How to Save $500 a Month with a LOW INCOME

[@grahamstewart615]

Nicole is trying to help the poor financially and mentally. Respect.

[@astyanax905]

Yeah, she's a legit decent person it seems. Obviously she's making a few bucks off KZbin, but her advice is almost always sound

[@grahamstewart615]

@astyanax905 and yes i would 😀

[@johnnyboyvan]

I have $500 a month automatically removed towards a TFSA. I don't make that much money as a retiree, but I am able to do that. 😊

[@maryjones1]

I like how you point out that breaking down the $500, into $17 a day may seem more doable. Psychologically, it made it feel much easier to accomplish for me. Great tip!

[@AccordingtoNicole]

You can do it!

[@harvardfacebook7372]

As a 56 year old man, I am sick and tired of meeting false people on the internet. I hope that Nicole is not one of them👍.

[@lindagutierrez5409]

I cancelled Amazon prime today, because of poor packaging of my purchases. I was spending 800 a month extra on stuff I didn’t need.

[@JournalAsYouWishStacyCarpenter]

Things my friends and I do as single moms to save money: Trade services: example; I do cut and colour on a friend and she does my taxes Babysit: take turns watching each others kids instead of paying a sitter to get your errands done Pot luck party with your friends and everyone bring containers to share leftovers after Books, toys, clothes swap

[@Vinnie16920]

Great tips on trading services

[@iqraayasmin3939]

love that! even those who aren't single mums can learn from this and save money

[@TheTiayahi]

These are fantastic ideas!

[@TheTiayahi]

Libraries are a great place for FREE entertainment and learning. Free books, movies, activities, and lectures. Some libraries have quiet study rooms that can be used.

[@timisaac8121]

Darling, please re consider on taxes. To decline professional service, it means you "leave money on the table". It is far too expensive to consider doing this. For example, did you get the Saver's Credit in 2023? Ask the nice lady what the dollars are? Is your business a hobby or actual business? If it is an actual business, can you use Form 8829? Oh, you can? Does it help you by reducing tax? Believe me, over time, you can improve but not by someone trading for cuts and color.

[@isotope73]

Mental illness and "disabilities" like the autism spectrum made it so that I was in such day to day/week to week survival mode, that to put the brain power towards these great ideas was INCREDIBLY stressful and overwhelming. But I finally, at age 50 (with a degree in chemistry) have a decent paying job ($20.80, that's good, right?) and things are a bit easier. So I DID cut out the subscriptions. I'm actually going to swap my 2009 4x4 Nissan pathfinder (it was my dream vehicle) that I had in Arizona because driving off into the middle of the desert was my thing!!♡♡♡ idk know how, yet but I'll figure it out... anyway, swap it out for a fuel efficient sedan. Hey, all my dreams have died, so why not this one too?? lmfao. I paid $7000 cash with a life insurance policy I suddenly got... I had to gtfo of Arizona in 2022 and am now in Missouri- Kansas city, and my dream of driving down awe-inspiring dirt roads is gone. I'm actually pissed! Can you believe, Nicole... that In Missouri, i accomplished (by myself) in about 5 months what I could never do in 10 yrs in Arizona?! Wtf? And I only have about 30 more years to be alive. It'd be nice to have done something instead of just surviving.

[@monicalozano9460]

Girl, thank you so much for saying “pause this video and cancel those memberships you don’t use”. I’ve been putting off cancelling 2 bogus memberships and hearing you say this made me do it! It took literally 5 mins and will save me at least $20/month. Thank you!!

[@Just_me_1974]

That $35 Amazon cart thing is how I get free shipping. 💰

[@maybebearable6910]

My addictions stop me. Smoaking and drinking. But I plan to get a less stressful job and quit or merely use them way less to save more. Your vids are so inspiring and well made. Thank you for your contributions

[@gretaroundtheworld]

Your videos keep getting better and better!

[@AccordingtoNicole]

I appreciate that!

[@EsmeraldaWolfsbane7777]

Yeah they are great 💙

[@FrancisN155]

This was honestly way better than money saving tips videos from big finance channels. Thank you!

[@AccordingtoNicole]

Glad it was helpful!

[@esterdrass4964]

The breaking it down into small numbers is great. It makes it seem possible rather than big numbers that seem so unreachable. I am sort of becoming obsessed with these videos to help me keep this modest spending going. Between these videos and the Ramsey show, I am realizing I don't need what I want most of the time. I am loving going to a store to buy something and only leave with that something, this is hard for me at a grocery store but I managed that yesterday. I always find myself wandering around and then buying stuff I didn't plan on buying and don't actually need.

