How I Save Half Of My Income (Part 1)

Welcome to my MissBeHelpful channel!
It is TOTALLY possible to save half of your income OR MORE each month! Here are some changes that I made in my routines and habits in order to make this goal possible for myself in 2015.
Here are some links to items that I mention in the video:
Split Costs Easily with Venmo or QuickPay:
venmo.com
www.chase.com/...
Get Your Groceries Delivered With Freshdirect:
www.freshdirec...
(REMEMBER TO SORT BY PRICE!)
Great Meal Prep Ideas:
/ mealprepsundays
Mix Up The Taste Of Your Water:
www.buzzfeed.co...
Hope you found some helpful tips here. Stay tuned for Part 2...
More from MissBeHelpful:
My VERY FIRST video (AWWW): • Get Your Credit Score ...
How to Improve Your Credit Score FAST: • Improve Your Credit Sc...
Common Credit Card Myths: • Common Credit Card Myt...
Budgeting Basics: • Budgeting Basics: COMM...
Why You Need to Start Retirement Saving in Your 20’s: • You MUST Start Retirem...
5 Things to Consider When Applying for New Credit Cards: • 5 Things to Consider W...
Credit Card Rewards… Do’s and Dont’s: • Credit Card Rewards: D...
Become and Expert at Reading You Credit Card Statement: • How To Read Your Credi...
How To Improve Credit With Limited or No Credit History: • How To Improve Credit ...
Best Apps to Save for Retirement with a ROTH IRA: • Best Apps to Save for ...
Best New Way To Improve Credit - No Credit Card Required: • Best NEW Way To Improv...
How Trump Can Affect Your Finances: • Video
How I Use the Grace Period to Avoid Paying Interest: • How I Use the Grace Pe...
Let’s connect:
FACEBOOK: / missbehelpful
INSTAGRAM: / missbehelpful
BUSINESS INQUIRIES: [e-mail]
’Til next time… PEACE!

[@mikeguaderrama311]

My wife and I prepare all our lunches on Sundays and put them in the freezer. This week it's burritos, we save 43% of our income.

[@missbehelpful]

Nice! Packing lunch made one of the most dramatic differences to my budget! Thanks for watching and commenting!

[@ShadowNymph2010]

Grocery shop one day later every week. This means no food waste, and you can get creative with leftovers. Doing this means that every 7 weeks of the year, you save yourself one grocery bill.

[@TheElysian7]

Great tip! I'll definitely do this

[@Rosannasfriend]

Interesting.

[@samanthan5857]

I currently live off half of my income as well. I have 3 months worth of my expenses in my savings. Goal is to have 6 months in my savings for 2017

[@missbehelpful]

Yesss!!! Go off, girl! That's amazing and a really smart goal! Thanks for watching and commenting!

[@Dimz30]

Samantha N you have the right idea please tell me ur tricks.

[@supremevision631]

Samantha N have you reached your goal?

[@samanthan5857]

SupremeVision recently had to move out of my parents but getting back on track with my savings for this year I also obtained a better job better pay

[@123tube456]

How did you do? Were you able to keep up?

[@allison-kayruddock3855]

I love everything she offered but I RE-FU-SE to go back to living with people since graduating college. Not even my best of friends! I love having my own space. And that is an expense I’ll have to keep

[@missbehelpful]

If you live somewhere that this is affordable for you, then do it. I had to make the sacrifice so I could get out of debt faster! Thanks for watching and commenting!

[@zaheedhasib]

"water tastes boring", #Firstworldproblems.

[@missbehelpful]

Truuuue

[@pawsnotclaws2772]

Md. Islam I love water

[@memeetto]

Thanks for the tips. what I do to cut a bit of our electric bill is to not use the heat to dry the dishes in the dishwasher. I run it at night, but not every night, and in the morning I open the door a bit and let it dry on its own. I also use a drying rack for the small loads of laundry.

[@missbehelpful]

Smart!

[@heftyalan1152]

May Ebbeni I was my plates by hand and saves even more. Never have a dishwasher as too costly to run

[@gok5743]

Hefty Alan A dishwasher saves more money than washing your dishes on your own.

[@pawsnotclaws2772]

i wash my dishes by hand too. I just turn off the water while I’m washing them then rinse.

