How I Live More Frugally | Financial Minimalism

[@MisfitMassage]

Dude, you've got such a genuineness when it comes to communicating good minimalism habits, all while cutting out the junk. It's quite refreshing. 🤘🏻

[@NicholasGarofola]

I appreciate that 🙌🏻

[@cjxgraphics]

There’s an incredible amount of irony watching these videos, only to be interrupted by an ad for a vacation home, new shoes, new this, buy that. Etc etc. That being said, keep up the good work.

[@sophial.6633]

That comment about buying things from the gas station like a reward for not doing anything, is so true. Those little purchases here and there are always the ones I forget about, then at the end of the day I’m wondering where my money went. This was a lot more insightful than you think. Thanks for another great vid.

[@NicholasGarofola]

Thanks Sophia!

[@robforbes8097]

maaaaan, a credit card pro video, I love it. everyone laughs at me. I have a three card system as well. I've got one exclusively for utilities, one for spending and an aux card that gets 2% across the board. currently have about $500 in cash back sitting around for later. fire advice my guy! love the channel!

[@NicholasGarofola]

Thanks Rob!

[@indiraghai7972]

We learn many things by cultivating our home garden that it's love which turns into fruition given adequate attention and tenderness to any living creature, be it plant or animal.

[@NHarts3]

Growing your own herbs is probably the best tip. You dont need much gardening knowledge or space, many of them can be rooted from herbs you buy in the grocery so you can buy one and be set for a while, and they add so much value to your food, in both flavour and nutrition. Also fresh herbs at the grocery store are quite pricey for the amount you get. So growing your own really saves in the long haul Edit: other easy things to grow from grocery scraps: bell peppers, chilis, all kinds of squash. You can also plant carrot, radish, and beetroot tops, though they won't grow more carrots or radishes or beets, they do grow out the leaves which are edible and you can harvest as needed and add to salads for extra greens. They're quite yummy.

[@NicholasGarofola]

Good to know. Thanks!

[@TattooedMinimalist11]

This is the exact video I needed right now. Great content. Love the “time cost” reference. That really put things into perspective

[@beinghygge]

This was very insightful! I especially liked the concept of spending in terms of time instead of money.

[@indiraghai7972]

A seed turns gradually into a sapling, gardening is an art in which we learn to cultivate our own plants and flowers, herbs and vegetables we nourish them with adequate water, fertilizers and care just like a mother cares for its new born baby

[@smalldamndeer1614]

your videos are just amazing man, really enjoy watching them and almost always learn something new from them. Started on my own journey in frugal living a few months ago and your channel played a big part in me deciding to live more frugally.

[@NicholasGarofola]

Thanks so much 🙌🏻

[@DumbHashtag]

The way that I cut down is match my fast food spendings of the week and send that amount to my savings account .I realized I was spending too much on fast food and slowly cut back and now I’m only at once or twice a week instead of everyday

[@isaacperlich]

The production value of these videos only get better!

[@NicholasGarofola]

Thanks Isaac!

[@chrisroyce8650]

I appreciate your perspective on credit cards and I wish personal finance YT talks said more of this. Got my first CC at 18 and putting charges on it that would not be paid in full come payment date was never an option for me. But the points and cashback really add up. Wife & I got a Chase Preferred card a few months ago, unfortunately with an annual fee ($90) but gave us $800 of bonus points at signup and long story short the other perks justify the $90. For example, when we use points for flights and hotel, 25% off when redeeming points. Online grocery pickup? 3% back. For everyday purchases, why not get a little rebate? If I have kids someday, I want them to get a CC at 18 and have a holy fear of it: "Don't you dare put anything on this card that you don't have cash for/won't pay in full at the top of next month". I understand Dave Ramsey's take on CC's because many who flock to him have burned themselves with debt in the past. And, he may have a point about "we spend more with credit than if I hand over actual cash bills".There may be some merit to that. But anyways, your take on CC's is not one I hear often enough and fwiw I think you're spot on. Keep up the great channel!

[@techno31]

Seismic toss, love the Pokémon reference. Thanks for the tips! I always find your videos helpful in getting me back on track.

[@NicholasGarofola]

Love Pokémon 🤷🏻‍♂️

[@indiraghai7972]

Minimalist attitude helps us to value things,we look at them as priced items and sentiments are attached with them so we tend to take good care of them or handle them carefully.Eventually, they last longer n we feel better not becoz of d price .Thus minimalistic can be a habit forming trait in us which we can carry throughout our lives and in turn also inspire others to do so .

[@ethan.ty11]

I love the idea of transferring your spend into your savings account instead!

[@josephcollins6033]

Super! Thanks, and keep up the humor.

[@ONYX-365]

6:48 -- I really like this Timex watch ⌚️ *Does anyone have the model name / number?*

[@christopherbellboy25252]

I just recently started using my credit card for the cash back feature. Now I just feel like I've been missing out. Love your videos 🙌🏾

[@THESLOWDEATHHOOKS]

man your videos are so pleasant and refreshing, love the editing you do

[@krystalgomez2300]

Taking notes. This is absolutely amazing

[@NicholasGarofola]

Thanks Krystal!

