Tag Archives: frugal

💰My MINIMALIST Money Saving Tips / FRUGAL Money Tips (LESS is MORE)

**💰My MINIMALIST Money Saving Tips / FRUGAL Money Tips (LESS is MORE)**



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So you want to save money like a minimalist?? You want to learn more frugal living tips?? Well this video goes over my frugal lifestyle everyday of how to save money from just a few cents to thousands of dollars.

1. Library 0:43
2. Water at restaurants 1:09
3. Leftovers from restaurants 1:37
4. Survey for gas 2:34
5. No food at movies 3:32
6. Ninja at movies 4:26
7. 2 meals a day 5:06
8. Keep money in MM 6:27
9. Use credit cards 7:11
10. YouTube as entertainment 9:06
11. Video games are cheap entertainment 10:17
12. Walking around block for leg day instead of gym 11:01
13. Planet fitness massage chairs instead of chiropractor 12:07
14. Investing personally instead of using someone else 13:34
15. Use high interest savings accounts as much as possible 15:21

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I am sure that you have heard of multiple other frugal living tips how to save money and everything like that but we're going to be talking about a little bit more specific things that I love probably a little bit more than I should to actually save money and if you want things a little bit quicker I'll leave timestamps in the description so you could jump around to what you might seem interested in hey guys how's it going and thanks for coming I'm Nick and this is real life money where we get you debt free so you could start making some real money and start living a real life so frugal living tips there's always ways to save money we're going over a bunch of them in this video so let's get started the first tip that I do a lot like usually every weekend is go to the library I just like this to one you can get free movies you could get free books you can get free audiobooks which I really love I learned a bunch of this financial education stuff over the years investing saving money real estate or really anything you get like a college degree while just driving to work next couple of tips are involving restaurants now obviously I would try to avoid restaurants because they are a bit expensive but every so often going out isn't horrible so if you do go out to restaurant number two would be just ordering water not appetizers and desserts basically so I always get water one just because it's healthy for you right I don't like getting soda and everything like that so it is healthier and it's also cheaper but focusing more on the food going on to the number three is just to make things easy let's say it's like $12 for something that's a little bit pricey for food that you could probably get in a supermarket for you know probably few bucks several bucks whatever well sometimes these entrees are actually larger than well everything is larger than a serving size we all want more but what I sometimes do is actually eat half of the on yeah entree and then I use the other half or like leftovers for the next day so that $12 meal ends up being split into two meals which is six dollars and six dollars when you're looking at six bucks it's actually not to bed of course you have to factor in the tip and everything but still it's saving you half the cost number four I do every single week I think I'm smooth about it but this is surveying the area for gas and I'm talking about gas prices I am NOT talking about going five towns over to get two cents cheaper on a gas what I do I just survey throughout the day so when I go to work I look at all the gas stations that are pests and then I go home like a separate way and then you kind of just look at the cheapest one so if let's say the cheapest one is coming back from work then I just go to that gas station when I go to work the next day I mean you kind of hope that that that cheap price is still there but again you just survey the area see what's cheaper you're not going to save a million dollars this way it makes me happy if I save you know a few cents especially when you don't have to you got to get gas anyway that's what I do next couple is with kind of geared toward entertainment which is the movies number five would be just simply no food while going to the movies now we all love going to the movies to see whatever is out there my personal I loved inception or interstellar and I like movies that make you think because not many people do that anymore anyway you know when I was a kid I always got like popcorn and you get soda and everything like that as I got older I actually don't eat anything at the movies most likely you're going to have lunch before after the movie so there's food for you or you're probably going to like dinner and then a movie or a movie and then dinner like you're gonna have food close to the movie so you don't need that extra food one you save money but it's also healthier for you and that's what I like number six is being a little sneaky if you wish to bring some type of snack to the movies what especially what my brother does he loves those sour gummy worm things so you go to the dollar store which is a dollar you pick up a box or two versus if you get candy at the actual theater is like five dollars so you know you're saving a few bucks there which is very nice and then you simply slip that into your back pocket or something like that no one really cares and then you just go into the movie theater you save money on your candy and you still enjoy your movie now before we're moving into number seven which I've recently adapted and I'm actually saving a bunch of money with it if any of these are like relatable to you or do you have any separate ones that you love doing to save money definitely leave them in the comments section below to help others out save money just like you but anyway number seven we're talking about basically skipping a meal or combining meals let's just say most people they go breakfast lunch and dinner you got to take time and money for each of those meals so obviously I usually do this during the weekend because you have a little bit more time I kind of have a later breakfast and an earlier lunch so you combined one giant meal like a brunch I guess you can call it so one meal it takes less time it's less money and then you just have maybe like a smaller dinner later on in the day so you're not wasting your time and money on two meals you're combining both of them and I think that's great during weekends because it just saves you it's not only the money part but it's also time you want time to relax during the weekend or do anything that you actually like to do so I think this is actually a great tip number eight which I get a lot of joy from for whatever reason and I don't think a lot of people utilize this as much as they should a lot of people have no idea to focus on their bank accounts I focus a lot on my bank account so I put most of my money in a money market account right now I'm getting like 2% rates could be dropping so it might not stay like that but I'm keeping all my money in a money market or most of my money in a money market account to get interest instead of like a savings account that doesn't really give anything or your checking account which gives absolutely nothing so no matter if you're getting you know a few extra bucks in your money market I keep it all in there so as we're talking about money markets we're gonna be moving into number nine is using credit cards a lot of people are gonna hate that you Dave Ramsey fans I completely understand for most people they're horrible things you just spend a ridiculous amount you don't even think about it and you lose a lot of money like that and this cash back option is what hit people even more because hey spend more save more spend yes spend more you save more no that's dumb don't fall into that trap but if you're smart and wise and could actually