[@jennyrieras431]

Wow when you put it in the perspective of “that’s a lot of money to be lighting on fire every month” that really resonated with me. My issue is eating out too much. Like @thats a lot of money to be literally flushing down the toliet every month)

[@irinic9546]

Holy smokes! I watch A LOT of videos on this topic and you covered so much in a very organized and concise manner. I like how you don't hold back - for the most part, we are responsible for our situations. I also like your energy and tone - nothing more irritating than an annoying voice! Well done!

[@AccordingtoNicole]

Thanks so much!

[@Vinnie16920]

I just did a minimum spend January. I don’t have mortgage or debt etc but food in the U.K. is so expensive. meal planned around a freezer full of food. Surprising what you can live in. I treat it as a game where it’s me versus the greedy.

[@LV-qr8fr]

Nicole, not to be corny but! You have inspired me to actually make changes in my life more than any other person on this platform. I love how practical your advice is. You just make it seem so doable. Love your whole approach to things and the vibes??? Immaculate ✨

[@ny2phillyholloway592]

There is a high price to pay for convenience for sure. Once you start seeing your money grow it's a great incentive!!

[@joshua.butler]

Great message Nicole. It's definitely a good tip about Amazon Prime! Most of us really DON'T need it. Also really enjoying the b-roll in this video 😍

[@donnathomas8612]

To save on movie subscriptions, I get a free month of Netflix/Hulu once a year and binge on the shows/series I want to see, then cancel before they charge me for the next month.

[@AccordingtoNicole]

Same 🙌🏼🤣

[@AhhhSukeSuke]

Hummm how do you do that? I only got 1 free trial lol

[@erikagracee9365]

Yay new video!!! Been waiting before going to bed. Watching from Philippines 🇵🇭

[@erikagracee9365]

By the way, it's 11pm now in my Country🇵🇭

[@alicec.6195]

I have cut £50/month in subscriptions and I am minding my groceries and avoiding spending on unnecessary items. Just these costs together will save me £135 monthly. In a year, £1620. Money is like calories, if you don't watch out closely, you pile up the kg quickly.

[@AccordingtoNicole]

That’s a great way to look at it.

[@victorbaird8220]

I like how you broke down things by percentage of income

[@lynnoorman2144]

It is the little changes that become routine habits that matter. I regularly pay in cash and empty my purse each week of coins and save them up - this makes a couple of pounds a month! I liked your point that if you have treats all the time, then they cease to be treats. I like real tea (not tea bags) and coffee (not instant) , for example that I make at home. Recently, due to being mega busy, I ran out. Felt very deprived for three days - yet it had got to the point where I didn't realise how delicious it was. Rather than order it and wait a day or two for delivery I actually drove the shop (in another town) to buy some more!

[@terrigossett6575]

Hey Nicole, your channel is new to me but I love your content. I’m hooked watching something of yours almost every day. I’m 64 and have learned more from you than all my life living! Lol! You’re smart, funny and I love your no nonsense approach to everything. Thank you! Keep making your videos! I also love your little buddy!🐶

[@EsmeraldaWolfsbane7777]

I'm doing it thanks to you, you made me think about the fact that I don't need to continue to buy things that I don't even use, I had a hording problem actually and it made me very depressed all did was buy things thinking it would make me feel better it did for a moment then it wore off, I even wanted to buy a classic car a fifty nine Cadillac but friends and family talked me out of it thank Goodness..I don't want to ever do that again because it made my life hell.😓😓😓.Im glad I realized it's okay to not have everything!!😁

[@edswanerbury5859]

I am fairly new to budgeting my money and also downsizing stuff. I wish I would have been open to this years ago. Better late than never, I suppose. With the help of my hubby, I am now on a budget and can see my actual savings. This inspires me to do little money challenges to save even more money. I appreciate your videos and helpful tips... Kris

[@2IGs]

May I add to your list, do not save your address and credit card / debit card info anywhere. Make it so you have to find the card and retype the info for every single online purchase. Also, see if your grocery store has an app with digital sales flyers / coupons. I plan meals around the weekly deals.

[@arthurc1971]

I love your videos. You have the wisdom of a much older person. Your channel has helped me to save money too

[@AWordofHope]

This is timely, I was just trying to figure this out last night❤🙏🏻 I just switched car insurance went from $70/mo to $47/month🙌🏻 big deal for me. No smoking or drinking, but I need to let go of the $5 coffee 😬 but I stopped my prime membership today.

