Use This Website to Pay Less For Your Meds
cold and flu season is here it is bad enough to feel sick but having to pay a steep prescription costs on top of that can of course make you feel even worse here to talk about a cheaper way to get the medicine that you need as medical expert dr. Holly Phillips good morning how are you today good morning thank you so much for having me I'm good well everybody's interested in saving money especially when it comes to prescription drugs because they can be so expensive so first and foremost how can we save money when it comes to prescription medicine right well many of us don't think about it but different pharmacies actually charge completely different prices for the same medications so RetailMeNot rx saver is both a website and an app that can help it lets you choose your pharmacy based on price transparency as well as convenience all you do is you go over to rx saver calm or the app and you enter the medication you've been prescribed with your zip code then the website shows you pharmacies in your area that sell your medication and most importantly the prices so then you choose a pharmacy based on that list of low prices and you get a coupon which you show to your pharmacist right when you go to pick up your medicine it's really simple patients can save up to $1,000 a year on their prescriptions this way and it's really perfect for people who have no insurance coverage which is a lot of people or one of those plans with a high deductible it can really help everybody and when it comes to over-the-counter medicine how can we save right well over-the-counter medicine very first rule of thumb try to do generics when you can for the most part they have the exact same active ingredients as brand-name medicines but they cost much less also check the ingredients of any multi-symptom cold medication you're taking to make sure that you're not doubling up on the same things so for example if you've already taken acetaminophen for your fever be careful not to take a multi symptom medicine that also contains acetaminophen both for your health and for your wallet and if we want to try home remedies first what would you suggest sure well I you know home remedies are really the basis of treating the common cold because unfortunately there's no magic cure yet but I tell my patients staying hydrated is the most critical thing focus on hot liquids like tea with honey or water with lemon that heat soothes inflammation in your nose and your sinuses my personal favorite sore throat remedy is really simple just a gargle of 1/2 teaspoon of salt in 8 ounces of water and now the benefits of chicken soup are backed up by science there's a lot of great research out there so all of our grandmother's can celebrate and say I told you so absolutely and I think we like to eat it anyway which is great so go ahead and mention the the app egg once again and where people can go sure the website is our x-saber com the app is called the exact same thing there's no fee to use it and it's really simple to use easy one-stop absolutely thank you so much doctor thanks for having me
Research the cost of health care to get the most out of your benefits. If you need to have an MRI or a CT scan, do the research. The same imaging procedures performed in the same areas can have very different costs. We have tools that can help you get the most out of your benefits.
[DOORBELL] SPEAKER 1: I got it, I got it. I've got it. [CAT MEOWS] Look what came in. It's finally here! SPEAKER 2: Mom has another painting. SPEAKER 3: How can she fit another one in the living room? SPEAKER 1: Hon? I'm thinking here would be best. I really think it's going to add so much to the room. SPEAKER 3: Poor dad. He always has to hang mom's cat paintings. SPEAKER 2: I hope he's careful. He fell pretty hard last time. SPEAKER 3: I got a good picture of it, too. [LAUGHS] SPEAKER 1: I think it would look better a few inches to the right. It's all about the juxtaposition, honey. Please be careful. You scuffed the frame last time. Woah! [GLASS SHATTERS] SPEAKER 4: Ugh. SPEAKER 3: Do you think dad will need an MRI this time? SPEAKER 2: Yup, I think third time's the charm. I'll make a doctor's appointment. SPEAKER 1: Kids, wait. Dad has a reference price on his health plan. SPEAKER 3: What's a reference price? SPEAKER 1: It's the amount our plan will pay for things like MRIs. Some facilities charge different amounts for the same service. But be careful to pick one that charges less than the reference price, or we could end up paying more. SPEAKER 2: And if some charge less than others, dad might not have to pay so much money. He could save money and buy us something. SPEAKER 1: Don't worry, kids. I already know what we could use the extra money for. SPEAKER 2: Mom's probably going to spend the money on another cat painting. SPEAKER 3: Poor dad. SPEAKER 5: The same medical procedures in the same area can have very different costs. If you have a reference price from your health plan, you can research facilities to avoid paying more out-of-pocket.