manage your money a little bit that's why I personally like it is that one I get cash back on credit cards again you're not going to become a millionaire from it but I get a few bucks back of just necessary purchases by the way I'm not just spending more to get more cash back I spend it on gas food that's it and wile I pay that money back every single month by the way never pay money on interest just pay it off every single month I set that up with my money market account so going back to number eight so I try to keep all my money in my money market account I schedule the credit card payment for let's say the 25th so I keep all the money in the 25th and when that comes around there's an automatic transfer from my money market to pay off my credit cards it is probably insignificant I might save a few cents maybe few bucks depending on the amount of the bill but when you keep that money in that account as long as possible you maximize your interest if your frugal this could definitely make you happy a normal person probably won't so if you're liking these so far and you're not a normal person whatsoever just like myself give this video a thumbs up if any of these are helping you so let's move on right into number 10 which is entertainment I think entertainment is very very important because of course we got to enjoy life a little bit but a lot of people spend way too much money on entertainment they go out every weekend they go to concerts all the time and trips all over the world and I'm not saying to not do that but when you really enjoy the small things that's what life could be about so for my entertainment I actually find a lot of entertainment on just YouTube I'm crazy enough I think I find myself entertaining sometimes but just other channels not only no financial channels I'm into video games so I watch that maybe some cooking maybe some people falling down stairs or whatever you find interesting YouTube is a great platform because it's free it's entertaining and you could definitely it's like a part of a community you could leave comments piggybacking off of entertainment number 11 I used to be a huge video game nerd in school still play it not as much thank God it consumed my life but that is a pretty cheap form of entertainment for me personally I enjoy it and you really especially if you're into like older games you could enjoy for hours days weeks even years after spending 10 20 30 dollars and then you're just entertained forever so that's why I enjoy video games and I usually play with my brother so it's good quality time as well number 12 I just started thinking about this it kind of works it really depends on the type person you are but this is I am involved with a gym membership and I do believe that people should be active possibly go to the gym if you want to save a few bucks there by all means but I do like going to the gym every so often to just stay active lift some weights just to you have one body you got to take care of it however to save a few bucks and this is just to like save money on gas essentially to not go to the gym for a leg day or if you just want to like walk around instead of driving there driving back if the gym is far from you you save even more money miles on your car you just walk around your block it's quicker you walk around your block around your neighborhood you could walk with someone you get outside instead of just staying inside all the time and just enjoy it that way number 13 which I recently got into sticking with the gym idea sponsored by Planet Fitness no I'm kidding maybe in the future but I do go to Planet Fitness so if you guys do plan on going to like a cheap gym it's ten dollars a month to take care of yourself for ten dollars a month that's not expensive that's actually very very cheap so I actually have the black card membership and I'll tell you why because I have an office job and I had some back problems and in the past and I used to go to a chiropractor so no I go to the chiropractor he cracks your back you get scared you think you're gonna get paralyzed he breaks your neck and everything and that's not cheap chiropractors I mean the one I went to have forgot the exact price but they could definitely get up there especially when you go there often some people go weekly I used to go monthly but you know you spend a couple hundred bucks will Planet Fitness Black Card membership has massage chairs so for an extra ten dollars a month I kind of have a chiropractic massage on my back for just ten dollars you enjoy it you say down so you save actually a good amount of money might not be like to the maximum benefit of a chiropractor but it's better than nothing so that's what I like to do next number of 14 of course i goddess peaked on my investing side is I personally invest my money versus using some like a financial adviser to save me money well they don't save your money at all really because you're gonna pay them expenses you're going to pay them fees so you're overpaying for usually under performance if you guys are interested in investing of course I have other videos like that but a lot of people have no idea so they pay these people which usually aren't the best so I usually just invest my own money a lot of people just love index funds and you could save a ton of money that way just fun fact for you something that I found disgusting 401ks if your company you know provides this for you you would want to save for retirement and everything the average person for a 401k pays a hundred fifty thousand dollars in fees without even knowing when I found that out I thought that was disgusting because they're just fees for the 401k there are fees for mutual funds when you minimize those fees you know that could be saving you hundreds thousands tens of thousands or even more throughout your life especially with compound interest and everything like that so that's why I just invests in my own investments even just like Vanguard because their fees are very very low that's a huge benefit of being frugal that I love it's not only being frugal it's just a smart way to invest and the next thing that I like saving money is more of just like accounts of high interest savings accounts or any other types of investments so if you don't want to let's say in best for you no more risky things this is more on the safe side so you can get into money market accounts kind of mention this a little bit before but it is separate from a savings account they kind of have benefits of both the checking and a savings I go to a credit union definitely recommend it because they're not for-profit and you can get more interest better rates even forever other things like mortgage car car loans or anything like that so definitely recommend a credit union and they have good money market accounts so I like money market accounts versus like a savings account if you're into t-bills that's investing in let's say like the government you could invest like one two three months I'm not going into much with that just interest rates are really weird right now it doesn't make sense to invest in them right now because like a lot of money market accounts are actually paying the same as a t-bill so right now might not make sense now that's just me personally some of these make complete sense some of them make no sense so you would have to make the decision on that whether you like that or just hate some ideas I do believe that you know saving a few cents doesn't always make sense since since anyway I would actually recommend because we have limited time sometimes I would actually spend more money to save time so that's something that I would definitely leave you off to think about so if you guys have any questions comments concerns please leave them down below I love would love to hear what you have to say so thank you so much for watching guys really appreciate it and I'll see you in the next one

