Tag Archives: save money

Save Money Now | 8 Creative Ways to Save for Financial Independence

**Save Money Now | 8 Creative Ways to Save for Financial Independence**



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Our Rich Journey – Save Money Now | 8 Creative Ways to Save for Financial Independence: If you’re anything like us, you’ve made saving money a priority. And if you haven’t made saving money a priority, there’s no better time to start than now! Saving money (and then properly investing it) is the key to financial independence. In this video, we share eight creative (and effective) ways for you to begin saving money right away. So check out the video, subscribe to our channel, and pave your journey on the road to financial independence!

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#FrugalLiving #FinancialIndependenceRetireEarly #HowToSaveMoney #PinkTax
hey guys it's a month and Christina from average journey we are talking about saving more money and if you have watched our videos in the past you know that we save 70% of our income and it is by doing things that we are going to be talking about in today's video because the money that we save is more money that we can invest on our journey towards financial independence so on today's video we are going to be talking about eight different ways that you can save more money and then use that money to invest our first two is don't pay the pink tax now some of you may have not heard about the pink tax before but the New York City Department of Consumer Affairs did a study and in this study they compared products marketing to men versus products marketed to women and they found that on average products marketed to women cost 42 percent more for women than products marketed to men so for example Shampoo and Conditioner marketed to women cost almost 50% more than shampoo and conditioner marketed to men women's jeans cost 10% more than men's jeans and girls bikes cost an average of 6% more than boys bikes and this is what is referred to as the pink text and it is foul because many of these products are the exact same products that are sold to men but they are in pink packaging and they are marketed to women and the prices are pumped up so the next time that you're at the store and you're buying products for yourself if you're a woman or if you're a male and you're buying products for your wife or your girlfriend or your daughter or any other girl the idea is to look in the male aisles in many cases you can buy the exact same product marketed to males instead and get a significant reduction and for those of you that don't want to buy a male shampoo because of the smell or a male soap because of the smell there are a lot of male products that have non scented versions so you can buy those instead and also save money and number two it has to do with saving money when you're grocery shopping so grocery shopping tends to be a very big expense for families and one way you can reduce this expense is by shopping online most stores now have the ability for you to shop online and either pick up the gross that you shop online with or to have them delivered by shopping for groceries online you reduce your impulse spending I mean how many of us have gone to the grocery store and even got into the grocery store and forgot why we even came there we end up with all of these extra things in our grocery cart because we didn't have a plan now you can have a grocery list but still when you're in a store you tend to grab things that you forgot to put on your grocery list well by shopping online what you do is you develop your grocery list in advance and you send your grocery list to the supermarket and the supermarket gathers all of the things on your list so all you have to do is go pick up your list of items that the grocery store has already compiled so there's usually two options when you order your groceries online you can have your groceries delivered to your home and usually there's a fee associated with that or you can have the grocery store pick out your groceries for you and you can go to the grocery store and just pick them up at the grocery store which is typically free so yes there is a fee when your groceries are delivered but you're likely saving more money because you're not going to be impulse buying when your groceries are delivered the other huge benefit and especially for a family like ours is that time savings because we don't have to go to the grocery store walk around the grocery store up and down every aisle we are saving valuable time that we can spend somewhere else and if you get your food delivered you're also saving on gas money and number three is decide how much you want to pay for something before looking at the price tag so we were recently shopping for a new computer and I had a price in mind for how much I wanted to pay for a computer before I ever looked at a computer and with that price in mind I went out and I shopped for the computer so the idea behind this is to set a fixed price that you're willing to pay and not to budge or go over that fixed point and this of course applies to more than just computers it applies across the board so if you're going shopping and you're looking for a shirt for example and you have an idea in mind as to how much you want to pay for a specific shirt that you saw that you like before you look at the price tag determine how much you'd be willing to pay for that specific shirt and once you look at the price Tagg if it exceeds that price that you're willing to pay you got to move on and you know what this applies to cars to houses to every single purchase that you make because how many people have gone shopping for a home and have paid more than what they hoped to pay for the home because they were talked up in price so establish your price for everything and by using this one particular tactic you can save a ton of money and number four is to think about purchases in terms of hours worked so if you're looking at purchasing an item rather than looking at the actual price of the item convert that into the number of hours it would take you to work in order to obtain or purchase that item so for example if you have something that you want to purchase say you have a person mind that you want to buy and that purse costs $1,000 and you work and after taxes are taken out you're making about $30 an hour you would convert that $30 an hour into the price of the purse which would equate to 33 hours of working in order to own that purse now that is almost a whole week's worth of working a whole week to buy one purse now would you work an entire week just to buy one purse you have to put things like that in perspective but apply this rule across all of your purchases how much more longer are you willing to put off retirement for another car for a bigger house all of these things require your time and it is time that you are giving up to make these purchases now on the other hand what if instead of making those purchases you use that same money that you made with your time and invested that money just think how much more sooner you could reach financial independence and early retirement see there's two sides to this coin it is spin more work longer spend less invest that money and retire earlier and number five is carry only large bills so you have to really think hard before you break that bill to buy something now we talked earlier about impulse buying buying groceries online so you can reduce impulse buying this is another avenue to reduce your impulse buying now this is one of those money-saving tips that is a psychological trick because you have these larger bills you are less likely to break these larger bill and by being less likely to break them you are less likely to spend money again playing off of the psychology of spending money and next and this is one of our best is buying a used car you know that we drive an $800 used car named champagne and we have saved a significant amount of money by driving a used car so the point behind this tip is that you can save a significant amount of money by buying a used car now you don't have to buy an $800 used car like we do but studies show that right after someone buys a brand new car and drives it off the lot that car immediately loses value so why not buy a used car and save money in that area now when we did our $800 used car video we talked a lot about the psychology of driving a used car well there's also some practical things that come along with driving a used car you spend a lot less money trying to make that new car look good forever so we wash our car less now it's still a clean car but we spend less money washing the car we also spend less money worrying about ticks and dings and all of these other things and most practical our insurance is super low on our used car so there are all these added benefits to driving a used car and the next tip is to delete your credit card numbers from your online accounts you're purchasing spending accounts so for example Amazon is notorious for this you can purchase something on Amazon enter your credit card number and then it will ask you if you want to retain that credit card number online most people say yes and Amazon is really slick because they have this single click option where you can just buy something with a clip and the next day it shows up at your house that sounds so convenient but it is also very costly if you are an Amazon subscriber or you use Amazon to purchase things just go back and look at all of your purchases so go back and take a look at all of your accounts that have your credit card information and remove your credit card information because what you want to do is create some friction you want to make it difficult for you to make those impulsive purchases and just by doing this you save additional money and the last tip is to have a budget but not just any budget a pay yourself first budget you guys have heard us talk about our pay yourself first budget in our previous videos because with that type of budget you prioritize investing in yourself first paying yourself first to grow your net worth so you really need a budget to understand where you're spending your money and to understand where you can make those cuts and paying yourself first is a part of a successful budget because when you pay yourself first you're less likely to rationalize other purchases that you could make versus paying yourself first it's an automatic saving and investing tool that will help you grow your money so those are tips to start saving money today go out there and save that money because what you can do is invest that money for tomorrow because that's what this channel is all about earning more money saving more money and investing more money on your journey towards financial independence and possibly retiring early it's up to you when you reach financial independence if you enjoyed this video please give it a thumbs up subscribe to our Channel and join the journey