It can’t help being noticed how many times Romney mentions that Obama is cutting MediCare by $716 billion and how he repeatedly makes it clear that any current or near retiree will not be affected by his own plan – a sign that he will be relying on the vote of the older population and does not want to scare them. Obama’s cut to MediCare is being used to support ObamaCare. Obama wants to address the issue in more detail but is told to hold off until later.
2012 Presidential Debate #1
Oct 3, 2012
our seniors depend on these programs and I know anytime we talk about entitlements people become concerned that something's going to happen that's gonna change their life for the worse and the answer is neither the president nor I are proposing any changes for any current retirees or near retirees either to Social Security or Medicare so if you're 60 or around 60 or older you don't need to listen any further but for younger people we need to talk about what changes are gonna be occurring oh I just thought about one and that is in fact I was wrong when I said the president isn't proposing any changes for current retirees in fact he is on Medicare and Social Security is not but on Medicare for current retirees he's cutting 716 billion dollars from the program now he says by not overpaying hospitals and providers actually just going to them and saying we're gonna reduce the rates you get paid across the board everybody's going to get a lower rate that's not just going after places where there's abuse that saying we're cutting the rates some 15% of hospitals and nursing homes say they won't take anymore Medicare patients under that scenario we also have 50% of doctors who say they won't take more Medicare patients this we have 4 million people on Medicare Advantage that will lose Medicare Advantage because of those 716 billion dollars in cuts I can't understand how you can cut Medicare 716 billion dollars for current recipients of Medicare now you point out what we're putting some back ready to give a better prescription program that's one of that's one dollar for every 15 you've cut there they're smart enough to know that's not a good trade I want to take that 716 billion dollars you've cut and put it back into Medicare by the way we can include a prescription program if we need to improve it but the idea of cutting 716 billion dollars from Medicare to be able to balance the additional cost of Obama care is in my opinion a mistake and with regards to young people coming along I've got proposals to make sure Medicare and Social Security are there for them without any question first of all I think it's important for Governor Romney to present this plan that he says will only affect folks in the future and the essence of the plan as they you would turn Medicare into a voucher program it's called premium support but it's understood to be a voucher program his running-mate and you don't support that I don't and let me explain why again that's for future I understand but right not for current retirees so if you're if you're 54 or 55 you might want to listen because this this will affect you the idea which was originally presented by congressman Ryan you're running me is that we would give a voucher to seniors and they could go out in the private marketplace and buy their own health insurance the problem is that because the voucher wouldn't necessarily keep up with health care inflation it was estimated that this would cost the average senior about $6,000 a year now in fairness what Governor Romney has now said is he'll maintain traditional Medicare alongside it but there's still a problem because what happens is those insurance companies are pretty clever at figuring out who are the younger and healthier seniors they recruit them leaving the older sicker seniors in Medicare and every health care economist who looks at it says over time what'll happen is the traditional Medicare system will collapse and then what you've got is folks like my grandmother at the mercy of the private insurance system precisely at the time when they are most in need of decent health care so I don't think vouchers are the right way to go and this is not my only my opinion AARP thinks that the savings that we obtained from Medicare bolstered the system lengthened the Medicare trust fund by eight years benefits were not affected at all and ironically if you repeal Obamacare and I have become fond of this term Obamacare if you repeal it what happens is those seniors right away are going to be paying $600 more in prescription care they're now gonna have to be paying co-pays for basic checkups that can keep them healthier and the primary beneficiary of that repeal are insurance companies that are estimated to gain millions of dollars back when they aren't making seniors any healthier and I don't think that's the right approach when it comes to making sure that Medicare is stronger over the long term we'll talk about specifically about health care a moment but what do you support the voucher system governor what I support is no change for current retirees and near-retirees to Medicare and the president supports taking 716 billion dollars out of that program so that's that's number one number two is for people coming along that are young what I do to make sure that we can keep Medicare in place for them is to allow them to either to choose the current Medicare program or a private plan their choice they get to – and they'll have at least two plans that will be entirely at no cost to them so they don't to pay additional money no additional $6,000 that's not going to happen they'll have at least two plans and by the way if the government can be as efficient as the private sector and offer premiums that are as low as a private sector people will be happy to get traditional Medicare or they'll be able to get a private