Tag Archives: how to save money for college

4chan /biz/’s Top 10 How To Save Money Tips

**4chan /biz/’s Top 10 How To Save Money Tips**



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Courtesy of 4chan /biz/, these are the top methods on how to save money. If you want to cut expenses in an extreme way, check out this tutorial on how to drastically reduce the amount of money you spend.

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Taken from frugal living threads on /biz/, I will show you the top 10 ways you can stop wasting money today. You need to save money for the future in order to have a baller funeral, and if you are serious about saving money this step-by-step “How to” guide will show you how to save money. 4chan /biz/ is the best place on the internet to learn ridiculous penny pinching methods and frugal living practices. Saving money is only one third of the money equation, and that is what is being covered in this video. You also need to generate income, but we’ll save that for the next one. If you are sick and tired of not saving enough money, follow each of these top 10 methods and you will be on your way to financial freedom! You can use these frugal tips to save money for a wedding, save money for college, or save money for retirement. Enact each of these steps into yourself, follow the money saving program and you will be wealthy in knowable and in cash! Tip #1 reveals the way to get the most out of investing in stocks. Tip #2 will show you how to save money on food! Nobody wants to waste money on free things like water and food. I will show you how to get your food for free to save money. Kids are expensive, so how do you save money while raising kids? Tip #3 will show you how to cut down on your children’s economic impact. Tip #4 will show you how to save money on your housing costs. Stop wasting your money on expensive mortgages just to impress dumb people. You can save money and have a comfortable life. Tip #5 is going to show business owners how to cut costs. What if I told you you can save 25% on your labor? Business owners can cut their expenses and save money with this one easy trick. I will also show you how to get free flowers! Tip #6 shows you how to use freebies while being romantic. Tip #7 teaches you to stop wasting money on vacations. You can save money on expensive vacations while still showing off on social media. For tip #8 I show you one simple money saving hack to save money on electricity. Stop wasting money on carpeting! Tip #9 shows you how to cut your carpet costs by 99%. You can even do it for free. Tip #10 is all about saving those precious electrons in your car battery. Don’t hemorrhage money while you are in your car. Instead, save money with this tip.
You're probably wondering how I got myself
in this situation. Let's start from the beginning. Do you want to save money? Here's 4chan /biz/'s top "how to save money" tips. The number 1 tip I have to give you is: Make
your money disappear. Take all the money from your bank account
and put it in your stock brokerage. You can't spend money if you don't have money. Choose a really long and confusing password
like this. Forget the answers to your security questions. Lock yourself out of the account and you can't
possibly spend money. Alright, here's my #2 tip. You're five biggest expenses in life are gonna
be the 5 C's. Cassa. College. Car. Kids. And food. Food is free. You don't need to spend a single cent on food,
and I'm gonna show you how. Before you eat food, drink a whole bunch of
water and you'll be less hungry. You never need to pay for water. Just take some water from a free water fountain. Fill up your jug, you're good. For eating, you can go to your local church
and get free food. Just tell them that you make less than $12,000
a year and they will give you free food. Church will probably not give enough food
to survive. So, you can go to fast food places and get
free condiments to supplement your nutrition. Look, I'm at Starbucks right now and we got
free mocha, free chocolate, free cinnamon, free vanilla, and we got free sugar right
here. That's important calories right there. If you start feeling light-headed, have an
ice cube. Or a ketchup packet. If you want to splurge, and go out to a restaurant
or fast food place, you still don't have to pay for the meal. Here's what you do: you go on tinder, or you
go on Plenty of Fish, or on /soc/. And you know, you make a date with some desperate
girl. You go, you eat your food, you eat like a
king, and then you make her pay for the date. If she gives you crap for not paying for the
date just be like "oh my god, I'm sorry I didn't bring my card, can you pay for this
one and I'll pay for the next one?" And that's how you get free food from any
restaurant you want. Kids are one of the top 5 expenses of your
life, and you can cut them out completely by not having kids at all. But, if you simply must, unavoidably have
to have kids, here's what you do. Make them go door to door selling products
like cheap popcorn that you buy from the store, or subscriptions to magazines, or anything. And with this method you can even profit from
your kids, it can even be profitable to have kids. You can even have the pyramid scheme of families. Have your kids have kids, and have their kids
have kids, and have all of them go door to door and get a percentage of the revenue from
all of them. And just be at the top of the pyramid of your
own family infinite money chain. These things come in handy all the time. If you're a business owner, I'm gonna show
you how to save 25% on your labor costs. People say that women only make 75 cents to
every dollar that a man makes. If that's true, you'd have to be absolutely
insane to hire a man. Go with the cheap labor, hire a woman. Anniversary? Here's how to get free flowers when you're
feeling romantic. Look, this guy doesn't look that important. Here's how to go on expensive vacations for
a fraction of the cost. So first thing you're gonna do is take some
3D glasses and push out the lenses on them. Next you're gonna print off an image of the
vacation of your choice. You can use color or black & white. I'm using black & white to save money. And you just tape these on the inside of the
glasses just like this. And it's as simple as that. Now you can bring these glasses wherever you
go and you can have a vacation wherever. Whether you're watching a stupid movie with
your stupid friends, or waiting in line at the social security office. You can even post about your vacation on Instagram
like this: take your glasses, flip them the other way, hold them up to the camera. I posted this picture on Facebook and I already
got 7 likes! To cut down on your electricity bill, turn
off your doorbell before you leave the house. Don't waste thousands of dollars carpeting
your house. Take two squares of carpet. And you tape them to your feet like this. Look at that, and you're all ready to go. This is what being smart looks like. Save electricity by driving without your headlights
on.

5 Easy Hacks to Save Money Fast (2019). Make Money Online!

**5 Easy Hacks to Save Money Fast (2019). Make Money Online!**



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Over 50% of adults do not have enough money saved to cover a $1000 emergency, so here are 5 simple tips on how to save more money, even with a low income.
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I was reading a study the other day which SHOCKED me, and I had to make a video on it. It discussed how the vast amount of Americans as well as people world wide have virtually zero savings. This means that if in the event of a minor life setback, they could lose everything. THIS IS NOT GOOD.