[@platano214]

I changed my eating habits by eating mostly fruits and veggies, rice beans lentils seeds and nuts etc... A lot of water... I am sort of a vegetarian but aim to go Vegan. I have no car so my transportation costs are minimal with city transit. As for entertainment, even though Netflix is decent in cost, I just WiFi everything and use KZbin and read a book. Avoid gym memberships by using the city (Also a native New Yorker) as my gym and avoid going to bars, restaurants etc for the time being. Every month I find myself saving $200+ on these things, oh and as a guy having a friend who doubles as a barber helps out a lot with barber fees lol...

[@missbehelpful]

Same! Maybe I'll post my meal planning Sunday soon! Thanks for watching and commenting!

[@wendymaree]

Living with 2 room mates? Auugghhh! I'd rather spend vast amounts and have my own space. The worst time of my life was living in share accommodation when in my twenties. No privacy and no peace. Luckily, I now have my own home.

[@missbehelpful]

True!

[@TheCreoleSon89]

I love your accent. I feel the Spanish. Solid advice to cut your spending downsize living expenses etc.

[@missbehelpful]

Thanks for watching and commenting!

[@kathleenbrowne198]

some of the way I save is my change, when I get a $5 back as change I save it. so far for the month of January I saved $115

[@quetta561]

kathleen browne i save all my dollar bills and 5 dollar bills it's worth the sacrifice

[@nateg0140]

Saving half of your income seems like a lot of money to save, but it's really not that difficult. I only make $28k a year and I'm able to save half of my income fairly easily. I first do it by reducing the amount of taxes I pay so my net pay is higher. I max out my IRA and have a side business that I write off all my expenses such as mileage, internet, phone, ect so that my income is low enough that I qualify for the maximum retirement savings credit. My monthly net pay is $350 more per month because I claim 10 and don't have to pay taxes. I also live in a studio apt where my monthly rent is only $400, I don't have a car payment, I drive a hybrid that saves on gas, I plan my meals and only buy the food that I need, and I don't have a smart phone. I still live a life and do fun things like going out to eat, going to movies, and having fun with my hobbies, but I budget my spending and am smart with my money.

[@taoist32]

Nate G01 sounds a bit boring but if you like that lifestyle, that's fine. Why not create more income in your side business so it equals the amount you make in your job? That way, all you need is your business which has potential to make even more money. Why settle for less? Learn how to get more tax deductions as your business grows.

[@nateg0140]

Yeah I thought about that, but I am very limited to the clients that I can reach with my side business because I have a non-compete agreement with my employer. I know I'm not getting paid what I deserve, so I will consider something different within the next year. Maybe I can find an opportunity that will give me the best of both worlds, a higher paying job with more flexibility to grow my side business. I know I shouldn't settle for less, but I wanted to make a point that you don't need make a lot of money to save and build wealth.

[@heftyalan1152]

taoist40 Definitely not boring and sounds very interesting.

[@tange-lq5jg]

Nate G01 do digital marketing

[@pawsnotclaws2772]

Nate G01 awesome!!

[@abdulassad7837]

i save 100% of my income by having my dad pay for everything.

[@missbehelpful]

Well aren't you LUCKY!!!??

[@LalasKitchenCo]

Lol

[@alchemy1]

You got me on that one.

[@OfficialMindStone]

same here

[@safiyya9173]

Lol! Very Funny.

[@SimpleFull]

Awesome! It is so smart to live on less than you make, might as well save all you can while you can! You go girl!!!

[@missbehelpful]

Yes! Thanks :)

[@Silmerano]

There are things you can do to save money that a lot of people don't think about. One thing you can do is stop buying napkins and paper towels. Just use a regular towel and wash it. Also when it's a warm day hang your clothes up instead of drying them. Try to use the bathroom at work instead of at home that way you are using their toilet paper. When you have to buy clothes go to the thrift store. If you drive make sure your tires are properly inflated at all times. For two PSI of air pressure under the recommended level in your tires, you lose 1% on your gas mileage. That adds up over time, and there are lot of places where you can fill them for free. Or invest in a small air compressor. Cut your own hair or have a frugal friend do it for you in exchange for you doing theirs. If you aren't using a electrical device unplug it. Many devices still draw power even when turned off if they are plugged in. That should get you started now use your brain and the internet and find more ways to cut. You don't even really have to give up much to save just be proactive about it and think about what you are doing.

[@missbehelpful]

VERY true! Thanks for sharing this!!