FEEL your way to Debt FREEDOM

**FEEL your way to Debt FREEDOM**



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F.E.E.L. your way to debt freedom. It’s a four step process to get out of debt. In this video I outline the FEEL technique, and describe how you can use it to get (and keep) yourself on the path to being debt free.

#DebtFreeDana #FrugalLiving

How We Stopped Living Paycheck to Paycheck

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Hey there! I’m Dana. I’m a wife and Mother to 4 kids, including twin boys and two girls. I work full time outside the home in finance as a Corporate Accountant, but enjoy sharing my personal and parenting journey online. We live in the Philadelphia area.

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‘Marty Gots a Plan’ by Kevin MacLeod (incompetech.com)
Licensed under Creative Commons: By Attribution 3.0

(sighing) – Hey, guys, it's Dana and
it's time to talk about money and in this video I wanted to talk about how to FEEL your way to debt freedom. (bell ringing) Now, actually in our family,
I am not the feelings person. I am more of the practical one and my husband is the
sensitive, feelings based, one in our relationship,
so kids always say, mommy is the mean one and
daddy is the nice one, sort of something along those lines. So, anyway, feelings. Getting in touch with your feelings. That is not something
that I'm fantastic at. However, this is not about
that kind of feeling, this is an acronym, FEEL is an acronym. I find at work everywhere I go, there are acronyms everywhere and sometimes I cannot stand them, because everything has been
shortened down into an acronym. However, I was listening to
the "Bigger Pockets" podcast which is one of the
podcasts that I listen to and they were talking about this acronym that they had come up with
and they were using it in regards to real estate investing and I think it's really
relevant to getting out of debt. I find that this acronym
helped with that as well, I think it's the exact
same thing you need to do to get out of debt, to pay off everything as fast as you can. All right, so I wanted to
share this acronym with you. FEEL, which is F, F stands for focus. In order to get out of debt,
you really need to focus on what it is you're doing on your goal, your why, why are you doing it? Just like anything you're
trying to accomplish, absolutely anything, if
you do not focus on it, it is not going to happen. You must focus on it, just
like when you were dating your spouse, most likely
when you were dating them, you were really focused on them and you were spending
all your time with them, your friends were probably yelling at you, hey, you never spend time with me anymore, that's 'cause you were
focused on that person and you ended up marrying them, right? And when you first have a baby, you're focused on your
newborn baby as you should be, so, things, in order to do well at things or to get them accomplished,
you need to focus on them, so, if you're trying to pay off debt, then you have to focus on it. Not obsess over it, but
focus on it as a goal, every single day, it's
something you have to have top of mind and whether
that means putting up some kind of board in your house, carrying a piece of paper
around in your wallet with you or just having conversations
everyday, listening to different podcasts
that relate to money, watching "Debt Free Dana" on YouTube, however it is, that you can,
you need to focus on it. Have it be something
you're thinking about. Correct? 'Cause otherwise you're
just gonna be like, yeah, whatever and it's
just gonna slip away and you're not gonna ever get there. So, the first is F for focus. Second is E and that is
for educate yourself. Educate yourself on best practices. Listen to others who have done it. Listen to people or read books
on how to get out of debt, what's the best plan,
something that has worked for millions and millions of people, you need to educate yourself
on how others have gotten to where you wanna get. Same thing with getting debt free. I followed Dave Ramsey's "Baby Steps" and that has worked for our family, it's worked for millions of others, but of course there are
other programs out there that you could follow, but just make sure that you are educating yourself on how others have done it. And I really like to listen to
a lot of different podcasts, I like to learn as much as I can and I try to read non-fiction books. I'm trying to learn from others