So I did a little more research as well as included a few of my own tips and life hacks, and I put together this video to help explain how you can save a lot more money faster than you think, even on a low income.

So if you’re interested in changing your life so you can make money online or work from home, or get rich online, you need to save some money up first so you can have the financial flexibility to do so.

I had to save up a small amount of money before I went off to make money on YouTube and make money on Amazon FBA and make money online, so I advise people to start saving theirs too. If only for an emergency situation. But you’ll need money to retire as well, so you need a solid savings plan that will work for you in the short term and in the long term.

So I hope you enjoy this vid, and make sure to check out my other videos where I talk about how to get rich online, work form home, and make money online fast!

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according to a recent survey of American workers nearly 80% of people say that they're living paycheck-to-paycheck meaning if there was ever any sort of emergency people would be unable to pay for their basic expenses like food rent and be able to live but the good thing is it is preventable according to a different study people are actually saving less and less of their total income every year and as of 2019 the average American is saving less than five percent of their total income this is all preventable if you understand how to do it and so in this video we're gonna talk about the five ways to start saving money fast and easily starting now all right guys first of all welcome to the channel if you're new here make sure you tap the little like and subscribe button cuz we go over all the best ways to not only save money but to make money and live a happier and healthier life so join the strongest family on YouTube by smashing that little subscribe button today we're gonna be talking about ways to start saving money and I know that might sound boring I know that might sound like something you don't want to do but trust me when I tell you that when you start to see that balance in your bank account growing it actually gets addictive and it'll be fun and you can actually start to turn that money that you're saving into more money passively that's how the economy works you have to have money to make money in a major way and so today we're gonna break down at the top five tips that you can start to use easily and immediately to start saving money fast and now starting with number five number five is introducing a new way to think about money instead of saying okay how much does that Gucci jacket cost a hundred dollars think about it like this how many hours does it cost right so if you make ten dollars an hour then that Gucci jacket doesn't cost a hundred dollars it costs ten hours of your life and when you start to think about new purchases and products and things that you're gonna potentially spend money on as hours of your life it really puts things into perspective and the truth is we all have a very limited amount of time on this earth and time is the most valuable resource so the next time you think about buying that brand new Gucci jacket to look lit in front of your friends think about it like this is it really worth 10 hours of your life a hundred hours of your life to actually buy that material thing that you may or may not ever even actually yes when I was younger I actually took this one step further instead of thinking about new purchases in terms of time I would literally think of new purchases as Chipotle when you realize that that brand new couch jacket that you've been wanting cost a hundred burritos or literally feeding you for almost half of a year all of a sudden it that new Gucci jacket doesn't quite sound as litte number four is called reframing your earnings if you make a thousand dollars or ten thousand dollars per month automatically take 20% off of the amount that you bring home and save that immediately and then make all of your you know new calculations and assumptions about how much money that you have to spend on travel on food on fun things on clothes on on every anything that you want to buy make those assumptions of 80 percent of what you actually earned rather than 100 percent and that's going to allow you to kind of reframe how you think about things this will help limit your impulse buys right there's a lot of studies out there that show that you know you literally get dopamine released in your brain when you think about buying new things but there's also studies that show that actually buying new things does not make you as happy as thinking about buying new things and so my advice would be always sleep on it when a new impulse buy is coming up sleep on it and then tomorrow if you still want it and you've thought it through then go out and actually buy that Gucci jacket to your heart's content as long as it fits into your 80% budget of your take-home and then enjoy that Gucci jacket like it's the last Gucci jacket on earth number three I like to call the cash equivalent and what I mean by the cash equivalent is when you have the opportunity to buy some brand new thing think about it like this if Bill Gates came through kicked open your front door and had the thing that you wanted to buy or you take $700 in cash or whatever the actual cash equivalent of a Jew a Gucci jacket is I have no idea I wear Atari shirts so if you'd rather have the cash from uncle Billy G then you'd rather keep the cash rather than spending it on that brand new Gucci jacket number two is stache yo savings think about yourself like a squirrel storing nuts for the long winter except you're not a squirrel you're a human and you're not storing nuts you're storing your money in a savings account the reason that I'm making squirrels metaphors is because I want you to actually remember and implement and do this stuff and so when you set aside that 20 percent that you're saving every single month don't leave it in the same account that is where you spend all your money take that 20% of the money and stash it away in a savings account that you never use you never touch you never think about and the only time you take money out of that savings account is to make more money to invest that money into index funds to invest that money into an Amazon FBA business into Shopify into a Facebook Ads account right into creating your own digital course any sort of online income don't touch that money unless you're using it to make more money and don't actually try to make more money until you've learned how to from a mentor who's actually done what you want to do and the number one best way to actually start saving money fast and easily right now we will get to in one second but really quick I do want to give a shout out to our daily comment winner Josh Cruz who says Kevin David is an amazing teacher Kevin if you're not using Amazon but making one product stores would you ditch Shopify and just use clickfunnels so I would not ever use clickfunnels yet for physical product businesses it's just not designed for that Shopify is so much more sleek and refined for physical product businesses I would just use a one product theme on Shopify such as jump start which is completely free and I would create my store based around that rather than using a click files and if this sounds like you have no idea what I'm talking about make sure you tap a little subscribe button and check out all my other videos because we teach you such amazing ways to make money but it's up to you to actually go research and implement that stuff without further ado the number one best way to actually start saving money fast and easily right now is thinking about things in terms of opportunity costs because every time that you spend your hard-earned money you're actually losing a lot more money than you actually think and let me explain you're not actually spending five hundred dollars you're spending the opportunity cost of what you could have made by investing that money and watching it appreciate five to ten x over the course of just a few short years and so instead of actually spending five hundred dollars on those ugly Gucci shoes you could be spending five thousand dollars via the opportunity cost that you lose by not investing that same amount of money into an income generator and so if you're just starting out and you want to learn how to actually make a thousand dollars with zero money to get started then check out this video right here where we teach you how to do exactly that make a thousand bucks with zero money to start sounds hard to believe I'll prove it see you there and so literally all you have to do is take this part to me already know as far see 898 percent increase right six thousand two hundred and seventy six orders and it's an interesting looking product all you have to do

