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A Day in the Life PART 2 (Frugal Family of 8!)

**A Day in the Life PART 2 (Frugal Family of 8!)**



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Here is PART 2 of A Day In The (Frugal) Life! Be sure to watch PART 1 first here:

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hey phoebs nation it's jordan page from fun cheaper free calm and today is part two of a day in the frugal life oh yeah two weeks ago you saw part one and you loved it so much I decided to come back with part two if you have not watched part one you got to go back and watch it what I do is walk you through an entire day a real day in my life but I show you all of the many many ways that my family stays organized and saves money so go back and watch that first I will link it below but I'm just gonna pick right up where we left off with part two was doing call me excessive but our house has a lot of square footage and so our power bill can be astronomical if we're not careful I have it that we have created in our helps is to turn off the lights every time you leave a room shut the doors because it traps the heat or the cool where you want it also I double check my thermostats every time I walk away just to make sure the heat or air is not still on but one thing you might want to consider too is smart thermostats our house is not new it is actually it's over 20 years old and we had didn't come in and replace all of our thermostat with smart ones and so we can set them up on a schedule certain times of day that everything turns off and on in case we forget and that has been really helpful I believe I still have a coupon code for Vivint if you want to look into it we love it it's our security system also so I will link that below as you guys have seen and our other return reef routine videos our rule which means Bubba and I is the last one to leave the bed makes it Bubba was the last one to leave the bed this morning and he made it kind of I feel like if you haven't made bed your whole room looks cleaner even though I have stuff all over the floors so I'm actually gonna take 30 seconds and make this nice it gets really cold here in Utah and our room is like all windows and so it can get really cold or really hot in here one of the things that we do is we put blackout curtains in so that in the summer it keeps it really cool in here so we don't have to run the air in the winter we have a lot of blankets on our bed so at night we stay warm yeah I'm just gonna go ahead and make this real quick make it look a little nice okay now that my bed is made I'm gonna take a few minutes and get ready for the day and I can't believe I'm showing you this but this is part of my process clothing is one thing that I love I have a lot of it I like a lot of options I'm not a capsule wardrobe person by any shape of the imagination I like a lot of options and I have the space for it but I don't want to spend a lot of money so I can't believe I'm showing you this but one thing that I do seeing is how we are transitioning from from summer into fall winter is how do I turn this darn thing around hold on I like to rotate my clothes so right now I'm going through my closet and pulling out all of my spring and summer clothes I am currently just putting them in a pile Here I am making a separate pile of all the things that I didn't wear that I need to get rid of and the way that I know whether I wore them or not is I flip my hanger around when I hang the item back up so if I grab something to wear it when I go to return it to the closet I flip the hanger so then when it comes time to rotate my closet I can look at anything that isn't flipped and know that I should probably get rid of it and give it to someone else keep pile I've got kind of a toss or donate pile going here and then this is the bin that has fall winter clothes in it and I'm taking those out and then I will replace all of my fall winter stuff with my spring summer stuff I'm always keeping tabs on what I have is it worth keeping and it feels like Paulding new wardrobe every six months or so and I really I find that it cuts down on my desire or need to go shopping very often so that is one way that I save a lot of money and then in terms of the clothes that I buy if you guys follow me on Instagram I like to share my outfits with you but most of my stuff is from TJ Maxx or Ross Amazon and then otherwise shop and that have daily deals stuff like that I'm pretty simple I do not like to spend a lot in my clothes but I like them to look nice and stainer my work block is about to start and if you guys know anything you know that I live and die by my blog schedule system I've got a video about it link below and stay tuned you guys