plan I know my own view is I'd rather have a private plan I just as soon not have the government telling me what kind of health care I get it rather be able to have an insurance company if I don't like them I can get rid of them and find a different insurance company but people make their own choice the other thing we have to do to save Medicare we have to have the benefits high for those that are low income but for higher income people we're going to have to lower some of the benefits we have to make sure this program is there for the long term that's the plan that I put forward by the way the idea came not even from Paul Ryan or or senator Wyden who's a co-author of the bill with with Paul Ryan in the Senate but also it came from bill kunsan's Bill Clinton's chief of staff this is an idea that's been around a long time which is saying hey let's see if we can't get competition into the Medicare world so that people can get the choice of different plans at lower costs better quality I believe in a competition if I can just respond very quickly first of all every study has shown that Medicare has lower administrative costs than private insurance does which is why seniors are generally pretty happy with it and private insurers have to make a profit nothing wrong with that then that's what they do and so you've got higher administrative costs plus profit on top of that and if you are going to save any money through what Governor Romney is proposing what has to happen is is that the money has to come from somewhere and when you move to a voucher system you are putting seniors at the mercy of those insurance companies and over time if traditional Medicare has decayed or fallen apart then they're stuck and this is the reason why AARP has said that your plan would weaken Medicare substantially and that's why they were supportive of the approach that we took that one last point I want to make we do have to lower the cost of health care not just in Medicare and talk about that but but but overall oh okay and so that's that's a big topic let's get back to Medicare the president said that the government can provide the service at lower cost and without a profit all right if that's the case then it will always be the best product that people can purchase but my experience my experience is the private sector typically is able to provide a better product at a lower cost
hi guys today I want to talk about the NHS which is the National Health Service in the UK and I sometimes get emails from people that ask me what they have to do when they're moving to the UK in terms of health insurance and in the UK we have the NHS and everyone that lives in the UK is automatically insured by the NHS whether they're working or not so you don't contribute to the NHS directly you don't have to pay any bills of the NHS like in Germany where you usually choose your insurance and then you contribute towards your insurance every month and then if you get ill they'll pay for it hopefully um in England it's more of a general health service so it just covers everyone for everything when it's needed so when you work you will get deducted taxes and some of those taxes will say national insurance I think and I think a part of that also goes to the NHS so as soon as you're living you don't have to worry about having health insurance because you automatically do have that anyway and as soon as you are insured by the NHS you can get an Eric card which is a European health insurance card so if you visit your home country in the European Union or any other country in the European Union you are automatically also insured there by the NHS the way it works is that you get this card I actually have one somewhere but I don't want to get up and get it right now but it looks really unspectacular it's just a blue card that'll have like your birthday and stuff I'll link below where you can get one if you wondering and if you are in another European country and you get sick you can go to any doctor give them that card and then they will charge you but you can claim the money back from the NHS or at least that's how it should work I don't know if it actually does work because I just don't know but technically you should be able to I think it is worth looking into extra insurance though because that card doesn't really get you like you can't really go to the dentist in Germany with that card I don't think I think you can only go if you get sick or if it's an emergency probably technically you should be able to go to any doctor but I don't think you actually can I don't really want to say something that isn't true but I've been reading on forums a lot and I just read a lot that the card doesn't really work because like doctors in Germany get it and they're like I don't know what that is like okay you just pay me and it's just already confusing so yeah now I personally I'm not registered in Germany anymore so I don't have health insurance there at all and I just go there on my 80 card and just hope nothing happens yeah now because this video would be really short I did want to talk about a bit what I think about the NHS and what experiences I have with it because I've been in the UK for over four years so I have been to the doctor quite a few times and to quite a few different doctors and yeah so the way it works is really weird as soon as you move somewhere you can go on the NHS website and type in your postcode and it will list you GPS which is General Practitioners or in German that would be a house arts and it lists you all the practices that you can register with texts sorry that you can register with em in Germany that's not the case you could just register with any doctor wherever they are you could register with a doctor that's like in a whole nother town whereas in the UK they only let you really register with someone