Tag Archives: financial advice

How to Save Money In College

**How to Save Money In College**



View Time:9:52Minutes



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This video covers the 6 tips for saving money in college. Whether you are in college now, or will be soon, it’s important to understand your personal finances and how you can optimize your savings and financial knowledge for after school. Learning how to save money in college now will be especially beneficial as you move through college and into your career.

Many college students struggle with not having enough money, overspending, and constantly feeling broke.

This video will give you a few ways you can make extra income, save money on school expenses, as well as book recommendations for personal finance.

Here is a brief overview of the 6 tips.

1. Set a budget

2. Find a part time job.

3. Avoid tempting credit card offers while in college.

4. Avoid new textbooks, and buying at your bookstore.

5. Learn the basics of financial literacy.

6. Understand your student loans.

Those were the 6 tips and make sure you stay to the end and get the bonus information we provide you on saving for retirement.
in this video I'm going to cover six tips on how you can save money while you're in college the first is to set a budget the most important part in establishing your spending plan is analyzing what your income will be per month whether it be money from your parents student loans or best yet a part-time job this should only take 20 to 30 minutes and you should do at the beginning of the semester or quarter your actual expenses might change a little for month-to-month but the most important part is that you have a general outline to follow you'll want to focus on how much you can spend on food entertainment transportation and books for the semester once you see everything together you can figure out what you can cut down on to save a certain amount if you are a freshman living in the dorms you will most likely be required to buy a dining hall meal plan and this will be creating your spending plan a little easier but one thing I watch out for is how much you go out to eat with friends because this will add up quickly when you enter into college you will finally be on your own and will be responsible for your own finances take this time in college when you have a limited income to build good habits now one great way to tackle all your spending is by using the free app and online service mint this is not a sponsored video or anything but rather something I personally used to keep track of my own finances tip number two is to find a part-time job a great way to improve your spending plan is by obtaining a part-time job while you're in college a part-time job will give you extra income to do fun things with friends go out to eat travel on the weekend eat healthier and more luxuriously than mac and cheese or Top Ramen one of the most convenient places to work at is your school on-campus jobs are perfect for students because these jobs are typically more flexible with your school schedule you can find on-campus jobs at your gym bookstore restaurants dining hall or grading for professors another option you might want to consider is becoming an RA or Resident Advisor for the doors of your school after your first year this is a great option for students looking to save money on room and board because most schools will give you free housing and exchange for being an RA which can easily save you ten thousand dollars for the year number three is to steer clear of tempting credit card offers by the banks on your campus although it is important to build credit if you're trying to finance a car or get an apartment waiting till you graduate college and having a monthly income is most likely the best decision for most students it's important to realize that credit cards are not free money whenever you spend on a credit card you will need to pay off at the end of the month the difference between a debit card and a credit card is that with a credit card you are billed at the end of the month for your spending whereas a debit card is linked to your checking account and the money comes out immediately if you use your credit cards and maybe buy a meal each month and you always pay it off then awesome you'll build credit and won't gather any fees or interest payments but many students go overboard since they don't have to pay the money back immediately tip number 4 is to not buy new textbooks and ideally don't buy it from a University's bookstore you should always rent buy used bar from a friend or find a free PDF version you can save hundreds of dollars each quarter or semester simply by renting or purchasing used textbooks which can add up to at least a thousand if not more in savings over the course of your college career just to show you an example I looked up a book called fundamentals of engineering thermodynamics a required book for mechanical engineering students at the University Bookstore I checked out it was $200 to buy used and 228 to buy new that same book sells used for 150 on Amazon and you can rent it on Amazon for $50 there's also Chegg which is a popular site to rent books a website I personally used with slug books comm all you do is type in the book you want to look up and it lists up a bunch of different websites and tells you the prices of the book at all of them and whether it's to rent it or to buy it in addition to buying used textbooks you should always wait to buy the book until you attend the first class session to see if you actually need the textbook first week of every quarter or semester is primarily used for taking attendance and going over the syllabus and with services like Amazon and Chegg they can get you a textbook in two days there's really no need to buy the textbook ahead of time unless the professor specifically tells you there will be homework due in the first week of the term lastly if you think you will very rarely need