I'm so excited for the last few months we have been working on a block schedule planner and they are coming to market so soon hopefully as early as January 2020 right in time for the new year so stay tuned and I have designed the most amazing planner for you guys to help you organize your blocks and get your to dues done during the day too okay but I'm not ready yet I made a few mistakes today number one normally I get dressed very first thing when I wake up I didn't do that today and I am NOT ready for the day yet but you know what I was filming today and everything takes longer and part of the block schedule system is being flexible so I'm going to catch up on some work stuff and while I'm reading emails or watching Marco Polo's or doing things that don't need my hands I will be doing my makeup and multitasking and it's going to be just fine there's not a lot that I'll be able to show you while I'm working but when it comes to doing my makeup I am a big believer in mixing normal like drugstore everyday makeup and name-brand more high-end makeup in fact even for my foundation I literally blend a board of Maybelline matte poreless foundation with a high-end Lancome foundation I do one little squirt of each so I literally do both ignore that basket of clothes that need to be put away at least the bed is made right one thing I'm doing I'm getting ready is setting my girls preschool up on autopay I don't like having to manually pay for something every month because then there's a chance that if I forget then I'll be slapped with a late fee and those add up if we can budget for it I like to pay for something all the way up front so I don't have payments but in this case since it's a full school year we are going to pay one month at a time so it's not such a big chunk but I am setting it up on auto pay so the first of every month it automatically drafts from my account and I can even schedule a day for the payments to end so I don't accidentally overpay by a month also if I'm drafting automatically from my bank account versus a credit card it saves me about a 6% processing fee so I'm doing all those things right now in the long run it definitely saves some coin chips cheese [Applause] hello Davey's about to head off to school you eating some good lunch okay say goodbye have a good day I said hello and goodbye to the girls I'm gonna keep working and finishing my [Applause] [Applause] [Applause] it is a lunchtime I am starving and today for lunch I'm eating leftovers we went out with some friends this weekend and we had a gift card so we went to Macaroni Grill I got so full off of their free bread and bottomless soup I pretty much about to take home my whole entree so I am eating that for lunch I cannot wait I'm so hungry love is here it's not mmm but what did you do for lunch I had a business meeting and it was paid for by the person who took me out what so we're both eating out for lunch and both of us didn't have to pay anything today for it I mean I bought it at one point but her 1 kiloton ended two maybe three it'll be three nice work and now we're sitting next to each other working Oh our little hour of work aren't we cute alright I just laid McEwan down whoa whoa whoa for his afternoon nap though he's just partying in his beds I don't know if he's actually gonna sleep the kids are about to walk through the door any minute from school so we are gonna get an after school snack going and then I got a rush my daughter off to dance and then we'll do dinner and we'll go from there the calm before the storm enjoy it's the second and that didn't last for long hi Guys hi Guys hi guys so here's Priya she's getting ready for dance she's got a late night tonight so she is packing her own little dinner to eat it dance to tighten her over till she can come home we buy the big packs from Costco so we don't have to go through a drive-through show you how we keep them warm so when you have these little contigo containers whoops that we got from Costco and you just put a folded napkin or paper towel on the bottom you know what go get a second one I think that's too full if you put hot food in them it will remain hot seriously all day it's like amazing so this is how we pack leftovers or real food for lunch or dinner I just dropped Priya off at dance and I just wanted to take a quick minute to talk about extracurricular activities because my gosh they can really add up and be expensive I actually did an entire video on budgeting for and how to afford or how to know whether you can afford extracurricular activities for your kids or not so I will link that below but for me a few things that we do to save money because extracurriculars for us are really important even though we have a big family we've got six kids