in your postcode area or at least that's what it's like in London like they'll usually have a map on their website and there if you're not within the map then you can't register there and it's really frustrating because there's a practice opposite my house and I can't register there because they have a different postcode than I do so I have to go to a doctor that's much further down the road that has not the best ratings and yeah but that is within my postcode area so I find that really frustrating and every time you move you have to register with the new practice and it's I don't I'm not used to it at all in Germany the way I'm used to is that you go to one doctor usually your parents doctor and sort of a family doctor so they know your history and you go to the same doctor your whole life usually even if you move you still go back to your doctor because your doctor knows you he has taken care of you for years and he would notice if something is wrong with you whereas here all the practices I've been to have like ten different doctors and you'll see a different doctor every time no one recognises you and it just I'm not a fan but disclaimer I do hear that doctors and just the NHS generally is much better outside of London but obviously as I've only ever lived in London I can't tell you much about that but just bear that in mind if you live somewhere else you might have a really good doctor and it might not be as it is for me but I can only talk about my experience so sorry so yeah I sadly must say I'm not a fan of the NHS at all every time I have to go to a doctor here it's a struggle to get an appointment like my old practice had this weird thing where you could only get an appointment if you call there between 7:00 and 8:00 in the morning so if you got up at 8:00 and you felt really ill and wanted to see a doctor you couldn't they had to wait till the next day get up at 7:00 call them and then sometimes the line was just busy the whole time and you couldn't get through but if you can't like a minute after 8:00 they were like oh no sorry can't get can't get an appointment now and that's just really frustrating and the practice I'm with now I went there yesterday because I'm a bit ill and I just you know I want to see a doctor and they were like oh yeah we can get you an appointment earliest February the 20 something like it was like three or four weeks right and I'm like well I don't really need doctor anymore in three or four weeks and there just just seems they don't care like every time I've seen a doctor here about anything they have just been really like oh it'll be fine like I have asthma and in Germany I always had an inhaler so once I moved here I was like I should probably get an inhaler here like went there showed them my inhaler and the guy was just like ah no you'll be fine and I've never got one again so now every time I run I get like out of breath last mile attack I'm like half dying and yeah or like in Germany I got my moles checked every year because I have a few big bigger moles so I get them checked every year to see you if I have like any like skin cancer problem and I go to a dermatologist in Germany because in Germany you just straight go to the doctor you need like if you have something wrong with your throat you go to an ENT specialist if you have something wrong with your eye you go toward the eye doctor if you have something wrong with your skin you go to a dermatologist I mean it makes sense right not here in the UK you always have to go to your GP first and only if the GP things that you need to see a specialist then you can go to a specialist so I went to my GP said hi I want to get my moles checked can I get a referral to a dermatologist and the GP you looked at me from like six feet away at my mole and just said now you're fine I was just like okay just I it's just that mentality that I really don't like or I went to a dentist here and dentists are kind of weird because even though you can get NHS dentists they still charge you so if you have like if you get filling it's like fifty eight pounds if you get your wisdom teeth removed it's like three hundred something and if you just get a check-up it's like 17 or 18 pounds I think so I went to a dentist here and they did a small filling in the back and I moved and then two months later I saw another dentist and they said that the dentist before did it really wrong and they had to remove the filling again after two months and redo it so it's just like I just I find it really hard to trust doctors here because they don't seem to know what they're doing and I've been to four different GP practices now I've seen an ENT specialist I've been to a hospital here for an MRI before and no one seemed competent to me and I have no trust in the health system here sadly and just the experiences I made is that if something's wrong with me and I have to see a doctor here I probably won't be seen and I usually have to wait like three or four hours now that's really London because there's so many people here and it's always really overfilled but still it's just really frustrating to be honest and just to get an appointment you can wait like three to four weeks and yeah I don't want to discourage you but if you come from a country like Germany and you used to quite good medical care then just be prepared to maybe find something that isn't quite up to those standards but yeah again I mean you could be lucky you could find a great doctor but I just haven't been that lucky I've only really had crappy doctors that didn't care so yeah that's all you need to know about the NHS I think I'm really sorry it was that negative and I hope you have more luck than me and yeah thanks so much for watching bye
Let’s talk budgeting! We explain how we budget, why we do and I show you how I track our income and expenses!
