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How to Save Money In College

**How to Save Money In College**



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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 - Tips That Grew our Savings to 400,000 | Build Wealth

**How to Save Money – Tips That Grew our Savings to 400,000 | Build Wealth**



View Time:13:14Minutes



We’re sharing our strategies for how to save money that helped us save over $400,000. If you want to know how to become wealthy, the key is to set financial goals and manage your money with intention. That means budgeting and investing your money wisely.

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today we're gonna talk about what it takes to save $400,000 hi I'm Joseph and I'm Tasha with one big happy life and we hope you find balance build wealth and live happy everything that you need to create the life that you want now before we dive into today's video we wanted to personally invite you to our brand new money masterclass the four essential keys to creating your financial dream life so this masterclass is gonna be all about giving you the financial tools and strategies that you need to create a money plan for the life that you actually want to live so you definitely don't want to miss out head on over to one big happy life dot-com forward slash masterclass to join us there live for all the good stuff yeah so this is the last time this year that we'll be offering a free live masterclass so you definitely want to go over and reserve your spot go to one big happy life comm slash masterclass and we'll see you next week right up front fYI poor Joseph is sick he is taking one for the team right now shooting this video with me for you guys so there may be some sniffles along the way just excuse there was one but alright so to kick this video off we wanted to start by taking a trip down memory lane right because we didn't always have a four hundred thousand dollar nest egg once upon a time he had zero so we actually started saving back in you know around 2011 and we eat yeah because for a long time we were in school especially me you know she worked for a little while outside because you know the Marine over here but we did do a lot of Education and while it would have been great for us to go ahead and put something away for a rainy day or retirement we didn't do that what we're in school yeah so we started in 2011 like a hundred dollars a month each and then it took us about four years to save our first hundred thousand now along the way we got employer matching and we always made sure to increase our savings every single year but then only about two years later we hit 200,000 and we actually did a video on it so definitely check that one out because I mean the the jumps from starting out to when you start really making some huge leaps it's a little bit different and it and it's really really fun yeah so then we hit three hundred and fifty thousand just earlier this year in May of 2019 there's also video about that we'll drop that down below so you can watch the whole journey which is awesome and now we are at four hundred thousand dollars which is really incredible I won't say though but the thing that we won't say is it's not unexpected right this is what we've been planning for from the very beginning we expect it to be exactly here exactly now and so we're gonna be sharing some of the strategies that you can implement in your life to create your wealth building plan yeah and so even when we started our savings way back in 2011 we still had the goals of when we were going to have a million dollars and we wanted to have a million dollars by the time I was 40 and so that is certainly still on the table even though like markets have been up and down and all that kind of stuffs going on but because we have made that that commitment and that we're definitely saving and we've saved enough and started to get more and more aggressive you know we're gonna hit that goal I feel certain yeah our millionaire target date is 2025 so that's about six years away so here's what's awesome also about hitting this four hundred thousand dollar milestone it means that we've pre-funded our retirement account so if we stopped saving investing today because all of this money is invested it's not sitting in a safe that's invested if we stop saving today investing today assuming an average rate of return of eight percent and the market has averaged ten over the past thirty years then we'll have four million dollars at retirement so we could stop saving today and retire very comfortably just on the nest egg that we've managed to amass up to now which is our like mid mid to late 30s and of course we don't intend to stop investing and saving that money for retirement but now each dollar that we're investing does one of two things or both it either increases the lifestyle that we can have when we're in retirement or it can let us retire earlier just depending on what we feel like at the time so let's talk a little bit about keys to success right and some of these are financial principles and some are kind of mindset money planning principles so we're gonna start with the mindset money planning stuff because really that is where it all starts so number one no one believed that you actually can build wealth we see so many comments of people saying things like oh I wish or oh wouldn't that be nice but the reality reality is that you absolutely can build wealth but it's about making the decision that you are going to start making choices in your life to help facilitate that like I just sent an email out to our newsletter and if you haven't joined you should head on over to one big happy live.com and sign up but talking about the five hundred and sixty-six thousand dollar mistake that I made which is that when I was 18 years old I didn't start saving $100 a month back then if I had I would have an extra half a million in my retirement account account at traditional retirement age just a hundred dollars a month and I absolutely could have saved $100 a month back then had I been more responsible with my money even though I was only making $14,000 a year I totally could have saved $100 a month yeah and kind of going hand-in-hand with that mindset that the belief that you can build wealth no matter what position you're in is then the next step making that commitment to start that saving and in any amount of success is broken down into habits and getting better habits create more success and so even starting small investing a little bit of money starts that habit and like Tasha said if she had started when she was 18 the habit doesn't have to be huge just a hundred dollars and has mega impact a half a million at retirement is a lot of it so we're gonna pause just gonna check on what's happening with the puppy hold on a minute all right now he's back so next you're gonna want to actually crunch the numbers so we see a lot where people talk about they feel like they're not gonna be able to accomplish this or that financial goal but understand that the great thing about personal finance right is that you can in theory take all the feelings out of it and start by actually just looking at the numbers so we teach in wolf Builders Academy how to know your numbers so you don't have to feel like you can't save you can look at your numbers and start crunching them so that you can see first of all exactly how much you need to save because you don't necessarily have to hit the same savings goals as us right you want to make a plan that is tailored to you and then also see where in your budget you can tweak and out completely outside of your feelings and sticking entirely in the numbers so the first step to getting rid of those feelings of overwhelm and feeling like you can't do with this or that thing is to start by understanding and knowing what you can factually and actually do according to your numbers yeah and of course Tasha's dancing around one of the other things that you need to do which is take those numbers and incorporate them into your plan so your budget specifically hopefully your one year spending plan because that is the best way to get your overall picture of what's gonna happen for the entire year and make sure that something is not gonna come up that unexpectedly later on because you have a full year plan for that alright so now that we've talked a little bit about some of the mindset type issues and you should definitely check out the other videos that we have done in this series because we have been sharing golden nuggets along the way now we can talk about some really specific financial principles that we've that we employ one of the things that we've done to ensure that our nest egg is growing the way that it should be we've taken a look at which accounts we have been investing in and made some strategic rollover its meaning we've taken money from one type of account and moved it over to another and the reason that you might want to do this is looking for investments that have lower fees or just better returns and recently we have had both happen to us so we moved some money from one of Tasha's retirement plans into another because it had better returns and and a lot more options for investing on top of that and then we are about to make another rollover away from an investing company that says they're gonna start charging us $250 per quarter when they're not advising us they're doing nothing or money's just sitting there and some ETFs so we're gonna move it over somewhere else that doesn't have any fees so the next thing and we talk about this a lot because it's a big one if you crunch your numbers and you recognize that based on your current I am also sick and I'm on the verge of sneezing hold it hard time you mean our current house okay so based on your current financial picture if you look at your numbers and you're not able to hit your minimum savings rate you're not able to hit those savings goals then one of your best bets is to look for ways that you can grow your income and that doesn't necessarily mean side hustling it could mean and we highly recommend growing your income in your day job another thing that you should definitely do to help your in saving and investing habit is to go ahead and automate your savings so contact your employer's HR department if it's that big or just your boss and say hey I would really like my retirement investing to just come straight out of my paycheck where I don't even have to think about it and then have it just go immediately into the investments that you want hopefully you have that option as well the more steps that you can take out of your decision-making process the better it is and so you can you know make these decisions when you are you know best equipped to decide hey this is plan as opposed to you payday when you got that money you're like oh my gosh it's payday I want to go do this I'm gonna go out and this is hard to make those decisions so go ahead and automate it have automatic transfers so much better and then lastly don't be afraid to reevaluate your goals as necessary so a few years ago when Joseph and I decided that we wanted to bump up our minimum savings we were actually thinking that we might go ahead and retire early like retire in our 40s with just a million but over the years our vision for our lives has really changed and we realized that we enjoy doing things that cost more money things like being able to travel internationally even right now it's once a year but maybe multiple times a year things like being able to donate generously to causes that we believe in and so for us just stopping at that million and then retiring and living on like thirty thousand dollars a year which is very valid but you know we've just decided to pivot and so for us that meant we're not gonna stop working in our forties we're gonna push on probably to our 60s and Beyond and so the choice that we made is okay how can we live fulfilling enriching happy lives and continue to work and continue continue to build our nest egg in a way that makes sense and feels very natural and authentic to us yeah all right I hope that you take all this advice and our experiences to heart and can save however much you want for your retirement dream life and don't forget to sign up for the money master class at one big happy live.com slash masterclass see you next week right

