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10 Frugal Living Tips That Actually Work | Habits That Will Save You Thousands💰| #frugalliving

**10 Frugal Living Tips That Actually Work | Habits That Will Save You Thousands💰| #frugalliving**



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hello and welcome to my channel my name is Nicole from frugal chic live.com and today I'm here to share 10 of my absolute favorite frugal living tips that will help you save thousands of dollars for me personally I look at my frugality as a badge of honor and use it as another tool in my toolbox to achieve my financial dreams so with that said if you're willing to embrace your inner frugal then keep watching for these top 10 tips tip number one is to take your lunch to work it might seem very simple and very straightforward but it can save you thousands of dollars in the long run taking your lunch to work is something that many people have dabbled with here and there but in order for it to become a real habit you got to work at it you can't wait until you have 5 minutes left to get out of the door and try to throw something in the lunch bag because it's gonna be something you don't want to eat and then when you get to work at lunchtime you're gonna look at that lunch bag and say yeah I don't really want this and then go out for lunch anyway so by being prepared making your lunch the night before making sure that you have the foods on hand that you're gonna actually be interested in eating that is going to help you be more excited about taking your lunch to work every day tip number two is to meal plan and prep I don't know how many times as a busy wife and mother I've gotten overwhelmed didn't plan properly and just ended up ordering a pizza one time not a big deal 2030 times in a year it does tend to add up that's money that could be going into your children's college fund or into your emergency fund take out a piece of paper write out your potential meals for the week I also recommend that you do a quick inventory of your pantry your fridge your cabinets to see what you have on hand first and then you know exactly what items to put on your shopping list when you go to the grocery store tip number three is to shop for a cheaper cellphone plan a lot of times there are so many hidden fees or you could be stuck in a contract with early termination fees nowadays there is no reason to operate that way with your cell phone there are so many different competitors out there so I say every now and then do some research compare the numbers and see if you can get a better deal ya know it seems like a hassle to switch services but if it's going to be the difference between you saving hundreds of dollars per year it's worth a few minutes of your time to do the research and maybe May a couple of calls to see if you can get a deal for me right now I'm using a service called hello it's much cheaper than the service that I was using before currently the cell phone plan that I'm using is under 20 dollars per month so that is an excellent deal if I say so myself tip number four is to cut the cable the 90s have called and they want their cable box back in today's world there is absolutely no reason for you to still have a traditional cable box or even a satellite dish there are so many different options that you can choose from I think we cut out cable about two years ago now and it was one of the best decisions that we have made right now we have an Amazon fire stick we've used sling TV we also recently came across this service called soap layer and that has been amazing I'm still learning how to use it but it is a great resource for us and it saved us a ton of money tip number five is one of my absolutely favorite frugal living heck's and that is to buy items that can be used for multiple purposes who says that you have to have separate products to wash your hands with to clean surfaces with to wash up with maybe you can find one product that works for all three tip number six is to scale back or entirely eliminate paper products in your house now this one has definitely been a struggle in my household I have tried to get rid of paper plates my husband is not here for it he has a problem with it even though I'm the one that does the dishes and if y'all can't tell I'm still salty about this and we've been arguing about this for many years but sometimes you just got to give in and compromise so at this stage in my life I'm not personally able to eliminate all people products but I'm slowly trying to introduce my family to the benefits of reusable items in the household not only is it good for your budget but it's also better for the environment tip number seven is to stockpile there are certainly items that you purchase for your family on a consistent basis month after month in my household what I like to do is separate out my food budget from my household items budget and with the money from my household products our stockpile on a quarterly basis at this point I have a good estimate of how many tubes of 2-phase we go through in a three month period how many rolls of toilet paper we use I have it almost down to a science and what I do is just pick up those items I see sales available tip number eight is to try a no-spin challenge no spent challenges have been a great way for me to personally reset my spending habits even though I'm a frugal person I have had periods of my life when I've been a little more on the spending side I know y'all don't believe it but it definitely is true so if you are that person that can occasionally get a little bit spendy and have too many items on hand and your house too many clothes too many pairs of shoes then doing a no-spin challenge might be the perfect thing for you I've gone as long as a year and a half without buying clothes and shoes and for a lot of us ladies that is a difficult thing to do but I gradually built up to it you don't have to start out saying I'm not going to shop for two years that probably would be setting yourself up for failure start with smaller increments of time start with a week even you can start by saying for the next seven days I'm not gonna buy any items that are not absolutely needs for my family I also like to do specific no-spin challenges I want the entire summer on a makeup no buy I've also challenged myself to not buy new clothes or home decor that I didn't need so if you haven't done one already I'm issuing you a challenge right now to try your very first no-spin challenge tip number nine is to shop your closet this is a great extension of sip number eight and with a shop your closet challenge you basically challenge yourself to go into your closet and create new outfit combinations out of the existing pieces in your wardrobe so try pairing your favorite sweater with a pair of pants that you've never tried it with put on a different set of accessories try out different combinations and get creative with it and that will help you not to focus on the fact that you're not bringing in new items in your wardrobe as frequently as you were in the past and what this does is it gives you a greater appreciation for the items that you already own the final tip is a mindset heck if you are the type of person that's not naturally frugal this one is going to be perfect for you tip number 10 is to focus on your financial why what's the main reason why you want to get out of debt save more money and become financially independent what are your core values what are you working towards these are the types of questions that you want to ask yourself when we keep out mine on the way it makes those day-to-day decisions much easier so when you're attempted to buy that new $300 winter coat you can say to yourself does this purchase align with what I'm trying to do could I take this $300 and put it on my credit card debt could I take that $300 and make an extra principle payment on my student loans or on my mortgage so when you frame it that way it helps to make you a bit more motivated about the changes that you're trying to implement so whenever you have a temptation and you might get ready to fall off the wagon think about your financial why even better write it down put it on a post-it and look at it every single day so that you remember which are working towards in the comments below I would love for you to share your number-one frugal living heck also if you're looking to learn more about how to manage your money properly how to save more money how to budget and all of those things then check out the playlists that I've created for you here thank you so much for watching and until next time live well and speed lust