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hi everyone and welcome back to another video today's videos gonna be about budgeting because when I made my ping for school without any student loans video everybody wanted a budget video too so I'm gonna be making that today and I have my guest star husband here John because he's the finance guy and if you thought his channel as well you'll know if you don't go ahead and give it a follow because a lot of the stuff I learned this video actually came from him so we want to give him some credit too so we're gonna get right into it but first I wanted to give you guys a little update on our foster care situation because a lot of people have been asking what's going on with the foster child and if we're gonna be getting a foster child soon as you know we started the process of becoming foster parents in November 2018 and it's now June 2019 and we're still not certified just do delays hopefully we'll be approved in the next two or three weeks we'll definitely be approved in July she said so that's something to look forward to we initially have thought we're gonna be approved in May but stuff happens and things just take longer than you think so we're eagerly awaiting we have everything ready and we'll update you guys as soon as we know something anyways that's what's going on with that so now let's get into the budget the first thing is going to be having a reason for budgeting this is so important because if you don't have a reason or a goal or something that you're working towards you're not gonna stay on track you're not gonna be motivated to save money because who wants to save money just to save money and this is something I learned from John because we used to just work work work and save all of our money with no goals or no reason for doing so and as we got a little older he started saying we should have a goal or a reason that we're saving our money so we don't just feel like we're working and getting burned out and then we can celebrate the accomplishments along the way right I definitely think you need to have your why or an emotional attachment to a large goal like she said I guess we're kind of weird we could save without having that big goal we just like saving to save and I guess we had a vague goal we knew we were saving for something we just didn't define what that was and once we defined what that was we saved even more diligently and more strictly and it got us more excited about the future and about saving and we weren't just putting money away just to put money away so whether that's being debt-free or travel in the world or retiring early or putting your kids through school or buying your mom a car whatever it is putting an emotional attachment to that goal and to the reason you're saving and you'll get there much faster and also feel better doing so when you put that $500 to the side it oftentimes doesn't feel that great and in fact it could sting a little bit because you could say I could've bought clothes or shoes or whatever the case may be but if you say half up with this $500 away right here and I calculate that I know within three to five years that's going to buy me my dream home or pay off my parents house or allow me to travel the world whatever the case may be you'll feel better about saving that money so that's all we really have to say about setting a goal really the goals can be personalized to you guys could be your children's college fund it could be really anything so yeah set a goal write that down and remind yourself of why you're doing this okay another thing we wanted to talk about and this is mostly pertaining to couples so if you're not a couple this is probably gonna be important it's sometime your life but right now it's really important to us and that's communicating about your finances um when you set a budget you need to communicate your expectations to each other if you have somebody who's very frugal and somebody who's a big spender there's gonna be a lot of conflict there so you want to establish everything upfront what you expect of each other and hold each other accountable so doesn't create friction down the line and I highly recommend don't hide your finances from your significant other I heard a lot of people do this they have like other accounts or other cards because they don't want to shop and order stuff then I order stuff and bring the packages in before the other person gets home to hide it and I think you're just setting yourself up for fights and failure there so I don't suggest that at all I would say to each their own a little bit on that like some couples go their entire lives I'd say very few but good their entire lives with separate bank accounts and separate incomes and all that separate retirements and never discuss it I'd say that's really rare and I don't recommend it why not put two heads together and work together towards the same goals I think if you're a couple and you want to make your marriage last anyway you should have relatively the same goals you can have different goals as well but like as far as life and the ultimate outcome I think