[@kjetil_]

Great video. Those credit card bonuses were really nice. I live in Norway, and the best bonus I can get on groceries with a credit card is 2%. Better than nothing though.

[@NicholasGarofola]

Still pretty good! Wish to visit there one day 🇳🇴

[@sharonlugone5955]

I love the humor in your videos! They're also aesthetically pleasing to me. Oh yeah, the content's always good, as well. You're doing great! ❤

[@NicholasGarofola]

I appreciate that!

[@georgeandrews2839]

If you can't donate, another way to show your support is to watch the video from the beginning to the end and let the ads run. Of course subscribing, "Like" and posting a comment helps too.

[@tanujverma2412]

Cutting out coffee works so well for me.... and is a bit difficult to maintain too, Ya know.

[@lumealapicioareletale6697]

I can t wait you re videos, great job!

[@David-231]

At minute 1:55 could you make the sentence to a wallpaper I would definitely buy and use it Greetings from Germany

[@NicholasGarofola]

Good idea, I can make that

[@David-231]

@@NicholasGarofola cool ,where can I buy/download it?

[@David-231]

@@NicholasGarofola when do you make those wallpaper’s

[@patrick93ferreira]

You can make a video where you can explain the bare minimum in exercises, because today we are bombarded by a lot of exercises to improve our health. The idea would be to show some of the main exercises that we can do at home to help our body, posture... Another video option would be about food, examples of some simple dishes that we can make, in order to cover the daily needs of carbohydrates, proteins.... A third video suggestion is, equipment to do sport, simple equipment, sneakers, sports clothes....

[@NicholasGarofola]

Going to make a food related video in the future 😄

[@Harry-yx2on]

Chest press, squats, death lifts. All you need brotha

[@MRSancutzik]

Great video! Clean, short and helpful.

[@aurelie-ho]

Another great video!👏I prefer to use credit card also for the cashback, I don't like having cash on me and will spend it more easily💁

[@lauragomezllanos2916]

Thank you for another great one ❤ I can always use frugal content : )

[@NicholasGarofola]

Thank you as always Laura! More on the way

[@David-231]

Thanks dude your videos help me a lot Greetings from Germany

[@NicholasGarofola]

Glad you like them!

[@Jazmin-mb7ju]

Your videos rock! Thanks for all the content! We appreciate it!

[@NicholasGarofola]

I appreciate that!

[@aad7451]

Yooo you made my day for dropping a new video! Thanks man!

[@neilschipper3741]

You're doing a great job on these videos nick! Always good advice, food for thought.. actions and deeds.. hope you survived in unscathed here on the West Coast we got blasted!

[@NicholasGarofola]

Thanks Neil! Stay safe out there.

[@Steph1234]

I watched this video last night right before going to sleep and I dreamed of you lol btw really good tips

[@NicholasGarofola]

😄

[@randalebaer]

Since I found you, I really like to be and live minimalistic. You helped me a lot with your advices! Thank you very much. (Sry for my bad english)

[@NicholasGarofola]

Thank you 🙌🏻

[@Misterpatino]

I needed this video so badly. Agree with most of the tips. New subscriber over here!

[@NicholasGarofola]

Thanks!

[@colinli7906]

really appreciate your practice, thank you dude

[@NicholasGarofola]

Glad it was helpful!

[@LordBeowulf]

I agree with all of this. Keep it up bro!

[@johannathorisdottir2456]

LoL i love your sense of humor in theses videos! I like these finance videos i really need them cus i´m trying to spend less and just buy things that i need and don´t buy things that i don´t. 😀

[@NicholasGarofola]

Thanks Jóhanna! Glad you find them helpful. Hope you have a great winter season this year 🇮🇸

[@johannathorisdottir2456]

@@NicholasGarofola thank you it´s almost here. Brrrr🥶🥶🥶🥶

[@Ripplesinthewaters]

Seismic toss! I love it!

[@gabrielletedara2662]

Thanks for shearing

[@ultracro]

Man your videos are just fantastic! Love the minimalism!

[@NicholasGarofola]

Thank you!

[@linkhantmaung10]

i'm waiting for this nick!

[@tiashadae1143]

Great tips as always, love your videos ❤

[@NicholasGarofola]

Thanks Tia!

[@valdiarief]

I can relate with the Hydro Flask 😄

[@dikoarianto9079]

Thank you dude!

[@muddassirahmad36]

planting vegs is a good idea bro.

[@lizabean723]

to elaborate on the hydro-flask concept: i've had the same nalgene bottle + REI tumblr for hot beverages (30$ total) for the last 8 or 9 years. consider all of the water, coffee & tea i haven't purchased in that time...

[@NicholasGarofola]

Love REI. One finally opened near me, thank you as always Liza!

