How to Stop Overpaying for Five Important Expenses

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In this video we talk about five areas that it’s easy to overspend in and you give ideas for cheaper alternatives - These are ALL tactics which we, personally, have used to lower the cost and still get what we need.
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[@readyornot316]

I started the college conversation with my daughter at age 9. As a single parent, I couldn’t afford to pay her tuition so she planned accordingly. You’re correct-community service is key, as well as participation in a team sport and music (ie band). She got a full ride to a State school, obtained employment from her internship, and that job paid for her masters degree.

[@Jammies944]

Wow 🎉

[@UndertheMedian]

Congrats to you and your daughter. That represents a lot of focus and hard work. Well done!

[@marilynrybak9154]

I have cut back on watching fashion KZbinrs or when I do- I shop my own closest. I found by watching fewer fashion videos I am saving money by not feeling like I need to buy more clothes or shoes.

[@wendyw4023]

You didn't mention Good Rx for a way to save on prescriptions. I had a prescription that would cost me $400 with my Medicare Part D. Good Rx price was $100. It was one of those Rxs with no generic. Good Rx is free and a great way to save on prescriptions.

[@UndertheMedian]

You are absolutely right. Good Rx was on our script and I totally overlooked it and forgot to talk about it until we had produced the video. So, I'm glad you mentioned it. Hopefully folks will see your comment.

[@travelwannabe5392]

I save a lot using Goodrx!

[@ksewald91]

I have severe UC. My treatment Rx is $8000 every 2 months plus getting it by IV. Dr was able to find help from someplace for it as we couldn't afford it. What a blessing! Only pay for copay for getting it administered.

[@Ozarkmountainoutback1]

Our son was diagnosed with diabetes. Those supplies are insane. When we first came home from the hospital our insurance wouldn't pay for anything. I contacted the companies themselves and asked if they had a customer assistance program. They did and were able to help us with substantial coupons. A huge blessing because just the dexcom and pump was 1500 a month😮 thats not including the actual medication.

[@rivasoucie]

Same boat! T1D or 2D?

[@user-wo1en8ip3s]

Used textbooks: When I was in college, they were in demand because they contained notes from the previous user.

[@Revert2017]

How I wish I had done my financial journey while my son was young. What an accomplishment as a family!

[@akronrats]

I overheard a conversation at the dealership last Saturday while I was having my car serviced and a friend who just bought a car told me the same thing. With the availability to research fair market value on vehicles - the dealerships don't really discuss price and make deals anymore. But, your absolutely right about all the little things that can be added.

[@alinamasotti404]

Another benefit of buying used boos, look for one that has a lot of notes in them. The previous owner’s notes helped me out so much when reading and forming papers off of those.

[@brg2743]

You can rent books from college bookstores. You can also buy digital versions cheap from the bookstores too. Keep the receipts so you can return them. Keep them in good shape too. They can mail them to you if you want to order them before classes start. Sometimes professors say wait until the first class before purchasing.

[@feliciaharbach610]

I have asked the pharmacist, the prescription in their system, to transfer it to another pharmacy. I've not had a problem having to go back to the physician to have them do it. Worth a try.

[@bundydata]

I got roof racks for my sedan. They come in handy if you see something along the road. Also if you buy fencing or a mattress you can load avoid delivery.

[@downtoearth1950]

Yes they can save, 🙂 but be aware that at higher speeds they can be noisy and reduce your fuel economy

[@bundydata]

But mostly suburban use. Alot of my book shelves, storage bins and even a metal Italian spaghetti strainer all trash out finds

[@bundydata]

I've found a pottery barn pic nic basket retail $109.00 free I polished and dusted store all electric cords and computer stuff look nice matches shelf. I find a lot, elementary school math book. So forth unwrapped kitchen shelf liner. A heavy duty shelf from church I use as Parsons table outside

[@SassySue67]

The state of Massachusetts doesn’t allow coupon use on prescriptions. Many years ago I sent my husband to pick up a prescription for me, when he got home I asked what the price was, nearly had a heart attack when he told me $250.00 for a thirty day supply. I took the receipt from him as well as the bag (stapled closed) and took it back to the pharmacy. Because the bag had never been opened they gave me my money back. I then went to the neighboring store and purchased two one dollar scratch tickets. Got home scratched the tickets and had won $300.00. Called the doctor and asked for a less expensive prescription, which I got for under $10.00.

[@MelissaCoup]

Can't make this stuff up, this is pretty funny

[@Joce123]

Divine intervention ❤

[@marilynrybak9154]

Why doesn’t the state of MA allow use of coupons for prescriptions? Voters need to vote differently and get those politicians OUT of office. Sounds like the current and former elected officials are in the pockets and making money of big pharma!