and another two on the way we feel like we don't want the size of our family to hinder our kids abilities to develop their talents and to do and try the things that they want to do and try all of my kids do their activities at the same place so any of my kids who want to dance we chose one studio and they all dance their each sibling gets a discount on their class each month so the first sibling is full price but then each subsequent siblings are discounted we also save up throughout the year and then pay for the full year in advance for classes and costumes which is a big chunk of money up front but then we get a big discount we hand our dance shoes or as many dance items down as possible or we go buy them used from a place like kid to kid where you can get sporting equipment that's used and then otherwise I have a lot of chips in that video that I will link below now it's time to head home and get to the crazy time to get it dinner wrong it is 4:30 I've got my chicken it was cooked I shredded it up and then I'm basically going to divide it into ooh fourths depending on how much I need two servings for the two casseroles tonight and then one or two servings for the freezer we'll see how far I can stretch it one of the things that we have done to cut down on extracurricular costs is we canceled all of our music lessons because the piano lessons we're getting astronomical because they were like 30 dollars per lesson for a 30-minute lesson per kid for a week it was just it was crazy instead we found a couple music apps one of them is called simply piano and it's $10 per month and it teaches the kids how to play piano with the iPad and it has been great and then there's one called use ition like y-o-u and that one you can actually have other instruments and Priya likes to use it to do voice lessons because she loves to sing we have saved a ton of money this year not doing lessons it's a temporary fix I do think they will need to do lessons when they're a little bit older but for right now it would just really helped us cut down on stuff almost everything you see in this room including the piano itself with all secondhand globes from a yard sale the piano we bought throughs and lots of eyes these were wedding gifts that's above as old guitar from high school right which one at a trade show for tech companies you know people do an easy contest where it's like you drop your business card in a bowl but but I had to like take a picture playing air guitar tweet it you did you like five steps and he was one of the only people who did it and got a really nice guitar these are all secondhand our Halloween decor was purchased after Halloween's to a grocery store actually and they had all of their Halloween stuff on clearance because it was already November and then otherwise a lot of them were like I said from yard sales but I just went shopping in our basement we have a cold storage or cold yeah cold storage cold room in our basement if you build a house make sure they build a cold storage room it's usually like under a deck or a front door or a garage that's normally wasted space and then it stays nice and cold concrete walls and you can store food in there we like to buy extras of things so when I go to the store if pastas on sale I would buy one for now and at least two for later or as many as I can afford depending on how good the sale is and what my budget is that week and it slowly built a stockpile also we will stock up during case lot sales which is where grocery stores will have like a week where instead of buying per can or per package or per bottle you can buy a whole case of usually between 6 or more cans or containers and you get a big discount on that stock up drink a slot sales and keep our own little store in the baseline so everything I need for dinner tonight I did not derive to the store for I like to keep a stash of disposable baking pans I like having various sizes but this 9 by 13 is typically what I use these are also really good for taking dinners to people or for pies or cornbread things like that they are pretty inexpensive you can get them pretty much at any grocery store or in bulk on Amazon so then when I double a meal I can freeze it in something that isn't glass this is kind of a funny frugal tip but one nonetheless is I like to keep little mini spatulas on hand of various shapes and sizes because then when you have a can of something you can get in there and scrape every drop out again sometimes you think those little pennies don't add up but they do you paid for your using it scrape every drum I have another tip for bulk food if you've got a big container of sour cream or cottage cheese turn the container upside down once it's been opened it helps create a better airtight