[@Blackcat95]

Hi, I live in NYC as well. A good tip for saving money is to not shop fresh direct. Find a really good super market near you with sales. I live 4-5 subway stops from a fantastic shoprite. I go once a week for groceries and ONLY buy the sale items. I plan my meals around the sale. I just looked at fresh direct and eggs are 3.50 the cheapest for a dozen. At shoprite I've seen the price range from 99 cents to $2 for 18 eggs! Also you don't need to shop for 2-3 hours. I pull up the sale flier online, their sales change weekly and make a list of the sale items I need so I don't walk around excessively when I get there. Also they give you next weeks flier I believe on wednesday. So I can see what goes on sale next week and forgo it this week if its not on sale this week. Hope this was helpful. Most online grocery deliveries have inflated prices for groceries. My parents are both immigrants and I grew up very very poor. So I love saving!

[@missbehelpful]

This was when Freshdirect was fairly new tbh. I have since stopped using their services. Good points! Thanks for watching and commenting!

[@victoriouspauper8495]

There is just something about a SMART and BEAUTIFUL woman ........... WOWZER !!!!!!

[@dylanberroa5574]

get a job early. I need to be 14 to work at this place in florida so when i turn 14 which is in a couple months I will begin working and I will have a checking account and savings account and sense I'm a kid there's nothing really I have to pay for so what I plan on doing is cutting my check directly in half and put it into both accounts, whenever my checking has enough in my opinion I'll put through rest into savings unless I need it.

[@taoist32]

Dylan Berroa good for you. The only thing is what are you saving for? Have goals you are saving money for. Since you are living at home you don't need to save for six months living expenses or an emergency fund like most adults.

[@missbehelpful]

True, but it's not a bad idea to just have a big goal for your emergency fund, like 2k in a year etc. Nice work, Dylan! I'm impressed!

[@mickyunit]

Dylan Berroa Great work!!! Start a Roth as soon as you can!!

[@jazminqua77]

I pick up all the change I find and use it.

[@neha7493]

jazminqua77 I do that and half my jar is full. I've got upwards of $50!

[@tange-lq5jg]

Nina L. hate change I throw about twenty quid a week on my desk in the room it be there for a rainy day

[@safiyya9173]

Yes, I completely agree. It is possible.Thanks for the helpful tips. Especially the one about not buying take out and eating at restaurants as much. I never had a lot money because of that one bad habit. Now I eat PB and J sandwiches, prepare food at home and am able to save money now.

[@missbehelpful]

Girl - that's the hardest habit to kick! UGH!

[@tasy4229]

Normal situation for young people in Germany: Half of your income is already your rent. Can't save much, huh?

[@missbehelpful]

It's like that in NY too! That's why I have roommates! It's tough. Thanks for watching and commenting!

[@suzukibejby]

TasyX I know what you mean 😓 atleast German income is way more then an income in Czech 😬 my sister who works in Germany has a 70% more income than we, and we work the same type of job and I work more hours ☹️

[@tasy4229]

True, there are some serious issues with the income in different parts of Europe/the world :(

[@khiburgess5848]

You think New York is expensive try London it's ridiculous.

[@heftyalan1152]

Khi Burgess Top tip get out and commute in. I have friends that halved their rent by moving 30 miles but many Londoners think the M25 is a force field they can not travel through. Although London is expensive I know even more stupidly expensive places as I worked for a company with a Hong Kong office for a while and ouch but much more attractive than London which is stupidly expensive and awful place to live.

[@khiburgess5848]

Hefty Alan I don't live there but know it to be expensive hence I don't live there, I could live cheaper in NYC than London crazy expensive.

[@heftyalan1152]

Khi Burgess Indeed but I guarantee London will not even make the Top 10 when compared with the world. At 300k for a garage no doubting it is silly money but compared with Hong Kong, Sydney and Vancouver it is not so just shows what those other places are like. Maybe 500k for a garage I don't know.

[@TheModernInvestor]

Khi Burgess prices in London are out of control !!!!!

[@heftyalan1152]

The Modern Investor I concur in comparison to income especially but the standard of living is still much lower than Hong Kong and even parts of Australia and because of Chinese money Vancouver. £300k for a garage though definitely says something is rotten in the heart of London.

[@fortheloveofgrey6045]

We don't have cable (outrageously expensive so we use an antenna) but pay for internet, Netflix, and Hulu. We rarely eat at expensive restaurants but if we do (for special occasions) we go at lunch time when the prices are cheaper and of course only drink water ( who wants to spend $3 for a Coke??); or use a coupon at fast food places.

