippen]

most hsrd workers are poor but you too privileged to know that. women who been cleaning hotel rooms for 30 years no vacation and still broke.

[@allisong6433]

I lost my job at a hotel as a laundry attendant during COVID but I get what you mean. Working hard but not having much to show for it is frustrating.

[@ArtbyPaulPetro]

What Financial Guru David Bach calls "The Latte' Factor". Most Americans have HUGE Latte' factors. I imagine plenty of Canadians do too. those little expenses that most people just don't even think about can literally keep a person broke their entire life. Starbucks, cigarettes, monthly manicures, subscription services, lottery tickets, restaurant food, etc. etc. the list is endless of things we either totally waste our money on or way overspend.

[@LindaDooWop]

I just love Nicole! She's unique!

[@jerrylives2278]

This video made me feel pretty good cuz I do almost none of these things. I go out to eat once in a great while and it's primarily to socialize as I cook every night. I still feel broke though!

[@larrywalsh1848]

Lots of good info from video and comments.

[@blurgirl79]

i agree with your points! it's best to make it a habit to keep a spreadsheet of all expenses in and out so you know where your money goes! sometimes, subscriptions do help me to save money :P for example, i used to be an online shopping addict. ever since i subscribed to KZbin premium, i spend more time watching shows than browsing shopping platforms. in the end, i realized i actually did not buy anything online for the whole month!

[@paul_domici]

Great video! My CCs have no yearly charge! I call to complain all the time to the cell company, cable and any CC charges! They always wave it! Just threaten to go somewhere else!

[@juliasartchannel4577]

Hello! There is an opposite case. I am usually lazy to buy staff. When I am overwhelmed by crowds in Shopping Centre or tired or whatever…

[@KellyBoettcher-qo9tx]

Cancelled 2 subscriptions last month 30 dollar's saved per month

[@lastannahme]

Just exellent advice and valuable knowledge once again. Especially for younger folks (surely not exclusivly) that are uneducated and inexpierenced in handling money.

[@ylpea5170]

The problem is though: after being made (!) to work 60 hours per week without even a lunch break, there is no energy left whatsoever.

[@fernandoben5605]

Great advice and motivation ! We are living in times that every penny counts. Most credit card companies here in the USA do not charge an annual fee, especially when you have good credit.

[@markbernier8434]

If you don't want to change a service, often just bringing the details of a better offer from a competitor is enough to make them match the better offer, ask for customer retention department.

[@kyootzee]

My therapist said calling myself “lazy” was self harm.

[@laundrygoddess4]

Some people are lazy. And sometimes it's poor executive functioning. Other times it's a sense of entitlement. If you can't help it... Then it is self harm. If you're just not bothering to do stuff then your therapist isn't doing right by you

[@santisanti8386]

As someone who spent a big chunk of their life being in functional freeze, I can say that Nicole is 100% right. There is a difference between inability to work or function productively and laziness. And paying online services if you don't have to is laziness. If one can watch KZbin videos, they can do themselves a service and unsubscribe from the service they don't use but still pay... It's doable thing even for those of us who struggle...

[@lindabarnes5235]

I think there it’s about nuance. I am not lazy and I have lazy behaviors that don’t serve current or future me.

[@IzzyOnTheMove]

Get a new therapist

[@nathan_something]

This comment is **easily** the most pathetic shit I have ever heard in my entire life. Stop wasting your time and money on your therapist. Another thing about that is - if I'm hearing about it then therapy isn't helping. You'd be quiet and keeping to yourself because you wouldn't have any issues to work out if it was helpful, but that's also exactly why you shouldn't have a therapist; you're supposed to be figuring things out yourself. But side note... I realized how to **not** waste $20+ at starf*cks every day - just grab a can of their cold brew mix from the gas station instead. Problem solved. Way cheaper. Thanks, brain, you're always there for me. Who needs family or friends, or any sort of support, am I right. F*ck 'em. That's what I always say in my mind as I'm drinking my coffee at 4 a.m., (responsibly) speeding on the freeway to my boring and completely unimportant job, listening to "Welcome Reality VIP" by 'Nero' at full volume with my earbuds. ...last part is real, too oddly specific to make up and the bit about "responsibly speeding" is that I only drive 80 m.p.h. in the 75 m.p.h. zone, I'm not going 100+ m.p.h. - or **am** I? (I may be)