seal on the lid and it helps it last longer and then of course like I mentioned earlier once you get about halfway down the container you're going to want to put it in a smaller container it will make it last longer dinner is done and in the oven I've got two bags of shredded cooked chicken that are ready for the freezer that I can then pull out to make an easy meal in the future I have got my second chicken spaghetti meal ready to go for the freezer I am feeling pretty good about life and the best part is with this meal it only dirtied one pot and one slow cooker so all things considered it was very simple for veggies I have not been to the grocery store today later tonight I'm actually gonna sit down and order my groceries to do a grocery pickup tomorrow the easiest way for me to keep track of my budget because then as I add things to my cart I can make sure I'm within my $200 a week budget the budget recommendation I have for families as $100 per person in your family per month so for my family that would be $800 a month and then you just divide it by week now if you only have one or two of you in your family you would want to start at 300 dollars go up from there so tonight I'm gonna sit down and order my groceries to pick up tomorrow I didn't have time to do that today I'm a little skimpy on fresh veggies so I'm gonna do some frozen peas some frozen corn and then some leftover salad from the other night we're gonna call it a day are you boys up to over here what fixing it yourself instead of taking it to a shop okay so you bought these lights at Walmart and he's teaching how to do it installing in themselves and Hutch finished his mandatory chores or obligations if you will today and so he's been working with Bubba for about an hour so he is earning allowance our kids have daily like mandatory things they have to do that's on their clipboards you kind of have seen our clipboard system I will link that below and then above and beyond that day can earn allowance so he gets a couple bucks for working for an hour with dad so there you go nice work kay dinner's ready another random little frugal tip is at night we give each of our kids a different colored plate Priya's not here which is why we only have four but I make sure there are different colors so that if somebody doesn't finish their there's like a pile of food sitting on someone's plate we know whose it is and we can wrap it up and save it for them for later if they don't get any snacks but they're welcome to reheat their dinner and finish that later if they want a little tip for your parents another frugal thing we do which is kind of funny is if we get takeout or order pizza or whatever and it comes with napkins instead of throwing them away because we hate that it's wasteful we actually keep them and hold on to them we just have this little pile of perfectly good but to shovelled napkin for dinner or whatever it is this was from catering that we ordered for an event they left behind all the napkins and all of the silverware so we reuse these and give them to our kids right $3.99 we actually have our kids shower together I have my three little kids in a shower until they get old enough that it's inappropriate but they're all young and so and we keep an eye on them but it consolidates water then they're in and out in like a couple of minutes and all of them are clean at once they even can help brush each other's hair and wash each other off and it's really great so that's actually something we do otherwise if we were doing six individual shower actually eight individual showers every single night our water mellowed be through the roof and that's a lot of ways so call us crazy ones what we do that's pretty much a day in the life nothing too exciting now got home from Dan Smith Priya cut her some dinner put her to bed Bev and I cleaned up a bit and now we are headed to bed because we are pooped so hopefully that was helpful to show you some of the ways that we save money day to day one of the things I didn't get to today was grocery shopping and I figured I wouldn't so I am going to get ready for bed and then lay in bed and order my groceries on my phone just for grocery pick up at Walmart tomorrow because it doesn't cost anything extra as long as your order is $30 or more which mine will be drop my kids off at school swing by a Walmart they'll load up my groceries and I'm done hopefully that was helpful if it was will you give it a thumbs up please leave a comment below I'm curious to know you do any of these same frugal things or what frugal things you do on a day to day basis now if you guys don't mind I gotta get to bed I'm pooped frugal mama oh hi guys you're supposed to be sleeping you should be sleeping remember say I love you