5 Tricks That Save A LOT of Money FAST

**5 Tricks That Save A LOT of Money FAST**



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Nearly 60% of adults do not have enough money saved to cover a $1000 emergency…so here are 5 simple tips on how to save more money, even with a low income. Enjoy! Add me on Instagram: GPStephan

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First, DON’T SPEND MONEY! Just kidding…obviously. But my first “Trick” that I use is that if there’s anything I’m looking to buy…don’t “BUY IT NOW”..instead, I always just “buy it tomorrow”
This one is really just about cutting down on impulse purchases that you make without really thinking about it…because this one gets really interesting once you start digging deeper. Many studies have shown that shopping can release dopamine in the brain, which then brings about a sensation of well-being and happiness. And if we take a step further, research has shown that the dopamine hit doesn’t actually come from the purchase itself…it comes from the ANTICIPATION of the purchase.

From this, we can conclude that BUYING something won’t necessarily give you that fun excitement you’re looking for…and you can get all the same enjoyment from shopping…by not actually buying anything, and instead, window shopping and then saving the money.

Second, assuming you’ve waited a day and you’re thinking about buying something – think to yourself: “if someone offered me the cash value for this item – would I take it?”
Sometimes we forget about how much something is going to cost us when we’re so fixated on just getting the thing that we want. But start thinking to yourself: if I had the choice between buying this item, or getting paid that exact amount of money – which would I rather have? Because, in essence…when you decide not to buy something and save the difference – it’s almost as if you’re getting paid to save.

The third trick to saving more money is to think to yourself “how many hours will this cost me to pay for it?”
Basically, we have a limited amount of time on this planet – and it’s important we make the best use of our time, not only from a financial standpoint, but also from personal fulfillment. Given that, it’s vital that we spend our money on things that are most important to us – and since our time is a very limited resource, we shouldn’t spend our time working for things that don’t bring us long term value.

Now fourth, a fun exercise you can do is whenever you save money by not buying something, or by spending less – is by immediately transferring the difference into another account.
This is a great way to not only make sure you actually keep the money you’re saving, but it’s also really effective because you can begin seeing the immediate results of cutting back. I think that once you begin seeing it work firsthand, you’ll be more likely to get excited at the aspect of having some extra cash laying around – and you’ll be more likely to stick with it.

And fifth…most importantly, think of what your money is worth in its future value.
When you save and invest your money, it’s going to grow over time…when you spend it, it’s almost like your halting its growth that it would have been worth, had you saved it, instead. So, instead of spending $20 on avocado toast, you took that $20 and invested it over the next 40 years…if you just took the average, historic return of the stock market – adjusted for inflation, with dividends reinvested…that’s a lot to say…that $20 would be worth about $300 in future value.

And lastly, if you’re already doing all of the above, and you’re still not saving enough…you need to make more money. EVERYONE will get to a point, eventually, where they cannot possibly save anymore…and it’s at that point where you should begin to shift your efforts from saving, to learning how to increase your income.

This could be learning a new skill, picking up a side job, looking to switch careers, smashing the like button, you name it – the point is, increasing your income is the necessary last step when it comes to saving money.

And I really believe that it’s by implementing these strategies, slowly over time, and sticking with it, that you have the potential to begin saving a LOT more money – without really feeling it, until you look at your bank account and see all those extra Benjamins.