Why saving money doesn't work.  (And what does...)

**Why saving money doesn't work. (And what does…)**



View Time:10:48Minutes



Ex-Google TechLead tells you why saving money doesn’t work. Check out Ting mobile service for a cheaper pay-per-use cellphone plan and get $25 off your bill:

Should you buy that $5 latte? Quite frankly, it’s just not going to matter. We all know that $5 never changed anyone’s life. But it’s not about the money. Rather, it’s the mindset of consumption that will be your ruin.

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hey template here and welcome to another episode of the tech lead I'll be your host a tech lead and for those of you who don't know me I am an ex-googler tech lead it is coffee time with the tech lead now given my level of success and as a multi-millionaire I believe that I not only have the credibility but the authority and the right to tell you about how you should and should not save your money how you should spend that money and when I'm here to tell you about is why I think that saving money doesn't really work should you be going out and buying five-dollar lattes is that okay whether I think about that and my reasoning for you is that sure it's fine go ahead go buy that latte it's not really going to make a difference Indian anyways it's really more about other things though you know for example if you were to go buy a shirt like this shirt there respect the Tecla shirt which you can go buy a 1995 link in the description below amazing quality is just not going to make a difference in your finances but to me what is really disturbing more is about that hunger you have for this shirt and how it's not going to release upside if you don't buy it right what's going to happen is you're going to steal my other stuff you're going to want boots you're gonna want shoes pants car right you still might want a Porsche a Louis Vuitton bag you still want the good stuff that high life and so my concern for you is that not buying that single shirt is just not going to solve the root of the problem that source of the problem that hunger that desire is still there and at some point in your life is going to crop up if several years from now you go and you buy yourself of the week wheat on hand back for a few thousand dollars that's going to wipe out all of the savings that you've had over the past few years simply because you never really quite solve that initial problem so if you want a shirt if you want the shirt then I recommend you just go buy it and you know Who am I to tell you how you can and cannot spend your money so to me saving is really all about the right habits and if you can come up with the right habits then over a long period of time say throughout your whole life is going to save you a ton of money when the example of this is actually your cell phone bill every month you may be paying $60 for it and that's fine here and there but if you calculate that and sum it up over your entire lifetime you're going to find out that it's actually costing you a ton of money and that's where our sponsor comes in I've got you guys set up with t-mobile check out my tech lighting calm ting is a pay-per-use cell phone plan provider so if you're using a contra cellphone plan where you have to pay like $50 a month $80 a month and you get a bunch of random stuff that you don't really need you may be paying for a ton of extras that you're not really using in your contract and you just have to pay that month after month like maybe you're getting unlimited texting which you don't really care about you don't really use that that much because these days you're just using apps like messenger Hangouts whatsapp and these days I also just use Google Hangouts to do my voice calling and they even data I don't use they thought that much most of the time idea on the Wi-Fi network when I'm at work we're at home so several years ago I moved over to a paper use phone plan and I got my whole family on this sort of plan as well so I would highly recommend that if you're not on paper use you check it out completely contract free they send you a SIM card for like a dollar you plug that in and then you're set to go I'm getting you guys $25 off your first bill tackling.com so on the topic of that habits another good one is to avoid drinking when you go out and I've managed to save so much money it's not just that one time cost right this is something that accumulates day after day month after month and over the course of your lifetime it really starts to add up learning to cook taking care of your health choosing your hobbies wisely and so we need to focus your own or not those one-time savings but the savings that can really add up over long periods of time and I think that's one reason why if you look at the old sites these deal sites maybe they save you a few bucks here and there but they don't really save you that much because it's just a one-time thing they're still fun to do but to me there's not so much a way of saving money as much as just a hobby I might also suggest that you ditch your stupid friends if they're the type of people who peer pressure you into buying high-end brands and materials and they laugh at you this is really just a lifestyle decision a lifestyle choice that can pay dividends over the long term by getting rid of unproductive people in your life now another tip I have for you here is to understand that there's more than one way to save money you can also save time because time is money your time is valuable it's worth something and it's easy for anybody to convert their time into money you just pick up a freelance job go drive some uber cars going up work Craigslist there's tons of people are willing to pay you for your time for skill list labor oh really and you can make some pretty good money that way and so if you were to just be able to free up a lot of time for ourselves to be able to do other tasks then that's another way you can save money in fact so the key here is avoid things that are highly time-consuming watching TV is one example of a hobby that is highly unproductive when I hear people say that they save money by stitching their cable and they switch over to Netflix because it's a few bucks cheaper a month they haven't saved much at all really because they're still spending all of their time watching TV and they may even be spending more time than that they may have actually lost money lost value that way to me it's not so much about self in few bucks a month but I'm concerned that that habit of watching TV for two hours or three hours a night every single night that's still there the habit of consumption and wasting tons of valuable time that's the elephant in the room that's still there what we're really looking here at is given that extra time and money that you're able to save what are you able to do with that and I would say for most people one goal is to start a side business and they can even be freelance work