[@marianlinden9736]

5:57 6:0i I live in massachusetts. I have used good rx for certain medications at cvs. Was it the pharmacist or doctor who said massachusetts doesn't allow prescription coupons? Perhaps it depends in the script. Maybe its not allowed on narcotics? My husband and I both needed short term courses of a narcotic to deal with an injury and boy what a pain

[@SassySue67]

@@marianlinden9736 the state doesn’t allow coupons on scripts, Good RX is a discount program not a coupon. Can’t use coupons on cigarettes either.

[@PJ-gb1rm]

In my town, there was a car rental company that resold their used cars. Rental cars can be used hard, but they are usually sold with around 20,000 miles, sometimes less. They thoroughly refurbished the cars prior to sale. I bought two of them at a very good price, and ran each of them for more than 10 years.

[@lillynevers7305]

I bought my car this way too. It was a year old with 26k miles but came certified pre-owned. I still have it 11 years later and it is still going strong because I take care of it well.

[@nesser1352]

I bought a rental car from a dealer too, I still have it. Bought it in 2017 with 17000 miles for about 12500 (Nissan sentra) back when you could get a used car for a decent price

[@DanaLuvsNature]

I love this channel. Some ways we save $ is: ✤Solar powers our car, home & bikes about 60% of the year ✤Grow 35% of our food. We have 10 Fruit trees, berry bushes & veges. We also can & freeze what we can. ✤Grow 35% of our food. Can & Freeze 10 Fruit trees, berry bushes & veges ✤As Food Bank Volunteers, we get their free old organic milk which allows us making home-made cheese, yogurt, butter, sour cream ✤Bought a major fixer upper home. Didn't get permits. Prop tax is just $1200 a year for our 950 foot cabin. ✤Outdoor bath/shower, kitchen, waterfall & pond. Preserves our indoor stuff making it last longer. ✤Chickens, goats, ducks & rabbits co-exist in our feed back yard w/our two labradors. Tasty eggs! ✤ Vacations are 2 weekends tent camping on the ocean. Drive the E-Car 5.5 hrs round trip.

[@readyornot316]

Great tips! We also bought a home in need of repairs and built a deck on the back. About a year later we got a tax assessment for home improvement. Upon inquiring we were told the deck was spotted from an aerial shot; not only did it raise our property taxes but we had to pay a fine for not obtaining a permit ($50).

[@DanaLuvsNature]

@@readyornot316 Wow, that's good to know! There is a deck on the front of the house which fell off. I think it looks bad so hubby was going to put it on the back. Thanks, maybe we'll wait a while to do that. Aerial would be very easy to do with this house. Again, thank you for letting me know.

[@cathyphillips679]

Rules differ from place to place, so it pays to check in your own municipality. Where I live, I went to get a permit for my new deck, but found out that because it was less than 12 inches off the ground, it was considered landscaping and required no permit.

[@gmh56]

@@cathyphillips679 In our area, the height of deck determines if a permit is needed, as well. Also, if the deck isn't attached to the house or garage no permit is needed. The big problem with doing work without a required permit is if you want to sell your house there will be issues when an inspection shows no permits were pulled. $$$$

[@DanaLuvsNature]

@@cathyphillips679 Great to know, thank you! I'll check their specifications for a deck

[@alysoncocking1236]

Goodness. The prescription section is certainly an eyeopener. It makes me appreciate the NHS, here in the UK. Although its £9.90 per item, there are exceptions and you can get a prepaid prescription if you know you're going to be on the medication for more than 3 months. For children and over 60s and if you have certain conditions or on benefits, its free in England.

[@tracyfifield196]

I was thinking exactly the same!

[@peggyfiedler1556]

You have no idea how lucky you are!

[@jenniferclifford4669]

Prescriptions are $5 in New Zealand

[@Joce123]

My friend died this week and because she donated her body to science it only cost $1000 to transport her body.. No funeral expense. HUGE savings over a funeral

[@victorwadsworth821]

Prays to you & those effected

[@victorwadsworth821]

How do you like a post like this, need other options

[@Joce123]

​@@suecook8379Springfield Mo.

[@beckywhinery4652]

This helps doctors learn. Many colleges will accept for free and they will pick up. You have to fill out paperwork before death so your wishes are met. Plus letting your family know your wishes.

[@michelleraney3577]

It shouldn't have cost her family anything. Sorry for your loss.

[@cathylingo9521]

We only buy new cars and keep for many years. Currently have a truck that is 25 years old and a minivan that is 16 years old. Just keep up the maintenance and they will last a long time. A used car, you don’t know how well the previous owner took care of it.

[@peggyfiedler1556]

I've always done it this way. Only used cars from peeps and vehicles, I know.