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

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



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

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


**HOW I SAVE MONEY FOR LUXURY | Money Saving Tips**



View Time:15:31Minutes



Hello loves!

Today I share with you guys some of my money saving tips and tricks on how I save up for luxury items on my wish list. I hope you guys find it helpful and informative so that you can apply these tips to your money saving technique!

hi guys it's Claudia welcome back to my channel but today's video I'm going to talk about how I was able to for my first luxury item and how I continue to do so so grab your snacks grab your drinks whatever you need because I feel like this video will be a bit chatty because I have a lot to share with you guys so I just want to start off with this one thing because I know it'll apply to this entire video and probably many aspects of your life but it's just to be responsible and self-aware of your own money and your financial situation because it's not worth buying something that you're gonna go into debt for you can definitely splurge on yourself but do it in a smart way because it's not worth going into debt buying something that you really really want because at the end of the day when you're wearing this item out you're probably gonna feel guilty you're not gonna feel happy wearing it because in the back of your mind you're just gonna have to keep thinking about this one thing that you have to pay off there's also like this other thing I want to address is that I know there's like people who don't like purchasing luxury goods because they think it's a waste of money or it's materialistic and there's another group who like luxury goods who you know choose to buy these things and I'm clearly in that alley because I like legacy goods I like it because of the design the brand the culture I appreciate the craftsmanship so that's how I choose to reward myself with the money that I make it makes me feel good that I've accomplished something you know so yeah I just want justice because I know there's a lot of like back and forth with it and I just want to explain myself because some of you might not might not understand or are the same boat as me so I just love to put that out there so I haven't really ever talked about myself in my videos but I'll just say this because I think it'll give a good background idea of my financial situation but I am NOT from a wealthy family at all I wish but I'm just in the middle class you know normal family I am the only child so my parents didn't really have to I guess spend a lot more compared to other families with more children so I was fortunate enough to have my college tuition paid by them which I'm so grateful for because I know a lot of my friends who don't have that you know luxury and so they have to like save from like when they're super young until you now to pay off college your debt whatever but I still have my college debt which I'm paying off so that's another you know story that I can talk about I was lucky enough to be able to save up my money from when I first started working which was now 16 I believe yeah 16 until now all the money that I earned I was able to save myself so that I can you know choose to invest it save it for my future or buy things that I wanted so another thing is that I live at home with my parents so I graduated last year from college so I'm still figuring things out but they have it like rushed me to move out they haven't you know try to kick me out we have a talk and they're like no stay home at 4 as long as you want you know I'm the only child and a girl so they don't want to like push me out of the house and like bye bye I'm so lucky and grateful for that because I can you know not have something to worry about something less my play I don't have to worry about paying a mortgage or rent I can use that money to save up for a home one day so that's another huge portion of my savings so one more thing I want to address before sharing my tips is that I usually go for classics for luxury items and very neutral colors basic colors because I know that I'll get the most wear and tear out of them and that will match my wardrobe for all seasons okay without further ado after sharing all that because I feel like it's important to kind of give you guys a basis of where I'm coming from so I'm just gonna go on with my tips and I've wrote them down because there's a few so I just want to make sure I get them all in but number one is not eating out and doing much activities go ahead much vacations because that takes up a lot of money like I personally I used to eat out a lot I must say I am NOT going to lie about that I used to you know a lot just because you know well my boyfriend and I first started dating we were like oh we just want to go on dates do this do that that was it the first two years we're in our third year now and we're like barely outside I must say we like just eat at home like whether his parents are cooking we cook stuff like that because like eat at home as much as you can cook your own meals because it saves so much money like let's say for us a day we could probably spend $100 just eating out but when I get groceries at Trader Joe's for like I go like once every two weeks and I spend like about a hundred dollars it lasts for two weeks for breakfast lunch and dinner and that is amazing because we save so much more money compared to going out so I would highly recommend eating or meal prepping at home if you can because you know girl a girl spends so much money eating out it's just ridiculous like I could have bought a new you know pair of shoes or a bag or whatever or saved up