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at [email protected]
what's the guys it's Graham here so let's get right into it because we got an issue here according to research nearly 60% of adults do not have enough money saved to cover a $1,000 emergency and nearly a third of those people would have to resort to borrowing money to pay for any unexpected expense which as we all know adds up to a lot more money in the long run when you account for interest on top of that and it's with this information that it's no surprise that Americans are just not saving enough money even when we go back and look at things historically the average American savings rate really peaked in the 70s with the savings rate of about 12% and then since then it's been a very slow and steady decline now in 2019 guess how much the average American is saving wait for it because I wasn't ready for this you ready for this it's three and a half percent of their income and that also includes Roth IRA and 401k contributions which basically when you account for inflation it's it's almost as though Americans are pretty much saving nothing now what's even more disheartening is that during recessions savings immediately spikes upwards as shown on the gray lines in this graph then as soon as the economy starts doing better the savings rate starts trending back downwards this tells me that people can and do cut back if needed but as soon as things start looking optimistic they go back to their normal spending and start saving less now we can certainly look at external economic factors and the lack of wage growth to be the culprit for this but I really believe that at the end of the day it's really up to us to take personal responsibility to not only learn about savings but also do the best that we can given the income that we have and when it comes to saving money these are the five tricks that I found that work exceptionally well to save a lot more money without ever feeling like you're cutting back even though you are and each of these money-saving tricks can be implemented immediately as long as you just follow these techniques and of course hit the like button if you haven't done that already so with that said let's get into the video now my first trick is don't spend any money just just kidding obviously okay no but for real though the first trick that I use is that if there's anything I'm looking to buy I never buy it now and instead I buy it tomorrow now this one is really just about cutting down on the impulse purchases that you make without ever really realizing it and this one is especially interesting once you start digging deeper and this is because many studies have shown that shopping actually releases dopamine in the brain that brings about a sensation of happiness and well-being and if we go even deeper down the rabbit hole because this is what I was doing all last night is researching the effects of shopping on the brain don't ask me why I found this stuff interesting but here we go this is the best part about all of this is that they found the real dopamine hit doesn't come from actually buying the item that you're going out to get instead it comes from the anticipation of buying the item itself from this we could basically conclude that buying something won't necessarily give you that fun excitement that you're looking for and you can get all of the same enjoyment from shopping if you just don't actually buy anything and if you just window shop instead and that happens to save you a lot of money this is pretty much the strategy that I've utilized all the time if there's something I see that I want to get all I do is basically just don't buy it right then in there instead I'll just sleep on it and wait to buy it the next day by then if I still want it most of the time I'll get it but I would say more times than not the desire to buy that thing just subsides and I no longer want it the next day I'm positive if you just implement the same thing you can cut back and save a lot of money without ever feeling like you're cutting back or saving money just by waiting 24 hours a second assuming you've waited a day and you're thinking about buying something then think to yourself if someone offered me the cash equivalent for this item right now what I rather just have the cash sometimes we forget about how much something really costs when we're so fixated on just buying the thing that we want but start thinking to yourself if you have the choice between buying this item or getting paid that exact amount of money which one would you choose by the way I got this for free at some YouTube event so don't think that I'm spending $400 in Dolce & Gabbana sunglasses but anyway in essence if you decide not to buy something and save the difference it's almost as though you just got paid to save now I know this is a bit of a flawed way of thinking because I could totally just say to myself oh you know what I was totally just about to buy this two million dollar Bugatti but I decided not to do it so I just saved two million dollars by not buying into Gotti that would be by the way an amazing clickbait title can you just imagine it how I save two million dollars by not buying a Bugatti I could see it now 1 million views but anyway when you apply this mentality to normal everyday purchases you don't really spend much time thinking about it really gets you prioritizing what's important and what's gonna give you the most long-term value and really helps make you think more about the aspect of saving money than the aspect of buying the thing that you really want now this becomes especially evident when you look around at all of the things that you've bought how much of that do you wish you could trade back with the snap of your fingers and get back what you spent on it and I have a feeling that probably half of my wardrobe would be gone from things that I bought that I just never really wore and they just were not worth it especially when you divide how many times you've actually used something versus how much it costs like the hundred dollar pair of shoes you wore twice that means it costs you $50 every time you've worn those shoes or that $300 Bose speaker that you've used like five times in the last year that means it was $60 every time you've used it so begin thinking of everything in terms of how much it costs you peruse and also whether or not you would have taken the cash equivalent if you had the choice and I guarantee that by doing this you'll end up spending a lot less and by virtue of that you'll end up saving a lot more so the third trick to saving money is to think to yourself how many hours will I have to work to pay for it so if you're making twenty dollars an hour and you decide to drop sixty dollars on dinner in a way that dinner is costing you three hours of your time to pay for it we're going and spending twenty dollars on your lunch break is basically the equivalent of you working an extra hour just to pay for it this is pretty much the entire premise of the book your money or your life which by the way if you have not read this book absolutely I highly recommend reading it but if you're not going to read it and you're going to ignore me on that I have this going to summarize the entire book in like a minute basically we all have a very limited amount of time on this planet and it's really up to us to make the best use of that time not only from a financial standpoint but also from personal fulfillment given that it's really vital that we spend our money on the things that are most important to us and since our time is such a limited resource we shouldn't waste our time working for things that don't bring us long-term value and sometimes when you consider how long you're gonna have to work to pay for something that you might not actually use it really makes you reconsider whether or not that thing is worth buying in the first place it I think the same way when I'm working out and going to the gym like I think to myself what I'd rather eat a Snickers bar and then spend 40 minutes on the treadmill to burn it off or what I'd rather just not eat the Snickers bar and I think we all know the answer to that is is that I would rather spend 40 minutes on the treadmill to burn off the Snickers bar because they're delicious no no anyway I'm kidding the answer is I don't eat the stickers bar it's a lot easier to cut things out than it is to burn them off and the same thing also applies to spending like it's a lot easier not to buy something than it is to make more money to pay for it and again when you start thinking this way I guarantee you that you'll become more mindful about where you spend your money and just understanding how long that's going to take you to pay for it now fourth a fun exercise that you can do at any time you spend less money or save something is by immediately transferring that to another account now this is a really great way to not only make sure that you actually save that money but it's also really effective because you could begin seeing the immediate results of saving as soon as you save by having more money in the bank account like for instance instead of going out and spending $20 at lunch you cooked at home and that only cost you $10 now since you went ahead and saved that $10 go ahead and transfer $10 from that account to another account that you're gonna be saving up money in then apply that to every single one of your other expenses where you can cut back and save money and when you start doing this you'll just watch the savings add up over time again this is really just about seeing an immediate reward for slowly cutting back overtime and beginning to see your results in real time I really think once you begin seeing it work firsthand you're gonna be really excited about the aspect of just having extra money laying around and you'll be more likely to stick with it and fifth most importantly think of what your money is going to be worth in its future value like when you save and invest your money it's going to grow over time and when you go and spend it it's really like you're halting the growth of what that money would have been worth had you saved and invested it instead so if instead of buying avocado toast you just took that $20 and invested it over the next forty years and we took the average historic return of the stock market adjusted for inflation with dividends reinvested it's a lot to say that $20 will have turned into nearly three hundred dollars of future money so I just think to myself okay is this avocado toast really worth three hundred dollars in the future and if the answer is no then I just don't buy it now I'm a nut case and I think of everything this like a $5 cup of coffee at Starbucks to me is like well is that really worth $75 a future money and the answer is no because I can make coffee myself for about 20 cents a cup and you pouring the coffee make coconut creamer and it's and it's delicious and it tastes way better than Starbucks for a fraction of the price so start thinking of all of your purchases in the same way as well and really ask yourself if what you're buying is going to add the equivalent amount of value now then you would have in the future had you just saved and invest in it and if the answer is no that don't buy it and if you do decide it's gonna be worth it then by all means absolutely go for it there's always a fine line between living in the moment and enjoying life and saving for the future and that line for all of us is going to be different so just make sure you stay true to yourself and you really understand what you're giving up in the future if you decide to get something right now this is why it's so important to find a happy medium that works best with you so that you don't feel like you're missing out but at the same time you're prepared for the future and save money and lastly one more thing I want to mention because this part is absolutely vital to anyone who wants to increase their savings the harsh reality is that if you've already done all of the above and you're still not saving enough money there's no way around it you need to make more money that is the truth and when I say something like this I don't mean for it to sound like the person who says Oh a homeless person should just buy a house and then they wouldn't be homeless anymore because they totally get how it sounds just make more money and then you can save more as if you're not already trying to make more money but when it comes to doing this at a certain point there's really only so much that you could save you can only cut back so much until you're a minimalist living in a van doing intermittent fasting and picking up pennies off the ground everyone will get to a point eventually where you cannot possibly save any more money and it's at that point that you should begin to shift your efforts from instead of saving more money learning how to increase your income this could be learning a new skill picking up a side job looking into switching careers or smashing the like button you name it the point is increasing your income is the necessary last step when it comes to saving more money and just like you can get to the point where you cannot possibly save any more you can also get to the point where you cannot possibly work any more hours in the day it's for that reason that I like any available results paid business this could be sales affiliate marketing or any sort of online business basically any business that pays you out based on your results and not how many hours you work and I really believe that it's by implementing these strategies slowly over time and then sticking with it that'll give you the potential to end up saving a lot of money without really even realizing it until you take a look at your bank account and you see a whole bunch of extra Benjamins that are there now that weren't there before so with that said you guys thank you so much for watching I really appreciate it if you guys enjoy videos like this make sure to always smash that like button smash the subscribe button smash the notification bell so you've notifies you anytime I post a video also feel free to add me on Instagram I post her pretty much daily so if you want to be a part of it there feel free to add me there and then one last shameless plug add me on my second channel it's called the Graham Stefan show I'm gonna be scaling up to posting there daily so if you want more daily content of me if you want to see more of me just just subscribe to that second channel thank you again for watching and until next time