should be a little bit on the same page but yes communicate often and regularly and also have a way to track each other and keep each other accountable so we actually still have separate bank accounts but we communicate so well that that doesn't we've never had a joint account we basically split the bills for a really long time when we were together and now we just work together really well with finances and we don't need to have a joint account because we hold each other accountable with our budgeting it was tracking everything like he said it's gonna be a little different for everybody communication is key and we recommend having weekly or monthly meetings about your finances if you're just getting started and you have a lot to work on he usually recommends I'm speaking for him he's already nobody tells people I'm capable why'd you just run my YouTube channel – he usually recommends that you meet every week and talk about your weekly budget what you did wrong what you did great what you could do better and later down the line you say you can meet monthly right right I mean you can get it down to yearly if you really want to just the more you stay on top of it the more I want more on track you're gonna stay and it leaves less room for error over time so if you're checking on it weekly it's very rare that you're going to get a wrong charge or somebody's gonna spend money out of turn and nobody's gonna know about it if you let that go like six months it might be too late to fix that exactly so part of budget setting the actual budget setting is to figure out your monthly expenses I'd say this is like the first important thing you must do when you're creating a budget because you have to know what your fixed costs are what you have to spend every month and some of those things would be like rent electric phone bill insurance anything that you have to pay every month and after you figure out all your fixed costs of stuff that's completely unavoidable you're gonna want to figure out your variable costs or your discretionary in discretionary your in discretionary costs and that's basically stuff that you don't need to buy but that you want to buy and stuff you could avoid but it also might make your life better so you might want to incorporate that into your budget as well um I like John talk a little bit about wants versus needs for a second because that's the only thing he's passionate about yes I'll touch on what she just said you want to get all your fixed costs down you know and try to categorize it don't just write all these expenses down in a row it's hard to keep up with but you know your rent electric all the all these should have their own category and should be tracked each month it's that way you know you're not spending $300 in your electric bill when you really could be spending 150 and you're not tracking it so you don't know you're spending that much more than you should be another thing is you can do is you can call these people your cable bill your insurance company sometimes even your rent you pay a few months up front and get these bills down I know like if you call your cable company and say look I want to cancel sometimes they'll cut your bill about 25-30 percent same thing they're an insurance company same thing with your cell phone plan all these can be adjusted so you want to try to get those down as low as possible and then move on to your discretionary funding and you can totally control this like she was saying this is your once versus your needs I think a lot of people would do much better than their budgets and overall finances if they got down this simple concept of once versus needs when you go to buy something when you go to grab something off the shelf when you get online the shop ask yourself do you want it or do you need it and if you want it that's okay we all have once but if it's not a need it could wait and just by waiting on simple things a bunch of little things like that it could really add up to thousands of dollars a year and put that money towards your real goals that goes that mean more to you than just a pair of shoes and that will pay off in the end one thing that we do is we want something that's outside of our budgeted money we don't go to our savings or something else and take the money we do something to make that money to be able to afford the thing we want in addition to our budget so say that we want to go kayaking one weekend it's gonna cost $200 to rent the kayaks to kayak for the day and we need to pay for gas up there we need to pay for lunch and dinner while we're there all that stuff we didn't plan this out we just decided we want to do it well or find some way to make the money for that whether I can pick up a shift as a nurse John can pick up some extra clients we can do some kind of side hustle to make the money we do all sorts of things random makes money on the side down the corner don't worry about that we won't get into all that just in this video but we have a lot of different ways to make money so the purpose of me saying that is just to say that you don't have to give up having extra things but you do