[@Elsmithcontentco]

100% agree on community college. So many students would decrease their debt load if they would do that. Also, if you live in Illinois, please look into the running start program. If your district offers it and your kids are motivated, they can graduate high school with a diploma and an associates degree.

[@gineenspring855]

I highly recommend the High School / College Credit Program. Both my Daughter and my Niece graduated high school with an Associate Degree...2 years left if you need a degree. Then use Grants, Scholarship, and Financial Aid to help pay for it.

[@noreenp.9858]

We look for hotels that include breakfast. (if they have fruit, you may take a piece for later) We eat a good breakfast and usually just have a snack for lunch so dinner is our only expense. Look for coupons and discounts on area restaurants for saving on the dinners too.

[@sherrylyons4358]

Manufacturers will give you free medication if you have part d for social security if you income qualify and fill out the paperwork. Most s3niors can't get the coupons but can do the patient assistance program and get the medication for free.

[@DanaLuvsNature]

Another fantastic video from my brother and sister in Christ!

[@claudiaross239]

Re hotel prices: I always book the free cancellation option then keep checking for a price drop. I just saved $40 for one night booking in October. I'll check every so then to see if it drops even further

[@rochellethundercloud346]

On the college one, depends on the career you want. Trade school is often better. College does not mean employed

[@victorwadsworth821]

I cut the cable about twenty years ago

[@bitsybarkley]

I love watching ya’ll I am 68 and I am finding that I having to change my life style for the best ……and I don’t miss it cause I have more money when I need it. What I find so hard to have to give up is food ….only me to cook for it’s hard to cook for one cause I am a picky eater and don’t eat leftovers. Any hints ?

[@pamwyatt9787]

Could you find someone who has same tastes as you, and share those dishes

[@LauraMacMillan-el2kc]

Google is your friend for so many things! Search (for example) "simple nutritious meals for one." I haven't done this particular search yet but I do lots of recipe searches on Google. I would just about bet you will get lots of good recipes and tips by doing this. Most recipes have "star" ratings too so it's easier to get ones you will enjoy. I hope this helps you. :)

[@katv1195]

In Summer a "ploughman's lunch" style meal can work well for any meal. It doesn't need to be cold cuts, cheese and bread. It can be favourite things you like cold. For example big grainy crackers topped with cheese spread or a dip (eg hummus), sliced tomato, other salad veg and perhaps a sliced boiled egg. Also buy the ingredients for meals and split them into 1 meal quantities and freeze them or pop them in the fridge. Then mix and match one meal's worth and cook it. So you have a homemade version of those fancy cook-a-meal delivery services. You just need to find simple to cook recipes you enjoy.

[@marilynrybak9154]

Make a meat or protein and eat a fresh salad or fresh vegetable with it and add a piece of fresh fruit if dessert is desired. No need to make a starch with your meal! As we get older, we need the extra protein anyway- so skip the starch item and fill up on the protein and vegetable!

[@lindayeargan8788]

Chick fil a is my side hustle (one of them) and I also worked there while in college in 1985!

[@MelissaCoup]

I am curious but what do you mean by this? is it a side job to something else you do? Sorry for being so nosy but if you don't ask, you won't ever know

[@lindayeargan8788]

@@MelissaCoup I work several times 1 full time one and two part time jobs. Chick fil a is one of those Part time.

[@botialoach1]

One thing to watch out at hotel refrigerators is the stuff they have are expired because nobody used them before and the hotel never checked expiration dates

[@MC10060]

Thank you. You really have me thinking it is time to switch to Mint Mobile. Regarding text books, I use to like getting the text book, but one edition older than the current ciriculum calls for. The changes are very minimal and such a huge discount.

[@jumpinjavajane8253]

Recently, I was placed on an antibiotic. After I saw the doctor, a text popped up and I was shocked it showed $65. Then another text said something like 'show this text for a discount'. Perhaps they also informed the pharmacy because without me saying anything, the cost was $15. So, maybe also ask your physician about getting your prescription discounted.

[@margaretkarner9593]

Hello from Canada, A concern about receiving your prescriptions from different pharmacies due to cost is that drug interactions could be missed.

[@traceydufault297]

Great tips guys

[@kallistoindrani5689]

It always frightens me, how expensive health care and school is in the USA.

[@lillynevers7305]

Not applying for a grant for my graduate year of college is my biggest financial mistake. My now husband applied and told me and all of our friends about it, I thought there was no way I would qualify. Turns out that year they had so few applicants that everyone was accepted (including my husband and our one friend that listened to him). I would have saved $16K plus the interest it costs to pay back the loan.

[@jaletaanderson727]

Thanks!

[@UndertheMedian]

Thank you for the super chat. We appreciate it.