[@karlaschmidt4229]

Just paused the video, cancelled amazon prime, and came back. Thank you!

[@AccordingtoNicole]

Hell yeah 🙌🏼🙌🏼🙌🏼

[@repentbeforeitstoolate..8239]

$15 dollars for Amazon prime , it's 8 pounds in UK.🇬🇧

[@sparky9839]

That’s about $15 cad

[@richardbuki658]

Great video - again! 😊 Heading towards 10.000 subscribers! I remember on 22 December 2022 you had 5.000. In term of percentage it is 100% growth! Very impressive!😊

[@chrissy4782]

Nicole, you could totally do a TED talk and become a famous influencer! Please think about it.

[@judymcpheron5955]

Thanks Michelle. Just want to say Thanks for all the info. I agree with the blunt label you gave to the car ins co. I approached the last company I had several times for a lower price. (I had no accidents/offense: a clean record) Same old song and dance no results. When I decided to go car less, I dropped them with no explanation. It was two policies, renters also. They continued to send me their brochure even now 4 years later. They did me wrong, I didn't owe them an explanation.

[@laceyflake2433]

I don’t have a car now but keep up my driver’s license for $8:00 a month. I have a clean record & would have to go back to zero if I didn’t keep it open.

[@yadirisoneill2822]

Thanks!

[@AccordingtoNicole]

thank YOU!

[@amyjacob2100]

Omg! I canceled my Amazon Prime membership! I don’t even know how many years I’ve had it and they charge my card annually and I don’t realize it until after the charge, yet until now I hadn’t made any effort to cancel it. It is now canceled!!! It feels like a weight lifted off me! I wasn’t even using all the stuff that came with it. Netflix is next. Thanks for these great tips!

[@DeanCallaway-nc2rk]

Your rants are 100% right on the spot. Keep doing what you’re doing and you’ll do better and better as time passes. Keep up the great content and waking people up with your common sense approach.

[@sharonjenkins8388]

I have $125 taken out before I get my paycheck each week so I really don't miss it

[@julialexi3833]

She's actually helped me so much just by watching her video, simple things that might seem so simple that are not so simple are put in more perspective and clarity

[@Leahslittlepatchofparadise]

This is so simple, but so brilliant! It's easy to forget what a massive impact our mindset can have👍

[@cj222100]

One thing about Amazon I noticed too is that it's easy to accidentally sign up for prime. I'm usually very careful about that kind of stuff, but something must've gone wrong & I had to have accidentally clicked something. Fortunately I realized it & canceled immediately, but it made me wonder if anyone else has done the same & didn't realize it in time (or ever).

[@ytchannel1682]

You're putting out the best content Nicole, I'd love to see more videos of you talking about your philosophies!

[@k.h.huntinghouse4690]

Super good advice! Yes, lots of little adjustments we can make each month to get more $ in your pocket. Idea: talk about teaching kids about money with your kids and helping them develop good habits.

[@danklein8587]

I am terrified at not having enough money to survive. That motivates me to save money and life is very good for me financially-:)

[@teresa..469]

I'm the same and if you don't have it you dont spend it haha....common sense!

[@danklein8587]

Common Sense rules in this world that we live in-:)

[@brendaleblanc4088]

This is very true.

[@Mrssupermumm]

Hi Nicole. What I like about your videos is that not only do you give practical tips but you hive mindset tips too. You are very encouraging. Thank you.

[@melissalee333]

Well done! Such good tips and inspiration. Keep it coming.

[@AccordingtoNicole]

Thanks so much!

[@Jessikins777]

So happy your channel is growing! You and Levi deserve it! Much love from AZ 😀

[@lonewhitewolf7772]

I am 52 and wanting to semi retire this year , only work part time, and I am saving about 350 a month at this point for my retirement. Thanks for the ideas.

[@pkersoul]

Overall I'm pretty happy with my budget but. ..Definitely over spending on snacks and fast food. I work alot and my work can be stressful so I think it's due to stress eating and feeling I never have time...😩

[@veganfromvenus]

The budget class we never knew we needed. And we get a great teacher. Thank you!

[@kittyweisman6655]

You are excellent and always entertaining. Such good advice here.

[@rosed6058]

Great video Nicole!