[@missbehelpful]

True - I don't drink coke no matter how much it costs - shoot it could be free and i won't drink it hahaha I stopped drinking soda a long time ago! Thanks for watching and commenting!

[@DonteeWeaver]

Tip: Pay Yourself First! I might do a video about this later but it's easier to save a specific amount if you take it out of your paycheck before you do anything else. If anyone decides to try it let me know.

[@missbehelpful]

I always do this! The day I get paid my bank automatically transfers money to my retirement account and my investment account. Thanks for watching and commenting!

[@heftyalan1152]

Dontee Weaver That is good if you are not disciplined so not for me but many will find it useful so you should do it. Given a std Devi of plus or minus 5% my food bill walking is free and everything else is set via direct debit and is fixed so I always know what my bank balance is allowing for a few percentage points for treats such as special offers. Definitely recommend fixed outgoings and walk to the supermarket so you buy much less.

[@catchingmybreath]

Love this! Eating plant-based and vegan has helped me saved soooo much money + it feels so good to eat vegan knowing no animals has to die for my food! Thank you so much for the video!

[@missbehelpful]

You're welcome! Thanks for watching and commenting!

[@RockyLuvsJonghyun]

1) Cut rent in half by living with roommates. 2) Cut down the amount of groceries each month by almost $200 3) Stop eating at restaurants 4) pack lunch everyday 5)Only drink water and wine (unless someone else is paying😏😏😏) TBC on her part two

[@Debmun]

Great video. I'm already doing some of these saving tips but I live in Texas and you need a car so as much as I like to save and I'm frugal I decided to put my savings on hold and get my car paid off which will be February 2019. Once the car is paid off I can start saving again and will be able to save much more.

[@missbehelpful]

Awesome! Be aggressive with those car payments!! Haha!

[@user-rm1lm3rt7e]

It may seem trashy but I love boxed wine and it's pretty cheap for the amount you get

[@heftyalan1152]

anastasia moore I like to save but draw the line at boxed wine. A man has to draw the line somewhere and that is the line for me.

[@EvangelistRBColbert]

You are a beautiful lady!!! I saved by dropping cable, left expensive Verizon and joined Tmobile and stopped buying bottled water. I bought a Roku box for TV and a Brita pitcher for water. Plus by joining Tmobile, my Netflix is free.

[@missbehelpful]

Awesome! Tell me more about this free netflix tho?!? lol

[@LindsAyWithAttitude]

you can only do this if you make decent money. if u make under 20k then you cannot save anything.

[@tange-lq5jg]

LindsAy with Attitude you can if you live in a place that less costly some live in places that they shouldn't not saying you do but it's a big world move for few years save up an be comfortable

[@missbehelpful]

That depends! If you read some of MrMoneyMustache blog - there's examples of how to do it no matter what your income is! But you have a point that it is definitely harder to do it with less money. Thanks for watching and commenting!

[@jc3858]

Yes you can save. That's an excuse. You can save 100 bucks a month.

[@ikonora]

Well, that website to buy groceries doesn't work for south florida residents. :( I spend $120 to $200 on groceries every week (it lasts only 1 week), haha.

[@missbehelpful]

Yeah that's only for some states, but honestly look into some options you have. The trick is to buy ingredients in bulk and pre-prepare all of your meals! Thanks for watching and commenting!

[@andrewe.7907]

Set up sweep accounts. Have the money auto pulled into savings buckets. That way you don't even have to think about it and it adds up. I have mine set for weekly pulls b/c I always want to know where I'm at.

[@missbehelpful]

True! Thanks for watching and commenting!

[@digitalincometactics9858]

I save on clothes at home and wear the same pants, being a professional cook I never go out to eat and save there too! anything is possible love your channel thank you!

[@reneecampbell4276]

Good tips! I save grocery money by meal planning for 2 weeks and shopping once

[@missbehelpful]

Yup same! I meal prep weekly on Sundays

[@andrewlancour1626]

College budget for myself (unsupported) #BTFU . I make it through the week on only $100 (rent and food). To save on those pesky diet cokes I started buying the snapple tea packets from walmart for $1 (six packets). I don't have a cell phone bill cause I bought an iPod Touch and use free messaging apps (nextplus). I don't know how my friends can run out of money. I like your video; common sense that isn't so common, eh?