Ultimate Grocery Budget Guide To Change Your Life!

**Ultimate Grocery Budget Guide To Change Your Life!**



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This HOW TO SAVE MONEY guide was fueled by my strong desire to retire early and buy a house. I thought i couldn’t afford to save money but it turns out that my grocery budget just needed a financial makeover! – I animated this video myself.

(Inspired by Mr Money Mustache + Frugalwoods blog)

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the last few days of 2017 my usual power through attitude went out the window I pretty much run off of sunshine and sarcasm but as the New Year came my internal cheerleader disappeared in my outlook up pretty dark in general I'm a very future focused plan oriented kind of person you know that saying you're either growing or you're dying well I love oh you're either moving or you're dying kind of life somedays that desire to move is motivated by inspiration while other days it's more of a very desperate energy either way the world of self-employment has created this driving me not to sit still and to just keep going so at the end of 2017 when the internal voice that says keep pushing through disappeared I was left with this real moment of reflection I started 2017 with the attitude that this year was going to be different we're gonna work hard create a real household income and not be stuck in our current situation until we die a quick recap of our current situation obsess about work 24/7 dare not think of moving or changing our lifestyle because we're living on the lowest rungs of life with our cheap apartment and no frills living but our 2017 income wasn't better off it was a lot of work with more perceived reward than actual reward so at the end of the year I was taking inventory for the first time and the lack of progress felt like a huge blow the reality check was that it was a year wasted and it hit me hard it really wasn't a year wasted but that was the pity party in my head after seven days of pity my internal cheerleader still hadn't come back to break up the pity party I knew from the past that my well of Darkness can run pretty deep so I monitor my conscious negativity on a daily basis if I see a spark of negativity it's my job not to let it turn into a flame I take my mood very seriously if I dip my toe in the pool it is not long before I'm before I think I'm drowning I am an emotional baby if I take my hands off the wheel an effort to turn this frown upside down I pretty much went back to basics the basics I calmed the hell down and stopped reviewing the parts that were my failures and mistakes reviewing the failures was seriously the entirety of my pity party I figured I could get more insight out of the mistakes if I cheered the hell up instead of looking to the Past I looked ahead I asked my brain what is the life other than my own that actually inspires me I imagined living in a beautiful home I didn't picture a generic house I specifically pictured a home something that was warm and inviting and felt lived in and loved part of the package for this fantasy home is that it's in walking distance to an Aldi and a well-funded library this is seriously part of disarming the negativity in my head if I can see myself walking out of my front door to a basic adventure I feel like there's a glimmer of hope left in the world and I imagine all the ways a home would support mark my husband the man needs a garage he has not built an instrument since we lived in the tiny house in the woods like five years ago with my emotion shifted my head was clear to now look at the past with more analysis and not so much emotion looking at our expenses as much as I knew what all of our expenses were I had overlooked the value and taking a refresher part of the reason why I overlooked reviewing our expenses was because our life is so minimal like what's there even to review we don't have kids we don't have pets we've been in the same apartment for like five years which is 30% below market value there are new owners so that will be changing we have one used car blah blah blah what does all this mean is that it didn't really seem like there was much to review but upon further inspection I saw that our grocery bill was consistently really high I do have this food blog so that does account for some of the additional spending the amount of times in 2017 that I really did think to myself I should just go get some minimum-wage job to supplement my income was more than I could count so when I wrote out every expense we had and I saw how much we spent on groceries it occurred to me that I could likely skim 300 away from our groceries and funnel it into our dreams and oles sidenote did you know that in 2012 mark and I saved $24,000 in 18 months while I was waiting tables and he was making $10 an hour at a grocery store it said that the three biggest costs in life are housing food and transportation if you're driving in an expensive car living in a nice place or indulging and prepared foods and drinks then you're leaving money on the table if you could get any of those costs down then it could change your life our grocery bill was the only realistic area in our life where money could be skimmed from important mathematical digression let's say your three main areas could all come down just a notch if you're spending $25 less a week on food drove a vehicle that was $100 less a month and found a home or an apartment that was $100 less a month that's $300 a month savings could simply be put towards retirement and in 10 years that would compound into $50,000 or $100,000 in 15 years or $400,000 in 30 years the hidden $400,000 was sitting in my grocery bill my goal in saying this isn't that everyone should take their life down a notch I actually want to take my life up several notches but I want it to be a win-win for my future and present self ultimately I want a long timeline of winning out life if I spend all my money on food I want to do that by choice not just something that's happening because I'm being a dumbass because I have a food blog I figured that one post a week would serve me much better than striving for two blog posts a week like I had done all of 2017 I still needed to get clear on how we would reduce our food budget thoughtfully so everything above was my why why being that I need a house to call a home I need to prepare for retirement my old man goals are real I feel them in my bones and for years now I've been feeling the pressure to save and truly thought that we just didn't have enough money in order to save what I'm about to explain is different when it really sank in that I could actually be ready to start saving money now and getting my financial life together I started looking on YouTube for how to grocery budget extreme after clicking on a few videos my enthusiasm pretty much went into the trash and I clicked out of YouTube I wanted the ins and outs of a working system I wanted to understand how to get my act together but instead I was weeding through videos of random people showing what they bought and what was in their freezer I didn't need to see what anyone was buying I've got my own food habits and preferences I don't need to see their what I needed to understand their how which led me down this rabbit hole turns out that in order to master this one area of my life that which I have complete control over I needed to look at six areas of grocery shopping instead of just the one that most people focus on in their videos plus I needed a back-up plan in case I got bored or fell off the wagon so let's go over the six areas of grocery shopping so you can be in control of your money in your future and if any part of your psyche is