the textbook and don't want to rent or buy the book your library should have a couple copies on reserve however it is important to know that come midterms and finals week you and your classmates might be competing to check out the same book number five is to learn financial literacy begin investing in yourself and start learning the basics of financial literacy the best way to do this is through personal finance books and podcast reading for recreation is often a challenge during the school year because of the volume of reading assignments homework papers and labs so an alternative is listening to books on audible or listen to podcasts while you are walking in a class start educating yourself on the basic retirement accounts like an IRA and a 401k when I started my first job as an engineer the second day I just set up my 401k once I got to the page I needed it gave me options to invest in small cap stocks large cap stocks bond international equities and more and my boss as well as yours will not explain this to you it's all on you luckily there's often an option for you to set a year you will likely retire so for those starting out it might be a 40 year plan and they invest the money for you but if you have more experience in this then you can control where your investments go and I don't know about everyone else as an engineer no class I ever took taught me about investing stocks or bonds but luckily I taught myself a little about this before graduating if not I would have had no idea what any of these terms meant you should learn the difference between a Roth and a traditional IRA or 401k and possibly start investing when you come across some extra cash the most important part is you know the basics of financial literacy you are ready for when you graduate college three books that I found helpful and understanding the basics of personal finance include I will teach you to be rich the Total Money Makeover and money master the game just by reading these books you will pick up the basics and be prepared to be financially responsible for when you graduate college and last is to understand your student loans when planning your spending plan you want to look at how much money you will need for school one huge mistake students make is that they take out more student loans than they actually need unlike any other loan student loans stay with you forever until they are paid off you cannot declare bankruptcy on them and make them go away like you could a car loan it's important to look into which loans you qualify for know the interest rates and always know the principle balance you owe let's break this down if you have student loans at 7% interest per year and have to pay them off in 10 years here's what your monthly payments would look like and just remember how much your interest increases the total you'll pay over the 10 years so for example if you take out $40,000 in loans at 7% at the monthly payment over 10 years you'll pay fifty five thousand six hundred and eighty dollars that means you pay 39 percent more than what you took out seven percent didn't seem so bad but it's more than you probably think and look at this if you can manage to take out 30k instead and pay it off over ten years you'll pay a total of about $42,000 so look at that by taking out ten thousand dollars less than student loans you spend over thirteen thousand dollars less over the ten years so you see every scholarship every early payment taking that are a job for free room and board or renting the textbooks will seriously help to saving X amount on loans now really means you're saving more later on and just a disclaimer know that there are different types of loans out there and you will likely have many with different interest rates so make sure you know what applies to you in addition students should not take out more student loans than their projected first year annual income when you get to college is a good idea to go to your financial aid center at your school at least one to two times a year so you can stay up-to-date on information about your student loans grants you might be eligible for and scholarships if you are getting student loans you will need to apply for FAFSA every year and lastly it's important to know who your loan provider is what type of loans you're receiving and how much you are taking out every quarter or semester in conclusion it's crucial for students to implement good spending behaviors early no one is going to learn personal finance for you start with these financial tips and grow from here and as a final tip one thing that gets overlooked by young people because retirement feels so far away is that they don't start saving as soon as possible remember if you put $1,000 into a retirement account at 20 years old it will be worth around fifteen thousand dollars that retirement if the market does well doesn't seem like a lot but starting early allows that compounding interest to happen even faster this will be covered extensively in the personal finance books listed before but it is never too early to set aside money for your retirement we live in a time where retirement age is being pushed back and where social security pensions will be a thing of the past the simplest approach to personal finance and savings for retirement is using the 80/20 rule using 80% of your earnings on your bills and expenses then 10% for long term savings and 10% on yourself if you liked this video don't forget to Like and subscribe and I'll see you all next time you

How To SAVE Money in a Long Distance Relationship (LDR)

**How To SAVE Money in a Long Distance Relationship (LDR)**



View Time:6:4Minutes



Here we talk about how we save money for flights, accomodations, and other things we have to pay for LDR. Google Flights is one of our go-to search engines for price tracking and cheapest flights. Saving money is good as well as trying to earn more with the time you are not together with your partner. Hope this helps you guys!