[@missbehelpful]

+Andrew Lancour Def! Now, when your college day are over - the trick is to act like you're still on that college budget and SAVE the rest! THAT'S the difficult part!

[@karimabellydancer]

When lemons are on sale, I buy more and I wash them, cut them and freeze them. I live in NYC 2. Great vid

[@missbehelpful]

Smart!

[@christinedavis5813]

I save by using nappy inserts in cotton towelling for babies usually, that I can wash as I have slight urine intolerance a lot cheaper than disposable pads, I Must of saved quite a few pounds over the last ten years I also disinfect/sterile my tooth pick brushes for between my teeth and reuse more than once I also make my own mouthwash with distilled water and essential oils like spearmint or peppermint oil and tea tree oil a few drops of each in a medium brown glass bottle it lasts ages I just make up a new bottle every few days and the little bottles of the oils last for over a year or more, and stopped my gums bleeding in a few days when I first started using the oils and it is a lot cheaper than the ones you buy for gum decease in the shops my dentist was impressed with my teeth and gums this last visit

[@joonchang-i8x]

frugal women are so hot

[@pawsnotclaws2772]

Joon Chang lol

[@3layerzdeep]

I just came across ur channel..& I had 2 sub by the time I finished watching the 1st video on budgeting..this has been such a struggle of mine..& I tend 2 fall into depression & all sorts of other emotions that creep up..I adore the whole concept & want 2 b in complete Control of my finances...but every time I try 2 save. .I always feel like I need 2 dip into it 4 1 reason. or another. .it really aggravates me..& I feel like I'm stuck in this hamster wheel & always fail 2 succeed..thank u 4 ur videos & wish u sooo much success. .I'm so over the way my finances look & I'm desperate 4 a saviour of sum sort 2 help me figure this out..

[@missbehelpful]

+3layerzdeep Thanks for commenting! This is one of those things that you really have to keep working at! Like fitness, it does not happen overnight - but it really is a mentality and a lifestyle. E-mail me to my gmail account and we can chat more about ways to help you stick to your savings goals!

[@victoriouspauper8495]

+bob bot ........... dude....... at least have some class !!

[@KristinaNaylor]

I'm a foodie too, and I've found cooking meals with friends can be better than eating out. Oftentimes, ingredients are fresher and meals are healthier. With the right recipes, cooking at home can become fine dining!

[@indiaxlovee]

Drinking water is prob why your skin is so perfect

[@missbehelpful]

Aw thanks!

[@MichaelSmith-gd4gv]

I drink only water and I have seborrheic dermatitis...

[@billable1861]

Michael Smith that hot Michael lmao

[@cinnawhat8797]

I drink nothing but water and my face is shit lol

[@LuisAndAbout]

"How do you eat woman"- LOL love it

[@natashasterling1292]

first time watching your channel... love the fact that promoting saving. it's a habit most of us aren't taught to do nor practice... after saving though are you investing as well? if yes, would you share these strategies as well? love the way you articulate yourself. You seem very down to earth and to the point... keep up the good work. Thanks

[@missbehelpful]

Yes! Check out my ROTH IRA video. That's where I put almost $500 a month and the rest goes into Index funds in the stock market! Thanks for watching and commenting!

[@TheModernInvestor]

One if the best ways to save money is to even just use things that are FREE online, so many ways to learn things for free, and even to get food and stuff that you use everyday for free.

[@btodman6895]

Great tips. I go to the supermarket, but two fold...I use the flyer and stock up only on the items that are on sale that I use regularly..20-40$ for a three to four month supply ..second I walk, fairly fast...most time it takes 30 minutes..Now lets see how much I can save....

[@missbehelpful]

Smart. Good luck!

[@BoriPR82]

I live in NYC too, the rent is killer. I make 6 figures but I still feel like the rent is too damn high lol.

[@missbehelpful]

+Da Truth sets free TRUTH!!

[@blissful5281]

Ain't that da truth! It's ridiculous

[@valeriemegan03]

I just subscribed to you & I love all these tips. I stopped going to Starbucks with my husband & we were gifted a espresso machine for Christmas & so that helps a lot also no more pizza we make it homemade & also I way to save I'm addicted to make up & skin care so I have two subscription boxes that cater to that and I stay away from sephora and ulta ! plus a long with everything you're doing we do as well ! nice good job

[@valeriemegan03]

also my husband gets work for points if coworkers praise him for job well done he gets point which then can be returned as a movie ticket !!!