thinking but I don't make enough money to save just relax you're closer to your dreams than you think this video is the summary of a 10,000 word blog post the link is below in case you leave this video wanting more tips or to dive deeper into the six areas this video is just the summary of that blog post last thing do you want printable worksheets to take the guesswork out and keep you on track to getting rich I created a 15 page printable workbook which goes over each of the six areas there's a cheat sheet of over 70 recipes you can print out and put on your refrigerator there's like a blank grocery list that you can fill out and stay on track meal planning meal prepping there's all sorts of stuff to print out to help you the link to my Etsy shop I plan I can is down below as well as a 20% off coupon but let's get into it the six areas of grocery shopping include why when where who what how knowing your why I already told you my why you pretty much need to know your why write down your goals and as much detail as possible if your goal does not make you excited then dream bigger or weirder either way do not skip this step if you want to change your life you need to know you're going to change it to write it down knowing your when huge round of applause for me because I finally connected the dots that timing is another variable that can help you get your grocery budget goal when is not just the days of the month you will be shopping here's some other scheduling that can be brought in to work in your favor store cycling this can simply be alternating between your preferred store and a cheap grocery store like every other week you could go to the cheap store or create a once a month cycle for cheap groceries well the remaining weeks of the month you shop at your preferred grocery store it's totally up to you ingredient cycling this is my loophole to prevent me from over filling the cart I'll see like the Reeb eggs of chips or like three different piles of fruit and be committed to all of them the amount of times that put multiple the same thing like take a huge watermelon a pineapple and a huge bag of Kiwi the amount of times I've put that all in the into the cart at once it makes no sense pick out one thing if it doesn't last all week I'll survive by less use the pantry to fill in the gaps and write down the items you wish you could buy now on future grocery trips to appease your crying mind how often you go grocery shopping is a major way to stack the deck in your favor by following a schedule it forces you to make the most of what you have food groups cycling instead of getting all of the things you like pick a limited number of things per food group maybe instead of buying bread pasta tortillas you pick one or two for this week since they're pretty much the same food group and then the next grocery trip you pick out one or two different carbs same with produce same with protein same with snacks desserts etc over the course of a month you'll have a good variety of food but less variety day to day if that makes sense another part of food group cycling is picking one thing from your pantry as a placeholder for that week for example the last few months we've become loyal lacroix sparkling water addicts bicycling the sparkling water in every single grocery week have completely forgotten about the hordes of herbal tea in my pantry unannounced to my husband I'm going to start laying off the sparkling water and cold brew herbal tea the sparkling water will last twice as long since I won't be drinking it and I'll be whittling down my ignored herbal tea stash delayed gratification delayed gratification should be done with care when finding the line between taking what you want for now and leaving enough for later can be enlightening but also a challenge there are some personality types like my own who are first to dive into the deep end of deprivation when trying to get my finances in order well self induced deprivation may not seem like a big deal I think it secretly is I think being in the headspace of deprivation can be toxic when there's neurochemical rewards such as feeling like a total badass or feeling in control or having some sort of purity complex about doing things the right way no one can decide what deprivation is for someone else feel your way through it break breaking your own rules is a good way to test what's actually working for you or not remember the goal isn't to feel frugal often that feeling is a distraction if you save two dollars a day by brewing your own coffee instead of going to Starbucks but overlook saving tens of thousands of dollars on house payments because your credit isn't top-notch then you're living in a fantasy based on the perceived value of being frugal then actually being frugal there's a podcast / blog post called how to spend less and earn more with the afford anything not everything blog she goes in depths with the pitfalls of living in fantasy of such accomplishments while ignoring the bigger picture she gives classic examples of ordering a cheaper item at a restaurant we're getting water instead of soda and while it's not the best way to run your financial life the book I will teach you to be rich goes above and beyond with explaining exactly how to create a healthy financial life it's an actionable step-by-step six weeks to success kind of book the author ramit sethi rails against people getting distracted by the perceived winds of being overly frugal he is against people cutting out lattes to save a buck and the audiobook is hilarious delayed gratification is great when you know your why then trade-offs make sense and you know it's worthwhile do I want a greasy bag of chips and some extra pair or a dream house with a secured future see this one's not hard taking a break in delaying the gratification of a great meal can take your flavor inflation down a notch I've heard my father-in-law say many of times it may not be worth trying a $50 a pound ham or a $300 bottle of whiskey what if I find out I really like it it's not worth it there's a huge trap that pretty much everyone of us falls into and it's lifestyle inflation when we're youthful living at home or in our first apartment we might be comfortable with the simplicity of our life we listen to music hang out with friends read books live on ramen as we become more valuable in our jobs our paycheck reflects that and our lifestyle inflation happens the fact that many people who earn more than $200,000 a year can live beyond their means should be a reminder to everyone else on the totem pole that lifestyle inflation needs a yearly review to keep it in check it's hard to go backwards in life adults don't want to do it I don't want to do it last year I got hotel inflation I don't want to go back to crappy motels it happens to all of us I talked about this above there are three main areas in your life where a lifestyle can inflate housing transportation and food delaying gratification in the food department can prevent flavor inflation cheap versus expensive cycling cheap versus expensive cycling can be as simple as just picking one fancy meal a week to make it home or even one fancy meal a month or having one fancy meal every day alongside two low budget meals to complement it I wrote a few paragraphs in the blog post about fresh versus frozen versus canned versus dried which fits into this category all right meal planning meal planning is one of the most straightforward ways to buy what you need anyone else have moments where they buy too many random condiments if you have a meal plan for the next seven days then you'll cut down on buying random accessory ingredients just in case take the guesswork out of what you need to buy for some fictitious