have to be very conscious of your budget and if you want something extra you need to work for it or if it's not worth working for just skip it until you've met your goals don't don't be like me she yells at me for this is I'm really bad at this I'll do a side job or pick up some extra money or do something and then she's like okay we have the money and I said no that's savings we have to pick up another side job for the money I'm off with that she's like didn't you just pick up extra money to buy this side set item and I said no that didn't count so stick to your goal of what you did that side income for it because otherwise you'll drive yourself you're you're a lot better about it now than he used to be but he used to pick up a job to make $80.00 and then say oh okay we'll go out to dinner like that'll be like $30.00 or something and then he then somebody else will call Andy Billy actually that's not gonna be for this anymore I'm gonna do these other 800 jobs and then it would all get convoluted and it would all end up going to save use anyway so it's not necessarily bad but in the long run it's probably not sustainable not for most so the next thing that's very important and one of the most important things is tracking your spending for accountability for projecting where you're gonna be when you're gonna reach your goals you need to track everything because if you're not tracking everything you have no idea what's going on and your mind is not a reliable tool for tracking your spending because it's very selective and it will leave out all that little stuff you do and think it's not a big deal even though it is once you got it up in the end of the month and you've spent how much on coffee you do this that's a lot of coffee every day right yeah you save like hundreds of dollars a month right well depends on how much coffee you drink you're just saying to track everything and the more you track the more you'll hold yourself accountable for your spending and this is super important and we do spend money on in discretionary things we like to go to eat grab Chipotle grab ice-cream grab a pizza things like that say ice cream again because you spend almost all of our money on ice cream I like ice cream a lot okay so how to track so tracking is just this simple you're gonna get a notebook I call it the playbook you're gonna take that notebook you're gonna write on in front of it playbook 2019 or whatever year it is and then you're gonna categorize your expenses and you're gonna write in it each and every single day every time you get home from work that night both of you or all three of you or how many ever there is need to write in that book everything you spent some time yeah I'm not judging anybody so anyway you're gonna write all your expenses in that book every day and then at the end of the week you're all going to sit down and go over it together and hold each other accountable you do not want to fight or argue this is super important the book should be a happy place not a mean place so when you sit down to go over this I would say for instance Rihanna this week you spend seven hundred eighty dollars on the ice cream how could we how could we improve on that someone must've stole my card yeah right so how can we improve on that seeing this you've got to stop buying an ice cream this won't work and get mad that's never going to work so do not do that work together now if she buys ice cream the next week and the next week at the same rate divorce yeah absolutely immediately you just go down to the divorce lawyer and you get a get a divorce immediately no seriously maybe some counseling something like that but anyway you have to figure that out together and work together so do that with a book the reason I like the book and not the apps Andrea has her own way of doing it which is also fun but I'll talk on mine with the book and the pen and paper it has a motion to it and you are actually physically doing this so please just get that notebook and keep track of all your expenses and I think it'll go a long way for you I know I keep seeing couples and throw pools and all that but if you're single all this applies the same their notebook the spinning the tracking and goal-setting all that applies the same I just get hung up because we're sitting here as a couple but if you're single this works just the same yes and if you're single you'll have to hold yourself accountable which might be a little bit harder because nobody's forcing you to do something but you also don't have to argue with anybody and you're in control of everything so there you go great all kinds of sounds are being single yeah maybe we should do it I'm just kidding guys so um how I like to budget my money is through an Excel spreadsheet I like to use an Excel spreadsheet to budget my money because it does the math for me and I still have to physically type everything in there but it does the math for me I separate it I'm gonna actually show you soon as we're done talking so you can do whatever method you want we actually don't agree completely on this because John prefers pen and paper and I prefer virtual