[@missbehelpful]

Oh nice!

[@missbehelpful]

Thanks for watching and commenting!

[@dboger2010]

Great stuff Yanely! Really good tips. Keep up the good work!

[@missbehelpful]

Thanks for the comment!

[@ShotbyLucasFilms]

Love you & the videos. Please keep them coming! Im cleaning my room listening to you, so I guess ill sub :)

[@missbehelpful]

+ShotbyLucasFilms Haha! Thanks! Much Appreciated :)

[@fender1000100]

+exec9292 Yes meat is expensive. I basically live on Black gram A very nutritious asian lentil. And this saved me over a 2000 a year just on food.

[@pawsnotclaws2772]

PROJECT DX right!! I’m vegetarian and don’t like meat much anyway. I eat lentils all the time

[@rmnbnz]

One major way I've learned to save money is to round up to the nearest dollar on every purchase when balancing money.

[@msapril68]

Living here in Hawaii is pretty expensive but I've learned a lot from you

[@missbehelpful]

Awesome!

[@azahm.s4321]

How I wish I have mind like yours. I always said to myself need to save money and be more selfie.. then families/friends come to borrow money. That put an end to my goal. I always put others first and now I am diagnosed with MS, need to rethink of my priorities :(

[@missbehelpful]

Tell your family and friends the truth. Say "No" in a kind way and explain that you are prioritizing your health right now. It is so important! This is something that I have struggled with so much too! Hope things get better for you, Azah!

[@AlexisMaria]

You are so pretty ! Omg #3 is the hardest for me especially living in NYC! Will try this :) x

[@missbehelpful]

Thanks hon!

[@Deepakkumarmintoo]

Hey I seen your video, i am the first time users uses the credit card. so for me its very Helpful for me. Thank you MissBeHelpful

[@missbehelpful]

+Deepak kumar You are very welcome! I hope it helps you as you get started in establishing your credit reputation!

[@taunyamorson-peuplie6370]

would love even more specifics if you have them I like the thrill of the save to and I have a very limited budget and would like to stop having a very limited budget

[@missbehelpful]

Thanks for watching and commenting!

[@spf_500]

if I were more outgoing ( I live in Brooklyn too) I would def become a roommate. it would be so uncomfortable for me now though..i have to cut those costs other ways!! I wouldn't mind trying FD..i spend a SHIT TON of money on food :( im working on it now though..i loooove to eat out though.

[@missbehelpful]

LOL I get that! Food was always my weakness!

[@alejandrojoga6885]

damn girl just discovered your channel tu eres el colmo de ayudar la gente!!!

[@freedominabudget]

Awesome tips!!

[@missbehelpful]

Thanks for watching and commenting!

[@tange-lq5jg]

I can get 21 meals for seventy Euro a week all done up correct amount of serving for my weight calories etc delivered once a month which ain't to bad would prob cost more to actually buy in the shop plus I'd av to prep an cook it even though I wouldn't mind having to do that.

[@jacobeloe1582]

good idea but not enough, 1. cycling rather then walk 2. buy what you need on ebay is cheapar all unbranded things 3. you can save electricity atleast 50% using candles and led bulp whole house 4. buy all flights atleast 1 or 3 month earlier online 5. no credit cards only once a month hanging out 6. holidays once a year only 7. haircut once a year try to earn more as well 1. more then 1 job 2. long hours shift atleast up to 70 hours per week 3. work from home is alot of jobs available online 4. online business from home is not enough 1 you need more

[@rthelionheart]

True, New York City is a rather expensive place to live in the US. Comparing it with Zurich or Tokyo however, NYC is way more affordable.

[@missbehelpful]

True! Thanks for watching and commenting!

[@heftyalan1152]

rthelionheart Hong Kong without doubt. New York would not even get in the Top Ten and neither would London. Antipodean countries are seriously expensive and they would as would LA.

[@MzVan21]

new York is very high...I live in Cleveland and I have a 2 bedroom apartment and only pay 475 and it's in the suburbs.so yes I'm able to save money from every check which is great.i don't like the whole roommate thing tho.but I guess I. nyc that's damn near a must lol.anyways great tips!

[@missbehelpful]

+MzVan21 That is CRAZY! Thanks for watching!