WOW Still Growing in TX~!! (12.15.18) Garden Update - DIY Homestead Zero Waste Minimalist

**WOW Still Growing in TX~!! (12.15.18) Garden Update – DIY Homestead Zero Waste Minimalist**



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more than everybody this Marc Crawford sustainable frugal living and it is December 15th we're getting some sunshine as you can see it's really not that cold but I got thin Bloods covered up anyway I wanted to give you a quick update of our garden we've been somewhat successful come with me we'll check it out ok this is our new structure here that we created with the free pallets we got videos on that you can check out we've got the landscape fabric inside blind inside with compost we actually we have the the core Google method they call it the kugel I guess and there's like say there's videos on that the rest of it filled up with compost now look at the earlier video you would have seen this was full of cucumbers against this welded wire here and we were able to harvest quite a few cucumbers and Teresa has pickled four deal pickles and bread-and-butter pickles I think they call him was really cool and then the rest of them had in our salads against end over there we had ochre plants we had ochre plants over the over there as well okra plants didn't make it we've got a little bit of harvest from the okra but not month I mainly just the small ones for salads the the freezes that we had we had some early freezes here in Texas as well as across the country as the second freeze pretty much did in the okra plants and killed them so the rest here were snap beans and they were Bush beans and we've got we got a lot of those those were very delicious very good and then we had some world crow planted down here you'll see in the other video but anyway this been I plants root in the soil that actually adds to the nitrogen to the soil as it breaks down and I tilled it up at chicken manure compost in this area out it with leaves and so that one's put to bed for the winter that one's done now this bed over here we had tomato plants here and we probably got maybe a dozen tomatoes off of that and of course the like I said the okra plants were here they froze out and died we got a few but the tomatoes we actually had to plant the we had to harvest the tomato plants before the second freeze because we knew it was going to be a hard one and would kill them so several probably about six half-a-dozen of the tomatoes we had to put in the house and let them just ripen in there the rest of all this is beets and they're our root crop so they've done well through the freeze they've been okay and still growing healthy and strong as you can see here we did an intense planning method with the beets so they're not gonna be real large or over in this area here we have our carrots and again we did an intensive planting for our carrots which you can go either way if you do the regular spacing you'll get the larger carrots if you do intensive spacing like this you get more carrots but you're going to get the smaller salad size carrots that's what we were going for here another reason we weren't really sure how well they would do and you can see here they did very very well and it awesome one of the videos I meant 'add what they look like they look pathetic after the thunderstorm is beat them down but obviously they all came back very very well so we've got lots of basically baby carrots over here the last bed of our four new ones it is you can see put to bed do the same thing over here with the compost and leaves put to bed the only thing is we left is the sugar pea plant the one sugar pea plant that we didn't tie up to the welded wire we just left it on its own and it actually survived if you look in the earlier videos we had like three or four plants here that we're just hanging down I'm pretty sure what I did wrong on these just for your knowledge is I planted them too shallow and so they grew but the roots weren't very deep and that was detrimental to the plants so they didn't make it but this one here we we just kept kind of pushing up this way so it would stay out of the dirt and it actually survived there's a couple of plants there and this one actually has some sugar peas on it to harvest I'll show you one maybe you can see one right there this one right here that one right there is ready to harvest but doesn't have a whole lot on it but the one surviving sugar pea plant okay that's it for our new area let's go into the existing garden structure over here check it out our existing garden structure but actually they're all existing this is our older garden structure along with the UV tarp on it or shade cloth the hydroponics was a pathetic disaster we're just busy with the livestock and different things so we're going to let this go until next spring we put pearl light in it and that was a big mistake it's just a lot better with gravel we've we've done it with gravel before and didn't have the gravel to put in until we had lots of pearl light as you can see the bag over there and we got bags over here or perlite so the issue with the perlite is make some ass floats too easily it gets down into the orifices where it drains into the tub and that's a big issue so we're gonna go back to the pea gravel on this I'm sure it'll be a lot better anyway let's take a look right over here we've got these are some transplants from the cups we actually germinated from seed and then transplanted on me here this is spinach you can see there we've got about a half a dozen spinach plants and they're doing real well very good plants and the rest of this is more radish we planted a lot of radish one reason is because radish is very easy to grow and as you can tell here this is pretty much ready to harvest we're going to harvest most of this today if not all of it I said in earlier videos we love radish with barbacoa tacos and salads I love it I mean some people it's not for them it may not be for you but it gives your salads a little bite a little spice and it's healthy very good for you my favourite is in barbacoa tacos with onions cilantro that's the best so anyway let me pull one of these up and you can see without pulling them up here you can see you can see them right there they get that one that's what we're looking at see how big that one is anyway we've got quite a few of them in there time to harvest we'll give some to family we'll eat a bunch and over in this bed we have some broccoli which has just been tore up by the pests you can see just tore up this there's still barely hanging on but I don't think they're gonna make it through the winter and the rest of this bed is yet to be composted and we're gonna put some chicken manure or compost in this on the top of it fill it in and put leaves on it same way put it to bed for the winter get rid of all of them the weeds anyway thanks for watching the video again this is Mark Crawford with sustainable through the living we do our share our videos all of our videos are listed as Creative Commons use which means feel free to share them no copyright infringement or anything like that we are sustainable through the living the idea is to help others 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💰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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‘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.

How to bake bread! EASIEST bread recipe ever! (Fail proof!)

**How to bake bread! EASIEST bread recipe ever! (Fail proof!)**



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Freebs, I have found the best, easiest, and most delicious bread recipe ever! I make it with simple white flour to cut and use for toast and sandwich bread, but you …