[@joshuamckillen3712]

Keep up the good work!💪💪💪

[@8aemi]

👏👏 great motivation… I like how you go towards the philosophy rather than specific tips 🔥

[@Letstidytogether]

I love these type of videos. This and your minimalism videos are the way to my heart.

[@katherinelangford981]

Just switched my internet plan. Had 1G download speeds. Don't need it. Switched to 360mbps, and was able to add TV for my Dad, we have free over air that often lost signals, and I'm actually paying less per month. Happy I finally did it. I'm going to take the difference and just deposit it monthly to my TFSA acct and get that baby growing even more every month. I'm also possibly moving my business to a location that will cost me $400 less a month. Excited for the possibility of that.

[@emanuel0417]

My voice is on a budget, I’m only saying two words, “excellent video,” thanks so much for posting.

[@LaughterandJesus]

Im transitioning in careers and this advice is inspiring

[@luiszafra3389]

Smashed Like button

[@AccordingtoNicole]

🙌🏼

[@sabinaadamyan4562]

Great video, as always, thanks Nicole! I came across your channel a while ago and I highly respect your lifestyle, character and priorities.

[@ShoestringJane]

Good video. I totally agree with your comments about Prime. It’s far too easy to impulse spend on the internet generally I feel.

[@garegardner6782]

I really like your videos. You provide a ton of info which is very timely for me. Your enthusiasm is contagious, something I need. Thanks

[@trinatrophy85]

My fav part was when Levi was activating his power saving mode! Even he is practicing saving! 🐾

[@EsmeraldaWolfsbane7777]

He's too cute 😄💝💝💝💝

[@tonifrancis6945]

Your Amazon Prime tip resonated with me, but not for the reasons you might think. I live in Australia and work for the Post Office. You’d be amazed how many people say this when they collect their parcels, “I can’t even remember what I bought!”

[@cassie.minimalist]

Wow I live in Europe and it is crazy for me to think that people pay for Amazon Prime if you can have free delivery anyway. In my country we have a different marketplace like Amazon and you have to pay like 10 USD a YEAR to get free delivery but for orders above around 10 USD. Also, you can invite around 8 or 10 people to that so they can have free delivery over 10 USD to and still I know more people who don't have it because they don't need it than people that are. I thought Amazon Prime is something similar. 50 dollars a month? what a waste of money!

[@tracymizerny3894]

Thank you for another great video, Nicole!

[@AccordingtoNicole]

Thanks for watching!

[@Shelliblack]

Your are such a nice lady ^^ I also try to save some money with mini choices like you said. It's also good to put that money aside and maybe learn how to invest so we can get passive income

[@cathydiamond6573]

I agree with cancelling Amazon prime and comparing insurance costs. Also Sam 's club and Costco.

[@trailblazersofwealth6215]

So glad I came across your channel. I am 47 and I wish I had of started differently. I would be in a much better financial situation than I am right now....

[@3813-t5t]

congrats on the 10k. you have a great backlog of videos for us new subs. hard work paying off.

[@susandean8584]

10K!! Congratulations Nicole!

[@AccordingtoNicole]

thank youuuu

[@michaelday3778]

I pay ten pounds a month to my bank; for that, I get travel insurance, free breakdown recovery and mobile phone insurance - all of which I use/have used. Worth it to me.

[@ElliePar421]

We recently combined our house and one car for insurance...PLUS changed providers and saved $1300 a year. I kid you not.

[@denisereneec]

I've been binge watching your videos. You are so young yet have so much wisdom. Love your channel and Levi

[@41yearoldnewdriver]

I think saving $500 a month is a challenge I'm up for. I am attempting to be more frugal. I am 43. I started saving in February of this new year.

[@Saffygoss]

Also may I thankyou for keeping me company on my last flight as I downloaded the whole channel to binge watch my way to turkey !! 😂

[@Xquizit9]

We’re saving 50% on our car and home insurance now. We’re now paying the same amount for the entire year as we used to pay every 6 months with another company. That’s a huge savings!!

[@albertjfleming]

I have been watching your videos and have learned some things. Another way to save money, keep vehicle tires inflated to the proper pressure.

[@donnarakitzis2719]

Terrific video

[@lstokes25]

Thank you so much! I am living on a low income. I am also a single mother of two teenage boys. I have been trying so hard not to spend money that I don’t need to

[@OPCollector]

I get everything ordered from Amazon prime from groceries to essentials. Amazon Prime is 100% worth it. Gas prices are also insane where I live. Considering I sell things on Ebay I know how expensive shipping can get and we're getting 2 day shipping on most items for $15 a month totally worth it. Save a ton of money not having to drive to get what I need.