[@JasonCWaite]

Every time I get a check or money, I ALWAYS split it in half. I try to balance it around by investing vs. just "saving." So I'll invest in stocks (shorting stocks @ the moment), cryptocurrencies, physical metals, physical metal currencies like nickels, & am now looking for cheap international land w/onsight water to invest in.. Just as a hedge against the zombie apocolapse lol.. & don't think that's expensive. You'd be suprised what you can get for as little as $2,000 dollars lol. But yeah. I'm more into investing 1/2 of ALL my $ vs. just saving. But saving is def key. & oh.. I like investment w/cashflow that pay you, while holding their value, and hopefully also later giving you more leverage w/opm or free money ie. good debt/loans from banks buying more assets. I still having figured out the infinite returns strategies though. Loving these videos. Jason from Dallas. :)

[@missbehelpful]

+Jason C. Sounds like you're on the right track! I think depending on your age, the best return over time can be the safe investments made like Roth IRA's. Thanks for watching!

[@em3477]

Nice video. Btw, did u think about buying a house and rent rooms to your friends . That way u build equity.

[@missbehelpful]

Yes - in the future! Def. Thanks for watching and commenting!

[@TheGrimPhreaker]

Ugh I like in NYC too! I have a studio apartment and it's 950 and electricity, then I have cable/internet, it's a real hassle. I am hoping to move into a nice apartment with roommates soon.

[@missbehelpful]

That isn't so bad for NYC honestly. But I recommend cutting cable and using Netflix. Way cheaper! Thanks for sharing!

[@heftyalan1152]

MissBeHelpful Definitely and I don't have either or Sky

[@CodiTheJedi]

Food is the hardest thing for me to save on. I've been averaging about 500-700 a month for only 2 adults!

[@doloresgonzalez6961]

Are you meal planning and making a list? That's key! Today we went to the grocery store without a list and spent $122 vs my normal $50/week for a family of 4.

[@missbehelpful]

Yeah - This was the hardest part for me too! Then I started reading about health and how other cultures view food. I learned that we only need a plant-based diet for survival and am trying to cut down on meat which helps me save a lot! Also learned that other cultures do not eat nearly as much or as often as we do, so I cut down portions and now I also consume less and that helps me save a lot too! Hope this helps a little! Thanks for commenting!

[@missbehelpful]

This is SO true! I don't go to the supermarket anymore, but i have a budget for food and when I order my weekly groceries it is always the exact same ingredients and usually ends up costing the exact same amount every week.

[@CodiTheJedi]

Thank you for the comment. As a Weight lifter I find it hard to eat less as i need more calories to continue getting stronger. But I definitely could cut the budget down to 400 or less if i quit eating out.

[@pammmeee9055]

I have a certain amount of money automatically deposited into my savings account each payday by the bank.

[@missbehelpful]

SMART! Pay yourself first!

[@pammmeee9055]

It's not half my paycheck though! One day!

[@Yousrittahanem]

You are stunningly beautiful! :)

[@TWDxKILL3R]

ModelDoctor .... makeup will do that.... get off the pedestal, dude

[@SamSam-ph5uj]

TWDxKILL3R I am not a dude! She is naturally beautiful so stop acting like a jealous troll on here. I addressed my comment to her not to you so mind your own business bitch.

[@Adam96616]

She says she drinks a ton of water so yeah, that does play a factor.

[@jc3858]

100%

[@user-zq4ec5xp7t]

@@TWDxKILL3R You're*

[@aleksandrasidel5412]

Hey girl, I'm from NYC as well. Honestly, I feel you may be overspending with FD. It is high quality, but very expensive. Try Aldi, bargains like no one else

[@missbehelpful]

Ooh. Never heard of Aldi! I'll look it up - Thanks! I stopped using FD since I posted this video a few years ago, but I still get food delivered, so thank you!

[@aleksandrasidel5412]

I am in bk, so there are 2 locations of Aldi. Which service do you use now?

[@missbehelpful]

Instacart!

[@samechickdifferentday6593]

Great info! I do personal finance videos also so I am glade I found you!

[@missbehelpful]

Thanks for watching and commenting!

[@jamericanrebel]

MissBeHelpful u

[@mellewis4295]

I’m new to ur channel.. but so far I really like ur videos, thank you

[@missbehelpful]

You're welcome! Thanks for watching and commenting!