[@Scott-o2w4n]

Transferring a balance from one credit card to another is not free. Promotional APR,s are for future purchases for a determined amount of time set by the issuing CC company. Balance transfers will cost a percentage of the total amount transferred. Be sure to read the fine print of your CC agreement before making any balance transfers.

[@TehPwnerer]

I spend about $200 a month in subscription services in the form of Internet, phone, insurance. Hell my rent is a subscription too so now most of my paycheck goes to subscriptions

[@whysoblutube]

Those are the necessities of life. Unless you’d rather live on the street for free. You don’t need entertainment subscriptions to live.

[@samhayward5350]

I took a free financial course last year and learned that there is a fancy term for this. The term was 'inertia'.

[@undeadfate99]

This year I changed my cell phone carrier to one of those companies that rent out the same cell phone towers. Excited to save on my monthly bill now

[@michaelmeans9187]

I like the chip on your shoulder. Keep up the good work and thank you for sharing.

[@michaelsefchek5116]

Get a requote from your existing insurance company. My renewal quote was $925, when I requote it dropped to $615. Same company.

[@cooledcannon]

You should be lazy when it comes to doing actual work for minimal pay. You should not be lazy if it's merely the discomfort from trying new things or not following social norms . (assuming your goal is quality of life)

[@LynsAlteredArts]

I just got the renewal notice for my homeowners insurance and it’s gone up over $100 a year, but I’m not even going to try to change because I live in California insurance companies are leaving California. People are having their insurance canceled left and right and can’t find a new company so I’m afraid to even try to leave the company I’ve been with for many years.

[@Helikzhan-s7p]

Go all the way. If you really want to retire and not have to listen to the likes of content creators telling you that you need millions of dollars saved to retire: Grow a garden, learn how to take care of livestock, get livestock, grow your own food to feed yourself, invest in solar and geothermal. It all carries an initial price tag yes but over the long haul it truly liberates you from retiring with nothing saved. You absolutely can retire with nothing saved IF you invested in the right lifestyle choice.

[@heyitsthatmoviedude1627]

I may not be a Jew, but i sure as hell act like one: - I grow my own food using the soil in the ground - I invest in cryptocurrency in small amounts - I build my own homeware from scraps - I make my own food at home Sure, there's days when i spend stupidly, but who doesn't. Anyway, the only way i was able to do everything i said above, is by reading, learning, utilising time and intense effort. I spend next to no money (literally), and i share my house with 3 other people to save on rent. The fact that there's so many things you can do to save money, but i constantly hear people complain about the lack of money they have, is staggering. Gardening: - I use the soil from the ground, learned how to cultivate, i don't water it due to rain water being so much better for any plants than tap water. I just prune them every now n then and harvests are massive. Easily the easiest one to learn of the entire lot. Patience is the biggest difficulty i can see people dealing with when it comes to gardening, but for me, i just throw seeds in the ground after prepping the soil, and bam, i get free food that lasts me ages. Easy. I'll be seed which are usually between $1 to $6 for a few hundred seeds per packet, depending on what seeds i get. If you wana go even cheaper, simply grab the free seeds from inside your parents or friends food, like in oranges, kiwi fruit, or capsicums, or watermelons, tomatoes, etc. They grow just as fine. Crypto: Easily the most intense, in terms of learning and understanding. I can't tell you anything about it because it'd be a chapter book, but in my first 2 weeks, I earned $96 from $30, and it's still rising more and more each day now, instead of per week. Building: This one is the most physically intensive. It requires a simple understanding of maths and general knowledge. If you can stick with it, you can make just about anything. My best build is my 1.8m x 1.8m corner desk hutch, which someone asked to buy from me for $1500 due to its sheer size and ability to store things in it. All i had to buy was: - a basic saw set (under $40) - nails and/or screws, depending on the build (approx $10) - sandpaper (approx $10) - glue (approx $15) - wood scraps (free - just gotta be picky so you don't get something that's gonna crumble apart) Usually things i buy bleed over into the next project, saving me a ton of money in the long run, but for the most part, it comes down to if you have a good sense of creativity and endurance. Making food: If you don't know how to make your food last with some basic ingredients, i'm not sure what to tell you. You can turn almost anything into a substantial meal if you've got the same thing as above ... creativity.