for my home in the future but that's one thing also doing activities going to movies like we used to go to pop-up shops a lot which is such a freakin waste of money like because I don't know what I was thinking about Monday maybe it was just like the hype of it but like each ticket costs like 30 to 40 bucks and you're in there for like what two minutes for each installation and you have to wait on line it's just not worth it at all I probably visited like five different pop-up shops last summer now I'm like wow I'm gonna I'm an idiot because it's so not worth it so I live in New York City and now what we do is that I usually look up like there's like FOMO feed and New York City bucket list stuff like that to find free activities that we can do around the city so it's usually like installations that are like day up or like art galleries we like to do or just like really weird stuff but yeah it's really enjoyable because now it's that it's warm we can walk around outside you know do a lot of free stuff because free stuff is the best so also vacations is another thing there's people who don't need a go on vacation at all and girl let me say you can save so much money but I my boyfriend and I are the type so we like to explore we like to be adventurous you know learn about different cultures so we go on vacation how about like one to two times a year max two times just because you know it's expensive but we haven't gone anywhere this year I believe but we're going in Japan in August and I'm so soaked for it because we've been saving it for it since like last year and I don't want to go for the longest time so I'm so super super happy I'm gonna be you know making a vlog and stuff like that so if you guys are interested definitely check it out when I posted it's gonna be lit but yeah and also now things that we don't smoke like we don't like cigarettes drool stuff like that so that's really convenient for us because it's like another less thing to worry about and also I guess because we never did it it's like I doesn't feel like I'm saving money you know and I mean but that's just another thing I want to put out there also oh my boyfriend doesn't drink but I do with my friends like you know for birthdays and stuff like that when we go out so you don't go out a lot I want to say it maybe once every month or once every two months whatever has a birthday that's the only time you really go out and drink so yeah I think Maxie would spend would be like 50 to 80 bucks a night that night and it's like not a I would say it's not a lot because we're not going out every single weekend it's just like once a month or once every two months and it's totally okay because it's a celebration it's a valid excuse the second tip is money management so in terms of saving a portion of your paycheck towards your savings or something that you want to buy it's really important that you do that because you want to be able to save money to buy things that are that are important to you or save money for your future that is clearly gonna be very important to you so money management is like the biggest biggest thing to everything like I said in the very beginning be responsible for your money and be aware of your financial situation I just want to share how I started sitting my money since I was 16 so paycheck was like every two weeks and I gave myself a $200 like bi-weekly allowance and the rest about putting my savings so every week I would obviously make more than 200 and I definitely put more than like 50% of my paycheck into my savings because I just didn't feel the need to spend my money and I could sleep because I know some people like spend money from paycheck to paycheck and it's just for me it wasn't necessary and I felt like it wasn't healthy for me so I didn't do that I just gave myself like a strict $200 bi weekly allowance and everything else went to my savings so I did that since I was 16 years old and so the $200 would go to like food I will help my parents buy groceries if I really hung out with their friend we just go eat something cheap stuff like that so I was super super strict with myself and really help me out in the long run you guys don't have to do but I did like 200 is like very limited you know figure it out you're a financial situation figure out what bills you have to pay and then the money that you need to use for yourself and then how much you can put into your savings because once you figure that out it's a lot easier the third tip which is I guess another super obvious is that to buy second-hand or use bags you can definitely get them from eBay from like treated see I think thredUP might have some I'm not sure I don't know if they sell luxury items you can go to a surf shop if you like really interesting could definitely find some good pieces I know there's also oh it's the other one Oh Facebook groups I don't know why I just had a brain fart you can look at Facebook groups where they resell luxury I don't most just be really careful with that because you know make sure you get the bag or looks you're edible authenticated also there's one more stock X but I feel like their prices are kind of high so I wouldn't highly recommend going there as your first choice I personally never bought secondhand or used bags just because I don't know I guess I'd never just researched it or looked into it but I know a few friends who've done it and they've had great experiences with it so there's nothing wrong with doing it I think I just like having like a fresh new purchase with my own money but you could definitely save a lot of money from just buying secondhand or used so the fourth tip is doing consignment for items that you don't use or enjoy anymore because you can use that as a credit towards another purchase