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#LDRfinance #LongDistanceRelationship #VictorxGrace #LDR
hey guys hey guys hey guys in today's video we'll be talking about another advice for video for you guys we know that LDR can be quite expensive with all the flights and all the accommodation that you guys are traveling together but here are top tips in order for you guys to save money and figure out things financially together as a couple yes and hence will help you see each other more often more often yes so the very first point that we want to tell you guys is that always look for cheap flights or as well as book things in advance yes like maybe three to six months earlier if you're able to state that out of time for this mm-hmm yeah the further away you plan out your trips together or the visitation together the cheaper it is for flights for me actually found a really good price for this trip for this trip so did you put a ticket six months ago nothing's even more even more I think it's right after November right after November first time meeting and yeah it was very cheap so I booked there anyway 7 months 7 months in advance yeah it was at least 60% off the so keep that in mind do price tracking as well Google flights does that a lot and even maybe like different websites always try to find the cheapest flight doesn't mean that you can try to find the most efficient flight as well because you don't want to be traveling for 30 hours and like different layover 's through those sheep right and that's gonna cut into your vacation time you will have to like and you yeah number to look through your yearly calendar in check when is your holidays and when are you able to have your vacation time that's right because with that you use less vacation time especially if you have a full-time job useless to me a vacation time to make sure that you use those holidays together and you book more days together very much yeah it's a good way of saving money as well because if you book that in advance very advance even though it's a holiday speaking yet fairly cheap price for accommodations food yeah that's true following that the third tip nice advice that we want to give you is all we should find cheaper ways to go about different cities so let's say you're together maybe take a train or bus if it's not convenient try to find the best price let's say car rentals for us it's very convenient for us to rent a car because we have luggages everywhere yeah and we and we lesson learned taking a train it's very hard if you have a big luggage with you yeah and business take you like yeah come on always yeah yeah it is tiring but so far convenience and cheapest way booked in advance helps too because normally they don't have sales that yet so let's say six months prior you booked a rental already and that would be more to than you would booking a month in advance and before number four do some extra work do something so work yes do some extra work to save more money to get or earn more money save more money in my case I get I can use it as Bank time so I can travel more I can use it for more or we can go places together more true extra work meaning you can save that up to your upcoming flight or you if maybe you guys I'm gonna have a nice dinner together number five cut down some unnecessary expense so in my case I'll say don't buy too many cool I know it's hard for girls but I do a smart thing I would say they do lightly skirt if he doesn't like it and I I don't want you to buy and so he can be another like the third voice you can try the other one okay how they stop the impulsive shyam falls yeah dude does that apply to me to the impose you don't do something no try to embrace the idea of minimalism just whatever things that make me happier lay what is useful to my life and what makes a thing a person that makes me happy so I try to just keep the things that is useful and reason would make me happy in one way I spend the money the things that you need another way of saving up to is always try to find things on sale for the things that you need or you can even go in use markets let's say me I want to get a drone I don't need brand new I just need a good working use one because it's gonna be worked all the way through anyways and yeah they're still trying to find a good price drone yeah yeah find something in the use market if you can good condition and good price and sell the thing you are now you you're not going anymore yes sell the things that you're not gonna use anymore it helps with your cost and saving up as well thank you and that's about it we hope that helped you guys if you guys have any more ideas comment down below share with us we'd love to try it as well because we're all up to saving and seeing each other more yeah and we'll see you guys in the next video bye our airport transfer is here is it I think

Saving Money As A Couple 2019

**Saving Money As A Couple 2019**



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How To Save Money as a couple | $250000 Saved Tips for Saving Money When You Have Low Income Tackle High-Interest Debt First In order to start saving …

HOW TO SAVE & BUDGET MONEY| I Saved $35,000 in 5 years| Tres Chic Mama

**HOW TO SAVE & BUDGET MONEY| I Saved $35,000 in 5 years| Tres Chic Mama**



View Time:17:37Minutes



Hey guys! Today’s video is all about how to save and budget money! I set myself up well before I had my baby and wanted to share with you some of my money saving tips and talk about credit as well! Sign up for Credit Sesame here:



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Hey everyone!! If you are new here, let me introduce myself! My name is Hayley and I have a 1 year old named Sydney!! I am a single mom who loves doing mommy and me vlogs, lifestyle vlogs, working on my mommy and makeup youtube channels, fashion, home decor, food and all things baby! I exclusively breastfed/breastfeed my daughter so I made breastfeeding videos, labor & delivery videos, baby must haves and all things pregnancy and mommy & baby! Make sure you subscribe so you don’t miss out on any videos in the future! I’m so grateful for all of your support!! I love you all! xo

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FTC This video is sponsored by Credit Sesame
hey guys welcome back to my channel in today's video I'm gonna be talking a lot about finances how to budget money how to save money this topic is a very hot topic on my channel because I am a single mom and I do own my own house and there's been a lot and I don't work a ton outside of YouTube and I don't have a crazy amount of following so those are always curious about how I do it financially and I'm going to be here to tell you some tips and tricks on how I've saved up money so if you enjoy this type of video give it a thumbs up and make sure you are subscribed I saved 35,000 dollars approximately it might have been more than that but that's the number that's sticking my hat I saved about thirty five thousand dollars in five years I paid off my car I bought this place when I was 27 years old without a cosigner I have a very good credit score that allowed me to you know kind of do all the things that I'm able to do right now and I just want to talk to you guys about financial freedom if you will and how to kind of start going in the right direction so if you guys are interested in knowing about how I kind of have done all of those things financially and how I'm able to live the life that I am right now then make sure you give the video a thumbs up and we'll jump right into it I graduated college eight years ago and when I graduated eight years ago I had absolutely no money in my savings account I had no money to my name I was just working to pay the bills and had no savings very very minimal I don't think I had a savings account at one point I had three jobs so I was working as a waitress and then at two different retail shops I worked at Abercrombie and gap I was working my butt off constantly and spending money on clothes because I always wanted to be the next person or I would watch you know TV and social media and just wanted to have that item I wanted this item who wanted to look pretty so I wanted to buy this and what buy that so I was constantly just spending my money like I would pay my bills first but I would constantly spend my money you know to get the next fix because I like things and I still like things don't get me wrong but I just always like I was seeking the next thing because I wanted to you know feel better about myself or whatever after college I ended up moving and I had no money in my savings account but I had a pretty hefty rent and bills to pay so I ended up just making a goal for myself I put wrote down every single bill that I knew I was gonna have and I rounded up on all of them I budgeted it out my gas money and my grocery money like everything that I do that was gonna happen have that I was gonna have for a bill I budgeted out and then I took that number and I said I want to have that much in my savings at all times something that will be at least one month's worth of bills I need to have that in my savings so I set that goal the first tip that I would say would be to save every single penny that you can put a goal in your head at what amount you want to start out with a start small you can have a end goal of huge obviously but start small and just work towards that small goal write it down somewhere the my first goal was $3,000 and I started saving all of my coins all of my bottles I started couponing and using cash back apps and budgeting and not shopping as much and even though it was very tempting so within a one year I surpassed my goal of $3,000 and ended up saving $5,000 the next thing I want to talk about is building your credit score and knowing your credit score in order to be feel financially free and kind of be financially free I'm using that term like let you know what I mean by that so basically I knew nothing about credit for the longest time when I went to go buy my first car I had absolutely no credit because I was young and just didn't have loans under my name or anything like that so I had no credit but my mom was very smart and she said she was not going to co-sign a car loan for me because I was buying myself a brand new car which I actually still drive today and I have had for 11 years now still driving the same car that I got my own loan for and paid off like six years ago it took me five years to pay off my car but I did it all by myself credit is very important in my opinion in order to get car loans student loans houses like I you know this so this portion of the video is sponsored by credit Sesame comm and they are a website where you can go find your free credit score it does not hurt your credit to check your credit score you do not need a credit card or anything like that and you sign up a credit Sesame com they do have $50,000 worth of identity theft protection it's so much more than just knowing your credit score and finding out what it is there's a bunch of financial resources on there to help you kind of know your financial situation and hopefully better yours they give you all the tools for you to work under credit by yourself but knowing kind of what steps to take and where you're at financially so I started out again like I said with no credit getting my first car loan and whatnot and then after you know paying on your debt you start to build your credit and paying on it on time is a very big one first time I ever checked it I had no