[@pjlacey3990]

We always travel with a case of water. $2.49 for 24 bottles. Water is always questionable in different cities. When we had hockey tournaments we always packed a cooler with healthy foods for our sons. Still lots of eating out with the team but this really helped!

[@TheSwissHillbilly]

We bring a gallon(s) of purified water, and use travel cups. When we need more, we find a grocery store with a water purification machine and refill the gallon. So much cheaper and less waste.

[@howardrayle1446]

You said you recently started getting your hair done professionally. I noticed about 2 videos before you mentioned it. Anyway, it looks really nice.

[@nt6719]

The manufacture of most of our drugs come from China which is the reason some drugs are hard to find. Much of the time the ingredients are coming from China or India.

[@user-tk1xd9js1z]

Many countries depend on China for medicine. It's a dangerous situation.

[@MarkGraham-rd5td]

I haven't purchased a new cellphone in years. Myself I think that a big waste of money. If it works don't buy anything you don't need. That saves money.

[@gingyyycakes]

"Best benefit I got out of college" AWWWW LARRY 😭😭😭

[@tracyfifield196]

❤️

[@bundydata]

Wouldn't Backdoor sell used Scientific grafting calculators too?

[@wallye8713]

Ike’s…Correct time, wrong day. I’ll c u Monday

[@LearnToLiveJulia77]

Do you have any tips on saving money on hotels?

[@patriciamuscat1049]

I m scared to buy entresto from abroad especial Turkey where they are cheaper as my cardiologist said they might be fake Is this true ?

[@vonzellariggs3408]

GOOD EVENING

[@Natashahoneypot]

Do you have any words of wiseness for situations we can't control, eg noises in the home. I'm considerate ng sound Proofing. It's a lot of money.

[@ricksherman34]

It sounds like you need some pest control if you have unidentified noises in the house.

[@SassySue67]

My brother is a drummer and he uses the foam that looks like egg crates on his drum room (walls and ceiling) to keep the noise down. Works great.

[@brg2743]

Noise from loud mowers are what we deal with constantly. Turn on fans, keep windows closed, and blackout curtains help. Write your state legislators about regulating the noise levels permitted in the city or putting restrictions on them. They are entirely too loud for use in a city. The same people who run them can't carry on a conversation due to how deaf it makes them. City officials won't do a thing with or without ordinances. Ordinances usually aren't enforced.

[@lydiabudgetsmore622]

Check with your insurance because some rx is free if you use their online home delivery pharmacy. All of my diabetes rx are free because I use my insurances online home delivery pharmacy

[@joshuabedgood1611]

I don’t see the link to the back market website in the description of the video

[@UndertheMedian]

Oops! Sorry. It's backmarket.com

[@dabneydee9109]

Anybody have experience buying a used car from a shop that sells only used? Or from one of those online-only companies? I've been doing research over the last year and feel hesitant to buy anything but a certified pre-owned from a proper car dealership.

[@TheSwissHillbilly]

We've bought a couple vehicles from an honest, reputable guy who was recommended to us. If we've had problems with the vehicle, he has tried to make it right. Word of mouth is the way to go.

[@OurRetireEarlyJourney]

Big pharmaceutical companies making billions and billions of increasing costs.

[@pwhite2579]

car insurance? I'm retired and barely use my car anymore. (I walk a lot) Deductible ... another ins. company?

[@Joce123]

A couple of major companies offer car insurance by the mile. It's worth checking out

[@pwhite2579]

@@Joce123 thanks!

[@brg2743]

Auto owners insurance has really saved us a lot.

[@suecook8379]

If you pay out of pocket, then you lose that amt towards your deduct.

[@UndertheMedian]

Yes, you do. But, when we've paid out of pocket, it was a super small amount and our deductible was $4200 per person.

[@chelongogan3904]

Hi there

[@doreenplatt3873]

I wonder how Chick-fil-A feels about having a vegan employee?

[@marilynrybak9154]

I’m sure they don’t care! Chic fil a makes an awesome kale salad!

[@doreenplatt3873]

@@marilynrybak9154 That is the first good thing I have ever heard about that place.

[@user-tk1xd9js1z]

When on vacation... buy medicine in countries that have them cheaper.

[@victorwadsworth821]

Nothing free these days;' FREE AIR QT gas stations Lowes Sam's Club Cost Co maybe Discount Tires Kroger maybe

[@sophies6957]

God is Not Awful.

[@Joce123]

Get the book called "Graduate Debt Free." KRISTINA ELLIS She got $500,000 worth of scholarships and went to college at Harvard

[@UndertheMedian]

Great suggestion! I read that book when our oldest was ready to start college. Super helpful. He got his BA debt-free.