[@heyitsthatmoviedude1627]

The most i'll actually spend real money on are things like meat, milk, bread, rent, utilities, etc. Ya know, basic living expenses. But to be honest, considering how expensive all that stuff is these days, it's hard to save much of anything atm.

[@watchmethriving]

I saved 52% on my car insurance by calling an insurance broker. They represent multiple small insurance companies that have cheaper rates because they don't spend millions on advertising and celebrity endorsements. I'm in the US and am not sure if they have a similar system in Canada.

[@stevebrown-l1p]

a former vid of yours inspired me to change auto insurance and saved me over 1,500 USD a year

[@magicman9329]

I have no goals in life so laziness suits me just fine. I don't want to get married or have kids or buy a house or a car or clothes or vacations or going to restaurants. I'm not addicted to any substances and live a very plain, boring pointless life. My goal is to live a lazy pointless life until I die, and contribute nothing to the world.

[@Missy-Missy1111]

Nicole, I'm extremely impressed by your poise & pragmatic approach to life. You show great profundity & are always eloquent. You present each well-thought-out topic in a cogent manner. Additionally, your quips & hilarious video clips are especially comical. This is why I look forward to your Sunday videos. Writing this was time well spent.

[@donaldlyons17]

What you mean she is both cheap and takin advantage of her good luck..... We can't use the info. in our own conditions are not right!!! F this stuff I need the right conditions first!!!

[@Missy-Missy1111]

@donaldlyons17 you make a valid point. I do think that some luck plays a role in someone's success.

[@donaldlyons17]

@@Missy-Missy1111 I would say that with factors one can't control yeah the situation is not as simple as some of these KZbinrs make it seem!!!!

[@LeoKing-gd6li]

I refuse to eat out, or do anything where someone would want a tip. I have to look out for my future, not theirs.

[@pbailed8007]

Insurance is a giant fraud! you pay for it every month for your house your car maybe a few other things and the second that you need it or go to use it you get denied and yeah…

[@mikewilliams2251]

thank you. yes, you have motivated me.

[@AaronEdwards]

The ones that usually get me are the yearly subscriptions. I’ll forget about it and then be like, “whoa! Oops!“ when it comes out of my account.

[@KellyBoettcher-qo9tx]

Keep up the great content❤

[@rickschlosser6793]

I don’t disagree with your feelings on insurance Nicole. I would just caution you and others that you have to do your homework. (I know you do Nicole) Sometimes when you pay less, you get less. This is very key with insurance. Just be careful here.

[@mikehogan1827]

This is a great video - a great public service. Seriously. Well done.

[@smileychess]

My subscriptions are pretty tightly controlled, but you reminded me to cancel HBO Max. I went to cancel and they offered me $2.99/mo for 6 months. I accepted it. Wouldn't have seen that had you not given the reminder.

[@raisklose6785]

Advice I needed to hear thank you

[@Robberg118]

This isn't about saving money, it's about spending less. They're not the same thing. 7:30 You haven't saved $129, you've spent $129 less, unless you put that money in a savings account.

[@francocasentieri932]

I just love your logic and the way you got me interested