[@4Realkevv]

Good luck with the irs make sure u have everything back up ur income especially if its in bank account !!!

[@grownupgoth]

These are all really useful tips, thank you!

[@missbehelpful]

You're welcome! Glad it was helpful!

[@mrmoldremoval]

cridet is important to learn

[@GODSCHILDOFTRUTH]

Just ran into your videos, I have only seen 3. I appreciate your information on the credit cards. I've never had one so I really appreciated it. Im still doing my research before applying for one. Thank you! Hey have you thought of doing a video regarding good apps to use for anything. (I noticed you mention different ones in your videos)

[@missbehelpful]

Great idea! Adding it to my list!

[@iresine31]

can you make meal prep and grocery budgeting videos? Food is still my biggest expense!!

[@missbehelpful]

Totally - I love this idea! Only thing is that I am a very big health and long life nut, so I eat minimally and very healthy. My meals now costs me $3-5 each.

[@papermason]

I almost never eat out but when I do it's a big treat. I don't order booze or dessert anymore, but I do give a bit more tip to the wait staff. I used to be a professional cook in a world class resort, so I can do just about anything that a chef in a fancy restaurant can do, so cooking is a breeze. Watch some cooking videos etc to learn the tips and tricks of the trade, you can save tons of money cooking from scratch.

[@missbehelpful]

Agreed! Thanks for watching and commenting!

[@Kandisssssssss]

I feel like this whole video was promoting that food website which helps with YOUR income for sure. 🤷🏻‍♀️

[@kathleendunton241]

wow. I live in Brooklyn NY.

[@Kukamad]

It sounds hard but it really isn’t.. it’s just about how disciplined you are and no you don’t have to have a roommate or live with your parents..

[@platinumstudiosentertainment]

Your video's are absolutely amazing, can you do a Canadian video.? All the app's mentioned are for the USA only. Touch base please

[@missbehelpful]

Hmm I am based in NYC so Canadian apps are not something I'm familiar with - sorry!

[@springinfall6818]

Very inspiring.

[@missbehelpful]

Thanks for watching and commenting!

[@thevlogsofdab8630]

Awesome advice, love your videos!

[@missbehelpful]

Thanks for watching and commenting!

[@kikianasahmad2328]

It depends what you do for a living as well. That matters Yuge as well.

[@missbehelpful]

Sure does!

[@heftyalan1152]

Kiki Anas Ahmad Definitely the key is in your top line turnover and that leads to big margins

[@tinacamara8334]

Killing this thing called life.😆

[@eddie51arz]

Are you Hispanic? Me encanta que la comminidad hispana esta avansando! Great tips btw; liked & subscribed.

[@methodunknownthemethodclon9253]

Saving money is easy for me. I'm excited to see what your points are here!

[@gavinclark9755]

That was really helpful thanks for the advice

[@onairwitherika4644]

Great tips, thank you!

[@missbehelpful]

Thanks for watching and commenting!

[@LyndsieBarrie]

Fantastic video. Very helpful and practical. Keep up the good work #missbehelpful :) :)

[@missbehelpful]

Thanks for watching and commenting!

[@angelbright192]

Along these same lines, check out the ebook "How To Give Yourself A Raise In Seven Days."

[@missbehelpful]

Will check it out!

[@AbigailRandall91]

Loved this!

[@missbehelpful]

Thanks!

[@vsonic86]

how about how I save 90% of my income? Work with 2 jobs and doing 6 days a week!

[@missbehelpful]

Thanks for the comment :)

[@jamaicanewsunit]

Wonderful tips!

[@missbehelpful]

Thanks!

[@BonnetClaw]

Love this!

[@missbehelpful]

Thanks for watching and commenting!

[@anamontana1594]

What are you saving for? I have a roommate to save on my rent, but its really not an exciting part. I actually hate it so much that I am considering getting my own place

[@missbehelpful]

I want to retire early. I don't want to work for other people the rest of my life. Yeah the roommate thing only works when you have roommates that you like and can live with well.

[@FreckleFinance]

We are also saving 50% of our after tax income!

[@missbehelpful]

Nice! Thanks for watching and commenting!

[@annjean4369]

Great video! Thanks for sharing.

[@missbehelpful]

Thanks for watching!

[@enlighteninggoddess8900]

thank you i will try these tips

[@missbehelpful]

You're welcome!

[@realestateking5219]

your nice to look at