or you can take the cash and put that towards another purchase so I personally haven't done any consignment for any of my items just because I still continue to use them I still enjoy them that's another thing I want to say because I purchase items only when I know how to % that I'm gonna use it but I'm a hundred percent that I will keep running them and enjoy them because I will know instantly if I get an item and I wear it once or twice out and I'm like oh I wish I didn't get this then I know it's like a waste of money and I waste of time you know always some effort so when I buy it and I'm I'm like a hundred and twenty percent sure that I want it that I know I'm gonna wear it and that I'm not gonna like feel guilty about it in the long run so I don't buy items right away I'm pretty patience with it so I'll just wait it out and make sure if I keep gravitating towards it again after like a few months I know like I'm ready for it you know so I'm not gonna buy it like on impulse so for my fifth tip its wrenching bags which I wish I learned about earlier I didn't learn about it until like last month I started actually researching and stuff like that but this is website called bag borrow and steal or bag borrow or steal oh my frog which one but so so cool because they have brands from Chloe myself let's yoga Gucci Chanel Prada what else do they have then a lot and they have like all like the newest styles which is amazing because like it's just so worth it to me because you could I think the rental is at least a month and then you can extend the rental period if you want to if you really enjoyed it back but it mean just some like $125 like around $400 per month and I think the furniture is like Chanel Chanel bags because you know it's obviously more expensive but I think I wish I knew about it earlier just because it's so cool it's like such a great idea to me just because you can rent out like the newest styles and see if you like it if you don't like it finish up the month and return it and then you're done you don't have to be like oh thank god I didn't buy the bag because I didn't like it but if you like the bag you you can extend the period or you can just end up going to buy the bag itself and for your long-term so I feel like that is such a good investment just because you know it's like no commitment for the sixth tip is I did this I think two years ago is when I had like went my winter break I would do seasonal jobs at luxury brands so I worked at Burberry and I actually turned into like a part-time at Burberry after the seasonal which is really nice because when you work at a luxury brand you get the employee discounts and the discounts are very generous not only like goods you can also work at the department store that sells luxury goods because it's so worth it like when I was working at Burberry I got 40 to 50 percent off during depending on the season and it's so worth it because like you're paying half the price for someone who's paying like full price over what you pay full price if you weren't working there so if I would highly recommend either working on a luxury brand or do a seasonal employment at a luxury or department store for the last tip is that if you know someone who's going to Europe or you're going to Europe already I would highly recommend buying your stuff there don't plan a trip to Europe just to buy these things not worth it because like when you even out the airfare and hotel it's like you know you even out but yeah if you really know someone going or if you're going already I would recommend getting it there because you save a lot of money on like the currency exchange and also all of the tax refund whoa I feel like there's a lot to same thirsty I hope I didn't talk too fast or ramble too much because I know I do that I just have so many thoughts in my head I just wanna get it out but yeah that's basically exactly how I was able to afford my first luxury item and how I continue to do so I want to all out say be responsible for your money set a goal for yourself because I think that's like a huge thing cynical for yourself manage your goal by being able to figure out what health like financially what you're going to do how much you're gonna put aside how much you're gonna give yourself to use like on a daily basis and then you know save save and save and then meet your goal and splurge on yourself because that feeling is like the best in the world because to me at least for me I feel so good because I feel like I accomplished something and it makes me feel good that way that I was able to splurge on myself because of my hard work so you should be able to to like for me I don't know how its its collection but I like to reward myself by buying luxury items that you know I see long-term to the best in you might do something different you might be interested in shoes someone may have you interested in collecting antiques or stuff like that so each to their own to collect whatever they want reflect on whatever they want but I just wanted to share how I was able to afford my first luxury item or for luxury items or honestly in general to afford anything that I want you know it doesn't have to just be luxury items it could be like furniture or buying a home or saving it for at home so yeah hope you guys found this video helpful and informative I think that was the most important thing if you guys have any more questions for me or comments please leave them down below I always love hearing from you guys but as always thank you for watching and I you get to Nixon I

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அதிக லாபம் தரும் பணம் சேமிப்பு முறை யாருக்கும் தெரியாதே Best Money Saving Tips பணத்தை சேமிக்க சிறந்த டிப்ஸ் ரகசியங்கள் உங்கள் பணத்தைச் சேமிக்க மிக சிறந்த வழிகள்.