idea and it was not it was not very good I just didn't have much credit to begin with like longevity-wise and I didn't really know how I was doing and your deadly show all of that stuff checking it and it wasn't that great so I was determined to build my credit so I ended up building my credit by putting gas groceries a couple of little bills on my credit on my credit card and paying it off every single month I'm not a financial expert and I this is what I did to be on my credit score and I can run that 100% tell you this worked for me I went from having like a not very great credit or credit score to a very excellent credit score within five years and no Joe I mean five years might sound like a long time but this was like five years of my life of building my credit from 20 to 25 you know I ended up buying this condo when I was 27 years old I found out what my credit score was and it was extremely excellent let's just put it that way I have a very very good credit score because I've worked my butt off on saving money paying on my all paying all my bills on time putting a little bit on my credit card every single month let's hang it right off so I established credit that way knowing your credit score is a very important tool to know kind of where you're at financially and if you're going to need loans for emergency situations or god forbid you need like four brand new tires when the dental work you need something done you know the doctors then another tip that I do constantly is liquid in my means you guys this shirt I cannot tell you what about it at least seven years ago that will admit that I have a shopping addiction I love shopping I love buying things but you know financially right now it's just not in the cards for me and it will be in the future I'll be able to shop with the freedom that I that I desire but currently I'm just living within my means Sidney wears a lot of hand-me-downs lately I wear a ton of clothes that are older I do obviously buy us things when I can but I make sure I budget my money I write down and make sure I know every single bill every single month and add that all up I budget for groceries and gas and oil like all of all of those things you know I'll know what what I have in my bank account to pay on my bills so I ended up having 16 weeks off unpaid maternity leave and then I went back to work and then unexpectedly I also had to taken their leave of absence and I had another four months off so I actually had eight months out of 15 months off which is absolutely crazy and that was all unpaid I lived on my saving in order to build my savings account I started by saving all of my coins then all of my bottles and then I saved my tax return even if it was like just very minimal like a couple hundred dollars I would just put it in my savings account and acted like I didn't have that money and that's all I did for the longest time was coins bottles and tax return just boom save this account obviously did not have a child so I was able to just kind of work as much as I possibly could as a bartender waitress retail anything that I could I used you know coupon websites I was a major major couponer anything that I and I still an anything that I don't have to spend a penny on I'm not going to I'm gonna get all the free things that I can and I'm going like I check all of my apps and my coupon websites and print print them all like if I'm buying something specific I look at the prices and I compare you know things that I named Bryn things to generic things and I will definitely save my money where I can I was able to buy this place with my own financial means at 27 years old because having of having checking and knowing my credit score and building my credit score and me I had a very large savings very large savings from doing all of those little things in order to save every time possibly could obviously my goal as you guys know is to become an influencer full-time and yes you do make money on YouTube you do make money as an influencer you actually have several several different ways you can make money in avenues you can if you're interested in that I can totally make it an entire separate video on how to make money I'm kind of doing what I'm doing I know there are so many videos out there that kind of expressed that but I'm very transparent you guys know this is what I want to do I'm able to only work about 12 to 15 hours on at my job and then the rest of my work is actually here on YouTube and you know the social media things and making money that way so here I am 31 years old single mom to a toddler I own my own place I own my own car and it's been paid off for six years now I still drive the same one you know I just try to live within my means it would be amazing to have a nice new car but I would also have a nice fat payment to go with that so I honestly save where I can and splurge when I want to or if I'm able to and if I'm not then I have to suck it up and say that's not my goal today my goal today is to provide food and heat and clothes on our back and you know that's where we're asked just two years ago got my first bed frame as ridiculous as that sounds it's that's why I haven't done a house tour because my house is not finished I don't have a nightstand I have like $10 cheap put together little nightstand stand tables because I just you know if I can't afford it financially and what I desire is that I'm not gonna be spending my money on things that I don't don't aren't a necessity so I spend my money you know on necessities and what I want and if I want to splurge on makeup or I want to splurge and go buy or coffee here and there is a balloons because I budgeted my money so like strictly another thing is to pay off your debt before I build my credit credit score and before I kind of knew about that I was just racking up a credit card bill and paying the minimum every single month so that's not gonna get you anywhere because the interest rates are crazy so I ended up starting to say okay so my