meal write down what you want to make for the weekend just buy what you need for that meal prepping meal prepping is taking your plan for the week and just knocking it out no questions asked what's for dinner somebody asks BAM then Chuck Norris punches like a meal prep in their direction same thing is yesterday I wrote a bit about meal prepping in the in the blog post knowing your where before you go shopping you really need to decide where you're getting your groceries from I'll leave it up to you to decide how much you need to shop hop between stores in order to get the prices you want I personally hate driving to a million places to get one ingredient here and one ingredient there if I lived in the suburbs I might be more into it but in Dallas with the traffic the huge parking lots the long grocery store lines it just kills my inspiration to save a book I was considering making a video showing the cost differences between some basic foods between stores like here's a bowl of pasta and sauce from Aldi which is literally 30 cents versus how much that same bowl of pasta and sauce would cost from like Whole Foods things to consider when picking stores to shop at how many stores are you willing to drive to who sells the most affordable staples and affordable produce is it the same store do you want to go to a store with a lot of options or fewer I recommend writing at your staple groceries and spending a couple hours going to two to five stores to compare prices i straight-up went to Aldi with my phone took pictures of all the price tags with every single staple item I'd be willing to buy I put those pictures in a folder on my computer I think I looked at them a bunch for like a week and I haven't really needed to look at them since the store comparison should only take an afternoon do it once get it out of the way and consider it a one-time investment in getting a rock-solid grocery budget pillar in place stores to compare even if you don't normally shop there you might be surprised so here that the stores to compare local supermarkets like Kroger Wegmans Walmart health food stores Whole Foods natural grocers Trader Joe's bulk stores Costco Sam's Club discount stores 99-cent only store Aldi ethnic grocery stores Mexican stores Asian stores Indian grocers online options like thrive market Amazon fresh farmers markets and CSAs the one benefit I personally appreciate from smaller grocery stores like Aldi and ethnic grocery stores as opposed to supermarkets there's less decisions to make there's less shiny objects to capture my heart and mind and pull me away from my grocery list and there's way less decision fatigue which I'll talk about more in a second here's me when I go to my beloved Kroger flagship store I walk down a whole aisle dedicated to the tiny little jar of mustard I want to buy I don't see the one I want I see like five ones that I want and fifty other versions in my peripheral that sound even better than the one I had in mind when I wrote my list when I wrote down plain mustard I'm thinking a universal condiment but when I start salivating at the sight of spicy mustard I start picturing specific things I want to eat it with it's a trap now I want to start buying unplanned stuff to fulfill this imagery in my mind oh maybe I should buy some bread there were zero plans to make sandwiches this week but this exotic mustard has just inspired me to make gourmet sandwiches or whatever the decision overload doesn't stop there now I'm comparing prices between the fancy mustard and the cheap mustard I had written on my grocery list I'm comparing prices of all the cheap mustards like the hundreds of different brands one bottle is 12 ounces for 99 cents another bottle is 14 ounces for a dollar Oh 9 and then my head explodes after the mental facilities are taken out I am two thousand times more susceptible to throwing like random bags of chips in my cart decision fatigue can cause all sorts of crazy this irrational trade-offs and decision making can create irrational impulse purchases impaired self-regulation some people just avoid making decisions already like a little kid is like throwing stuff in the cart and you're just like it let's roll with it um and it's been shown that you make less favorable decisions essentially decision fatigue makes you lose your mind well you're in the middle of making financial decisions ok so I go to Aldi and there are two or three mustards to choose from not a whole aisle some people would see that as a strength others would see that as a weakness but less choices means stronger decision faculties knowing your who something to consider is that the person who prepares the meal may not be the best person to buy the groceries well my husband and I both cook I would say I'm more future focused than him being at the grocery store can trigger my planning mind to think ooh maybe I should buy this random ingredient I could make a few meals with this but if I write out a grocery list like I'm the coach with a winning playbook as the coach I don't need to perform the moves I just need a star player to follow through with the plan the times that have handed the grocery list off to mark has been effortless way of staying on track and not overspending he just buys what's on the list if you have a couple of teenagers in your family ask one with the most obliging personality to go to the grocery store and stick to the list if you live on your own you can ask a friend to go shopping with you and then you guys can trade grocery lists and pick out only what's on the other person's list this works best when you have specific brands and package sizes written out so that your buyer is getting the brands and quantities that you want for your budget knowing your what no one can say what you should buy maker eat there are so many variables that make grocery shopping super individual food habits cultural habits flavor preferences diet rules like if you're paleo vegan keto vegetarian raw foodist counting calories etc diet restrictions for medical reasons budget restrictions how many people you shop for activity level what kind of food you have access to how much food you can even store and you're in your apartment or home and what cooking appliances you have access to what initially got me inspired to piece this puzzle together was looking up how to extreme grocery budget on YouTube and not finding enough resources i watch youtube videos of people showing me what they bought and what their their meals look like what was in their freezer dude seeing what you eat doesn't help me looking in your freezer is as helpful as opening up my freezer and taking a peek inside it's like seeing what you eat doesn't directly help me understand how it fits into the bigger picture of grocery budgeting while you eat is a hundred percent your choice there's cheap plant foods there's expensive plant foods there's cheap animal foods there's expensive animal foods there's cheap beer there's expensive beer the point I am making is that whatever your lifestyle is 99 percent of us in the US of A can skim some extra dollars off the top and it can change our life when I talk about how I plan meals you'll see that there carbohydrates entered the rice I have in my pantry is literally four cents a serving but do not throw the baby out with the bathwater if you eat low carb or avoid grains or anything like that what I'm saying applies to you there are trade-offs to make a budget is simply saying that out of the whole pile of money you have for the year this amount will be put towards your goal and this other amount will be going towards your expenses here are some basic decisions to frame your what do you prefer balanced meals do you choose meals dominant