who have been successful. And who have done things that I wanna do. If I wanna be a black belt in karate, I have to train with a black belt. Someone who's gotten there, how have they done it,
I can't just read a book and suddenly become a
black belt in karate. Correct? So I need to learn from those who have done it, best practices. The third E is to execute. You have to execute on that plan. You have to follow the steps. If you don't, if you just
listen to a lot of podcasts, which I will raise my hand and say that for about a year, I was listening to the Dave Ramsey podcast, and we were not doing the steps. We just, we weren't doing it. We were not following
it and for some reason, it didn't even occur to me to follow it, I just was like, oh, this is entertaining, that's for other people,
and we didn't do it and then until one day, if
you see that video of mine out there one day, I realized, oh my gosh, we have, we have to do
this, this is for us. We have to actually do the steps. So, this is the same thing, if you know how to do something, because you've read the books, you've listened to
others, and you're like, oh, yeah, I know how to do that, but if you're not
actually doing it yourself then it's not going to happen. You have to execute it as prescribed, follow the steps as
you are being taught to and don't skip steps, don't
try to do it your own way, because your own way has not been working, otherwise you wouldn't be
looking for help elsewhere, correct? So, you need to execute on the steps. All right and then the very
last one is to learn, it's L, learn from your mistakes. Because you are going to make mistakes. Absolutely, you're gonna make mistakes. And when you make those mistakes, don't beat yourself up. Just try to learn from it
and then you can pivot, make certain shifts, try to change, try to correct things that you don't make that same mistake again. Obviously you don't want to continue to make the same mistake. You need to learn from that mistake and correct things that you can continue to move forward. And then just repeat,
repeat, repeat, repeat. Just continue to do, to do it. Just keep on the path and
I heard someone recently, doing their "Debt Free
Scream" Monday, Ramsey show, and they were saying that they believe that the key to getting out of debt, which I actually really agree with this, 'cause I would say the key is persistence. You have to continue to
keep your foot on that path, because I fully believe
the enemy is going to try to pull you off, drag
you off, push you off, and you have to try to stay on it, but they were saying it's
not necessarily persistence, but it is patience. Patience is the key, because
it is going to take time. Some amount of time and it's
very hard for many of us to have that patience
to stick with the plan, even when we fall down, get knocked off and we screw up, it's very
difficult to stay patient and to stick with it and
keep going, keep going, keep going 'til you reach the end goal. And eventually, you'll reach
it if you just don't give up and you have that patience for it. So, yes, patience is the key, right? Repeat, repeat, repeat,
keep following the steps and keep going, keep moving
forward towards your goal. All right, so that's the
FEEL acronym, like I said, I just really liked it, I
think that it's very relevant and I think that, that's
exactly how you get outta debt. That is the roadmap for debt freedom. If you can follow those
steps then you'll get there and then why do you wanna get out of debt? We wanna get out of debt so
that we don't have payments, so that all the money you're
earning, your income is yours to do what you want to do
with it, gives you choices, you can invest, you can save for whatever you wanna save for, you're not giving your hard
earned money to the bank or to someone else, so, owing
money definitely is a form of slavery and I just, it is
something within your spirit and so, I think when you get out of debt, it just gives you so many
more choices, options in life, freedom, literal freedom. So that is exactly why, so, all right. Hope that is helpful to you in some way. If it's your first time
here, be sure to subscribe, I'm here every single Tuesday,
talking all about money and we are a family of six,
living in the Philadelphia area and that's it, I'll talk
to you guys next week, bye.

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