[@jessicaspencer82917]

I have a written budget and track all my extra spending. This really helps me save more. I look at my budget every morning.

[@reconstructingleslie4597]

Nicole you are wise beyond your years! You give me hope ! Thank you ❤

[@bonnielizarraga7941]

I like your videos cause u explain the info in easy digestible bites I also like the fact you are so authentic I think your channel is great I love your content!

[@marycaswell6894]

Hi, Thank you for sharing your knowledge, suggestions, ideas & facts. You are a very smart young lady. So happy to have found your channel. TFS ✌

[@gloriabass9945]

Thanks to KZbin for pushing her channel in my direction I am paying attention so inspiring young lady ❤️

[@dreablake42]

I absolutely feel the same 😊

[@windyacresway]

I live in small town Canada.The 14.99 i pay per month for Prime is a steal.With very limited stores i do most of my shopping on Amazon including some grocery items.Free shipping plus all the Prime movies,tv shows and documentaries save me almost 150 per month compared to cable tv.Then i get all my news and weather thru my 20 dollar Alexa....

[@mrsm3442]

Thank you very much for posting very informative videos. I truly enjoy them. ♥️ After years of lovely experiences, now I buy NEEDS only. I have always enjoyed a very minimalist style... just didn't know it has a name. Good luck, everyone, in this journey. 🤗 💖 🙏

[@artislumara]

You inspired me so much! I immediately opened my calculations and edited some of the numbers and subscriptions. Thank you!

[@paradiselost9009]

Your dog is sleeping 💤 in the background . Super cute .

[@mak2867]

Very good info. Thank You!

[@CColeman-v1x]

Good video thanks for the information.

[@armandobarbarek]

There are also apps like shopkick, fetch, and ibota to help us see a small return on our purchases. Just don't buy stuff you don't normally buy. Great vid, Nicole!

[@AWordofHope]

I got into fetch last fall and I am challenging myself not to cash In points but to save them up!

[@ilariarigoni6885]

My biggest issue is beauty: haircare,skincare and makeup. It’s my passion and I end up never sticking to the monthly budget. Thank you for this video

[@ammalyrical5646]

What could help here is reflecting on if your budget for this cathegory is actually realistic. Could you shuffle around in you budget and take money from places you don't care much for (like buying alcohol or even certain more expensive food items like meat)? Some hobbies cost more money and that's fine, but make sure you actually create a budget that works. Constantly blowing it just sounds like you were unrealistic with the budget in the first place. What I do is take my savings aways as soon as the money comes in (it's not 500 a month, I don't have that high of an income, but it's a decent enough chunk of change). Then I subtract my bills and other things I need. The rest I spend for fun money. Before I buy I always check if I actually have the money to pay for it without it feeling like my bank account is too empty (which happened recently and it doesn't feel nice, but at least I had money saved in case I would've needed it for stuff like food). It's a simple trick: always check your bank account before you go and buy something (either online or in a store) so you know what's in your account and the max you want to spend on the trip with the idea that you can come back if you really want someting. The whole tip of: while shopping, if you're in doubt about buying something you should wait at least several hours and if you're still thinking about the item you can go back and buy it. It saves you from spending money in the first place. I hope this was clear enough and that you don't me reacting on your comment 4 months later.

[@laurab9518]

I do that. How? I have two bank Accts from two different financial institutions. As soon as I get paid I go to one bank and withdraw a large Amount of paycheck (leaving some for everyday bills). Then I go to the other bank and deposit it into a savings I never touch. This way I have less cash on me for, and more savings for real needs and cannot buy much. And doing this, I am about to become debt free after being over 20k in debt

[@Cheri893]

Money mom talked about your channel. You have such a great perspective as a young person. I'm learning so much.

[@amyjones8613]

I like watch you and Austin Williams. Both are smart and frugal. I need to live with intention.

[@demideridder]

I still live at home and I try to save at least 50% of my income and be very frugal.

[@ElliePar421]

Have you started investing that saved income? If I could go back in time I would do that WAAAAAY sooner.

[@demideridder]

@@ElliePar421 I am trying to save a lot so I can buy a small portion of land. I want to build my own tiny house on that. That’s my plan so far!

[@edwardfitzgerald3877]

I understand your point but I find the idea of saving $17 a day a bit weird, because people don't usually get paid daily or have a daily budget. Normal budgets are weekly, bi-weekly and monthly imo.