in protein carbs or fat instead of balanced do you need high volume meals like a mountain of veggies in order to feel full which is pretty much me do you have a small appetite do you have non-negotiable foods foods you will not give up or replace do you prefer foods labeled organic are you store or brand loyal with some or all of your shopping do you have any interest in meal preps homemade freezer meals crock pot and instant pot meals what foods do you buy often but avoid eating what foods are you quick to consume after buying do you buy a lot of snacks junk food pre-made food frozen packaged meals how often do you go out to eat and is this amount aligned with your goals and what snacks fit best into your budget this list will help you get clear on your priorities habits and assumptions changing your shopping behaviors will be easier when you know what your bright lines are what's a bright line ultimately it's a standard or a rule that is clearly defined if you want to start buying cheaper beer or buy less packaged food using the word cheaper or less might be too vague to get you to your goal it's unclear where you're drawing the line which it makes it impossible to determine if you're actually achieving what you've set out to do let's say you're a beer fanatic you want to give it up but you're willing to commit to a six-month saving on beer money you make this a six month non-negotiable rule so instead of making a promise to yourself to buy cheaper beer or to buy less beer you establish a bright line around your beer budget cheaper and less or too vague the bright line could be $25 a month on beer then you decide what you want to buy more cheap beer or simply buy fancy beer just less of it you know that once you hit your $25 budget you're done for the month since that's your bright line you do not cross that line another thing to consider when you think about shopping priorities is to do what rameen sette recommends in I will teach you to be rich the book I mentioned earlier he says spend extravagantly on the things you love and cut mercilessly on the things you don't if you do not love your laundry detergent then buy the cheapest one if you're not in love with your olive oil brand then buy the cheapest one maybe it's just me but I cannot tell the difference between 99% of packaged foods when it comes to comparing store brand versus name-brand especially at Aldi I really think many of them could be manufactured by the same companies than just privately labeled between the different brands if you compare store brand cookies versus Oreo cookies the ingredient line matches up perfectly and the nutritional information is identical if it's not the same manufacturer then it's practically the same recipe figuring out your how know how much your grocery budget is know how often you'll go shopping know what cornerstone carbs fats and proteins you'll buy most often plan for redundancy alternatives and backups for your food choices expect challenges to come up and then look for solutions write out a menu and food lists to take the guesswork out of future planning determine what your ideal serving of food will cost you determine if you need to start slowly or go all in with your budgeting how to plan your grocery shopping plan a regular $21 food challenge monitoring and reviewing your results finding inspiration and mentors handling burnout and boredom I wrote a whole bunch on the blog post about planning for obstacles and having the right mindset notice problems and brainstorm all of the solutions proactively look for any excuses loopholes and obstacles that your mind offers are there loopholes in your mind saying hey let's buy this one dollar bag of vending machine chips that's fine you can afford it notice how your mind lets you off the hook for staying on your budget right out every single excuse and the circumstance surrounding the excuse do not just think this through you need to write it down every single time this is if-then planning if a problem comes up then here's the planned solution by writing out excuses on paper you might see a pattern let's say every day you're at school and you buy soda from the vending machine your brain says oh just this one time but you notice from writing it down this happens all the time so instead of spending money at the vending machine you'll just plan to bring extra drinks every day you're predictable problem now has a solution write out menu and meal ideas I have a homemade cheat sheet that stays on my fridge as obvious as these meals are and as simple as the pool of ingredients I have to choose from are I still get foggy thinking when it comes to actually planning a meal my cheat meal pretty much is this four main staple foods rice pasta beans tortillas with a slew of variation think casseroles crock pots how different cultures you would use the same ingredient mixing and matching the accessory ingredients and sauces I wrote it in the blog post about the $21 food challenge we're basically once a month or even once a season you have a week living off of your invisible food in the pantry and freezer the idea is that you get 21 dollars a week to buy basic things maybe you need a gallon of milk and a mountain of lettuce in order to get through the week but those things are obviously not in your pantry so just $21.00 food challenge could save you hundreds if not thousands of dollars a year again this challenge is meant to be done maybe once a month it's not meant to be done every single week I'm going to end on this note you need to monitor your results and my printable packet I have a 52-week sheet where you write down week to week how much you spend on your gross if you track week to week you start to see a pattern in your behavior which can be really enlightening if you're not tracking your progress it's easy not to get to your goal and not really know where you got off track now before we finish the video I'll mention a few more things I wrote about in detail and the 10,000 word blog post number one there's a right and wrong way to get your family on board with changing your grocery spending spoiler alert do not assume anyone has your values and do not tell other people what their values are ask them what they would like out of a grocery budget and how cutting back on groceries would make them feel then find a common ground and be willing to compromise number two know your tendency when changing your life you're putting new expectation on yourself how you manage expectation is fundamental to how you follow through on your goals this is not one size fits all some people require hand-holding in order to follow through others do not do not be ashamed or embarrassed embracing yourself as you are will get you across the finish line way faster than spending all your time trying to work on yourself and never getting started I wrote a bunch about Gretchen Rubens four tendencies in this blog post number three find Mentors I posted some links to a few blog posts that really inspired me to look at my grocery budget from the radical point of view that it can change my life if done thoughtfully so check out those blog posts number four on some level you need to know that boredom and burnout are real I wrote a little about managing those storms the end piece

3 Reasons You Should Have Life Insurance on Kids

**3 Reasons You Should Have Life Insurance on Kids**



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3 Reasons you should have life insurance on kids. If you need more information, then go to www.michellemorar.com to ask your questions. 1.) Some policies are great places to save money for a college education. 2.) The rise of school shootings is another reason. 3.) Teen suicide is on the rise.