because I feel like pen appeal first rule virtual digital I preferred digital because I just feel like it's more accessible you can upload it to your Google Drive you can access it from your phone or anywhere and you always have it I feel like when I mess up on pen and paper and actually cross it out I want to start a whole new sheet that's probably my though as long as you're tracking that's the important part of that and actually I'm going to show you my spreadsheet right now and I'm gonna link John's PlayBook video below because he showed you how he sets up his budget book and how he helps his clients set up their budget books if they want to keep it on paper versus digital so I'm going to link that video below in the description box and let's go to the computer and see my excel sheet okay now we're gonna take a look at the Excel spreadsheet I just call it our current budget as you can see in the bottom left I organized it by year so first we have the bills which I categorized with a note based on what they are I just put in some examples here for you to see just so you can get a feel for how I do it and then down at the bottom it automatically tows the columns so I can see what my bills are for the month obviously it's not all of our bills then we have groceries gas eating out beamers expenses medical expenses cars taxes our travel which is very important but we don't get to do it every month I still leave that on there just in case our business expenses which is a whole separate thing but sometimes stuff comes out of our personal money we need to track that and then others just for miscellaneous things if I pick something up from the store or whatnot then we have income here which I'm just gonna put on a random number to show you how this works I track all of our income over here and then it totals this down at the bottom and then if you see over here to the right it actually carries everything over for the year so you can see January had a thousand and 975 out in this scenario and at the end of the year it totals everything down on the bottom so you can see what you net for the entire year then I'm just showing you this whole sheet so you can see how the whole thing looks the same basically and I just do that throughout the year try to keep this up to date as much as I can and it really gives you a good overview what you're spending we could spend less on and what you're doing well hopefully that spreadsheet gave you some insight under how I do my budget and hopefully helps you set up your budget as well um I think that's about it for this video yeah big final thoughts are is Senate budget set it go and work towards it hold yourself accountable be disciplined I think that's the biggest one here it's gonna take a lot of discipline I understand all the temptations to spend the money I'm a huge car guy she knows this about me but a long time ago cars to buy but doesn't right I've gone in the dealership's before I just I can't do it because I know that that money that I spent on that car not only with the car depreciate but that money could be used to go towards investments and houses and make a return on that investment eventually I need to get to the point and just let go and buy something I really want right so maybe but it's hard for me for now but it's because I've developed so much discipline you know now it's just second nature to us to save and work towards our goals it's nothing for us to pass up on a dinner or to not buy that case of beer or buy super expensive vacation like it doesn't even really cross our minds anymore we have once but we just are really good at not acting on them anymore exactly and really like when we go on vacation for example because you guys know we love to travel even though you haven't seen a ton of that because I started this channel after I started school and ruin our lives but normally you like to travel a lot and hopefully we get to go on a trip soon but we'll stay in a less expensive hotel or even an air B&B and explore that country and have the same amazing time that we would have we're staying in a five-star hotel of course that hotel is probably more comfortable more luxurious but really is it worth spending five or ten times more than we would spend for a cheap air B&B but I'm going off on a tangent but I just wanted to say that there is balance so maybe we save in Airbnb for eight days and then we stay in a nice hotel for the last two days yeah my closing statements are if you're one of guaranteed get into CRNAs score nursing school if you want to finish school without debt and if you want to get the highest paying job as a CRNA when you graduate you need to go subscribe to my channel oh I wonder what you're gonna say when you said guaranteed to get into CRNA school I was like oh don't say that okay I already showed use channel the beginning if you haven't subscribed already make sure you subscribe now because you know we want to help them yeah a thousand that's all I'm asking for it and I'm like right there almost there it's right there yeah so subscribe to this channel and I hope you guys have a great week see you later