first goal is to pay off this credit card and I just put a large chunk of I would pay I mean it wasn't even a huge credit credit card but I would like put a large chunk of money down every single month instead of paying the minimum and I jacked it up and I said okay so instead the minimum which is like 15 bucks a month I would pay a hundred dollars every single month so I work my butt off to pay $100 on that every one and then for my car payment I would round up instead of paying like 269 and some change I would round up to 275 or to 300 every time that I could and that also helped take interest away from that car payment so I was paying less in the long run if you know if far as now goes and then just be a hustler making that you can make money and save money everywhere you can think of how many times you go out to eat think of any any habits spending habits instead of going out to eat and buying a three dollar soda or a ten dollar alcoholic beverage I'll just get water and I know it's not as fun sometimes but hey it's it's what it is or don't go to eat all together and make home-cooked meals and stretch your budget that way so cooking at home is another big one don't go to eat and spend you know unnecessary money if that's something that you want to do as a luxury fine budget for it but if you're in a financial tight spot then just maybe maybe don't go out to eat as much or don't go out to eat it at all because honestly Sidney and I never go out to eat it's just something where you know I'm honest on a tight budget so that's where I cut it out we don't go out to eat I don't drink a lot of you know alcohol I might buy bottle wine a month maybe maybe here and there but if I you know financially cannot afford it I just don't buy liquor and I obviously I do not smoke so there's another you know financial thing I actually just recently cancelled my cable and I'm saving myself another $100 a month so anything that is not a necessity look at everything that you're spending every single month I was sickened to find out and very embarrassed to know that I was paying $1 a month for cable and I didn't know it I just was paying my bill for cable and internet every single month because it was always the same and I would just pay it and then finally very recently I looked at my bill and realized exactly what I was paying and I said oh man I am spending a hundred hours on cable when I don't need it I have Netflix we don't need it there's other ways to have fun entertainment so I actually recently cancelled cable and I'm so so happy I made that decision and also gym memberships canceling the gym membership site you're not using that a recurring we all you all know that a lot of us sign up for them and then never use them but still pay the bill now used clothes and toys there are so many different websites now and places that you can sell all of your used you know or gently used items and you can get back money at consignment shops and things like that so make sure you're utilizing all of the tools you can to save money and to earn money every penny counts I cannot stress that enough every penny counts I have used to feel so ridiculous just ten dollars in my savings account and guess what that ten dollars went from 10.1 from actually I went from zero dollars in my savings account to thirty-five thousand dollars in my savings account within five years because I worked my butt off and I put even if it was once a week I went in and just put ten dollars here ten dollars there bottles here coins you know as a waitress you get tons of waitressing bartender you get a ton of coins and instead of spending that I would put it in my things account so if I go to the grocery store and say I'm paying in cash and my bill is twenty five and some change because it's a small one I'll give them all of the dollar bills but then any jingle change that I get back I throw at home I throw in a bucket and I'll put all of my coins in the savings no matter what and I'm telling you it adds up you guys you might not think it does but it truly adds up it got me to where I am today and it's no joke obviously you have to work work your butt off and make money somehow alright guys so that's my rambly like mention of how i've gotten to where an ad working towards my dream of becoming a work from home stay at home and I'm able to do that all because your remember checkout credits lets me know that you can find out your credit score and kind of learn how you can better your financial situation that way make sure you check them out if you're interested if there's anything else you guys are interested in knowing ask me down in the questions down below don't be fearful on how you're going to do it just set that goal write it down put out on your fridge and make a small goal and work towards that goal and crush it and then get to the next goal and crush it make little financial goals if your first goal is to save a hundred dollars or to pay down you know pay a bill that you've been holding on to for a while then save every penny you possibly can to pay that one bill and check it off your list I hope this video was informational for you I hope it was inspiring I find these types of videos inspiring to know that someone could go from zero dollars to very comfortably living and taking care of their financial means all by themselves it's very empowering don't be afraid of money don't be afraid of debt don't be afraid of your your bills and how are you gonna do it all you have to do is set your mind to a goal and do it know that you're gonna be financial free someday you have to change your mindset as well and just believe that you are financially free and able to not stress about the next film because you are going to do it somehow you're gonna be able to save that money are you guys you guys video a thumbs up if you enjoyed it make sure you are subscribed to my channel I will be back very soon with another video thank you so much for watching I'll catch you guys in the next one bye