[@chris-ci7ch]

I get 5% back on Amazon using their credit card and use the balance once a year to pay for X-mas.

[@prasanthpr5596]

Awesome 👌

[@jkfun5032]

Have you ever considered eco minimalism? I started in minimalism but quickly moved to eco since I was already reducing and really conscious of what I need in my life. It moved into a thought process of - well I need this one item (ie. one bottle of laundry detergent)- what’s a maybe more sustainable option for that 1 item I use instead? (A refillable jug of laundry detergent). Why be wasteful with the few things I use. Reducing my own clutter and the clutter I leave on earth at the same time clicked for me. Imagining my 1 plastic bottle of Tide that I toss in the landfills to sit there for 350 years twice a year for the rest of my life really made an impact on me. Imagining my non-minimal mountain of trash I contribute to the earth was not sitting right with my minimalist mentality. Not saying it’s something you should do, just wondering as a minimalist, has that ever crossed your mind? PS - love your channel and work though! 😊

[@anitavirginillo]

I wish more people were mindful like this.

[@1983jcheat]

Great video.

[@NicholasGarofola]

Thanks!

[@andreaceleste2664]

Please update us on how your herbs turn out!

[@NicholasGarofola]

Will do! Thanks Andrea 😄

[@Dannyjeon1]

This was informative 😊

[@VarunDhabe]

Love it

[@jarabee2022]

Hi, I’m new to your channel & am enjoying your videos.

[@NicholasGarofola]

Awesome! Thank you!

[@yahumara21]

Great video ❤

[@sjchan3199]

Great video nick, keep up the great work. Dont know how old my bread maker is but its earnt its price tag. My family love fresh bread and prefer it to shop bread, you can make a lot of other things in it such as other breads rolls cakes etc. I also make pizza bases in mine and freeze them fof later

[@NicholasGarofola]

That’s awesome. I never tried making anything’s besides a loaf of break but maybe I’ll try rolls as well 😁

[@starbeck52]

I would encourage anyone to grow their own herbs as they are easy to grow and can save you lots of money on fresh herbs. Vegetable gardening is not as easy as it looks and lots can go wrong. Cherry tomatoes in a clay pot is a good start, though.

[@NicholasGarofola]

It’s definitely not as easy as it looks! So true 😅

[@rubyus7332]

Love your cc system! Why don’t take advantage of points/miles perks. Respect!

[@srinidhi_ks]

Insightful..As always Loved it❤

[@dilekuzelli7937]

Videolarinı izlemeyi seviyorum.Bazı youtuberlerin yaptığı gibi altyazıda olsa,tabi izlenen ülkeye göre.

[@MsGechi77]

Thank YOU for turning down the music 🎶 while you speak. 🙂

[@saravenale8589]

Hello I have tried to make my own bread but two days later it was mold😢

[@alonememe]

I love all animations 🙂 They probably took a lot of time to film.

[@NicholasGarofola]

Thanks Martyna 😄

[@paulahastings7865]

2 credit cards. Always paid in total every month.

[@garyrobinson8665]

Nicholas do you go on vacation or do you just constantly save? Im trying to be more frugal however I like to go traveling maybe once or twice a year and it does cost me a substantial amount of money. I really look forward to going abroad I'm not sure if I can stop it.

[@NicholasGarofola]

I save as much as I can, turn also have a fund dedicated for travel/vacation, it’s just extremely important for me.

[@matheuscampos9363]

You still cut your own hair? If yes you should post a tutorial man, always looks good and I want that cut 👍🏽

[@NicholasGarofola]

I really might make a video on this one day, putting this on my to do list.

[@matheuscampos9363]

@@NicholasGarofola looking forward to it! keep the great videos coming!

[@ToddWulfhorst]

As a minimalist shouldn't you go by "Nick" as opposed to "Nicholas"?

[@tanisemmello]

❤

[@AlexMacevicius]

paying off cards every month is something people really need to do.

[@ivanmayet7879]

Hey dude, i recommend You to grow your vegetables outside!

[@NicholasGarofola]

I’ll give it a shot!

[@youkless]

Your videos are amazing men

[@NicholasGarofola]

Thanks!

[@maury5428]

SoFi credit card 2% cash back on everything!

[@eladhzx]

Why don't you buy yourself a smart watch or a smart watch?🎉

[@duppa]

A smart watch is like having your phone open in front of you 24/7, endless notifications to distract you.

[@NicholasGarofola]

I did have an Apple Watch before at some point. I prefer my classic watches 😄

[@apvanand4717]

Bro... there is no need to put intro in every vdo. and that too... twice. rest...your vdos are fine. and we like them👍

[@handyman9298]

Buy a home

[@johnchitty2804]

Hahah you said "seismic toss" you nerd!!!

[@christopher1879]

I bet you don't have a Wife/ partner as no woman would keep up with this crap.

[@timyoungnc]

Awesome content!