but once you have a side business you're able to take tax deductions on all this stuff if you're to go buy a laptop with a side business you automatically save like 30 to 40 percent just on the taxes on that stuff you know any business expense you start saving a lot of money on all this stuff it is better than any deal that you can find online and you need to keep in mind that $10 spent is not the same as ten dollars earned due to taxes right if you want to go spend ten dollars you actually have to earn like fifteen dollars or even twenty dollars for some people now another major tip I have for you here is to learn to leverage your family a lot of people like to ditch their families they think they're better than them and they just want to go up and make it on their own be all independent and all that but you end up wasting tons of money that way your family has a whole bunch of resources and you were living free on those resources before you decided to move out and so a lot of your personal expenses I'll say 50 to 100 percent of your personal expenses don't really need to be there housing is a big one it Trump's almost everything and if you were to live with your parents for a while you could save so much you know around here in Silicon Valley housing costs at least two thousand to four thousand dollars a month I pay four thousand dollars a month you imagine how much money I could save on that if I were to just go live with my parents I could be buying a Tesla every single year and still break even if I just chose to live at home your family may also have a bunch of appliances furniture vacuum cleaners spare cars all of that stuff can be shared these days it seems that everybody wants to be a professional chef because it's become consumer eyes you just go to William Sonoma everybody wants a high-end knife set everybody wants their high-end pots and pans you know all of this stuff can actually be shared though in reality if your parents have a really good pot or pen you just go bottle that if you have a really nice steak maybe once every month or so and what you want to go try and cook that another tip is really tracking your expenses and I mean really taking a look at them I know a lot of people they don't really check their monthly expenses they just kind of haphazardly do it but really took a look at where money is coming in and where it's going now and tracked each expense and question each one right like as we mentioned before your cell phone bill that's a pretty big chunk actually I would say for a lot of people it's like 60 to 100 dollars a month and you know you can question that like think about do you really need to be paying that Netflix is another one which I think a lot of people are paying for which you don't really need so much right like I don't subscribe to any TV services I just watch some basic YouTube i watch a few ads here and there and that's fine it's OK for me and I actually enjoy watching advertisements speaking of which check out tackle eating calm and you can also buy my shirt here a few years back I started to really look at my receipts at grocery stores and realized cookies granola bars cereal that stuff costs a lot those were some of my biggest expenses it would cost like ten dollars for a box of cookies and for ten bucks at a supermarket you can actually get like a steak or something like that so I used mint.com which we're not sponsored by but you know services like that you can check through all of your transactions across multiple credit cards I'm just watching off any outflow of money very carefully especially because I won this such that any time money leaves it is intentional another good habit is to learn to resell your stuff anything I buy i buy with the intention of reselling i save all of my boxes I keep the gear especially electronics in good condition and I regularly go on sites like eBay or Amazon sellers to resell my stuff and then the last tip here is about changing your mindset which i think is really the core of the problem you have to understand that not everything that glitters is gold in the sense all of us are already rich compared to people in lower rungs of society we just keep wanting more you know and that's really endless you just keep climbing that ladder of all these Jaguars Porsches or if it's clothing you want Deb Banana Republic diesel Burberry Louis Vuitton you just keep going up that ladder if you want to and what's really going on is you're getting into consume what sorry I call it that you get yourself into this cycle of consumers and where you just keep wanting and wanting more and that's the source of the problem you need to learn to stop wanting so much stuff right be focused on what you want know what you want and just get that only right but you don't want to keep getting yourself into the cycle where you want this you want that you just want everything and it's really aimless for myself I'm not really interested in consuming other people's stuff I like the producer side right I like to be the one making this stuff like this shirt and then I won't wear this right I don't really want to go wear a Louis Vuitton shirt I want to wear my own shirt as a photographer I don't want to buy other people's photos I want to frame my own pictures I take and as a video producer when I watch TV i watch my own videos so let me put it this way to me saving money is not about being cheap it's about the type of person you will become if you get overtaken by consumers and you get out of control that way right if you're always thinking about the latest brands which car you want which heart you're gonna drive which shoe you want to buy all the hobbies that you've taken up all of the TV shows and movies you're gonna go to the concerts the events it's all of that stuff that's going to cause the most damage for you because it's going to consume all of your time and you're not going to be able to produce you just become a pure consumer at that point that is the point of saving money it is to help you develop the right habits and mindset to avoid becoming a pure consumerist so says some limits for yourself and realized that it is not so much about saving a few pennies here and there it is about the lifestyle that you create for yourself let me know your top tips on saving money if you like the video give the like and subscribe and I'll see you next time bye

College Monthly Budget | How much Money ?  | LPU budget | Financial tips | Giveaway ?

**College Monthly Budget | How much Money ? | LPU budget | Financial tips | Giveaway ?**



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How to save money? (2019)

**How to save money? (2019)**



View Time:4:28Minutes



In this video you will get to know how you can save a handsome amount of money every month without changing much of your lifestyle.

You will also get to know how you can save money by applying just 3 simple tricks.

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