10 Money Saving Tips for Creatives

**10 Money Saving Tips for Creatives**



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Hello!

It is time to talk about one of my favorite topics in the world, angora bunnies. No! I’m kind of kidding. We’re here to talk about saving! Woot Woot woot! 

These are some ideas for you to consider when it comes to saving money! You may know some them, some of these are obvious, but hopefully some of them will be new to you so that you can save a little bit of extra cash, invest it, and hopefully it can lead to more financial freedom in your life. 

So let’s jump straight in: 

Eat before you actually go out. This one is a little obvious but with this tips, you’d probably end up spending less when you go out with friends to eat.

Buy secondhand or refurbished. My computer right here was purchased second hand. I bought it form apple’s refurbished website( where you can save a couple of hundred bucks purchasing refurbished items that works just as good as the new product. I’ve also purchased most of my camera gear second hand such as my Sony A7S II, lenses, Smallhd screen, and lights. I’ve been able to save a ton from just doing this.

Meal prep. A lot of people when they come home from work, they just feel super tired and don’t feel like cooking an entire meal. I mean don’t get me wrong I enjoy cooking but I don’t always feel like starting the whole cooking process when I feel tired. This is where meal prepping comes in handy. So when you go to the grocery store, just buy a couple of extra ingredients that you can use to cook a couple of extra meals for your week.

Wait before buying. When you’re about to make an impulse purchase, stop yourself, and ask do you really really need this. Does this add any value to your life? And this is especially for expensive items! What I recommend is making yourself wait AT LEAST 24-48 hours before making that decision.

Drive less. All I’m talking about is to try not to use your car as much. Are you having to spend a ton of cash on gas every single week? Is there public transportation available in your city?

Buy in bulk. When you buy things in bulk, the cost per unit goes down. If there are things that you tend to spend a lot of money on such as rice, beans, toilet paper, paper towels, and toothpaste then it’s best to buy them in bulk this way your cost per item goes way down.

Declutter your stuff. Marie Kondo your life baby! Dig around your room, garage, and attic and start to get rid of stuff that you haven’t used in the past year or two.

Bargain. Duh Mika that’s obvious. But I hope that this is a good reminder for you. Try not to pay the full price for anything unless it’s your only option.

Renegotiate your bills. Now this isn’t something that you can do with every single bill but I’ve been able to do this my internet bill.

Educate yourself through reading books, blogs, and watching videos of what’s worked for other people and how you could apply those methods to your life. Obviously there are thousands of ways that you could be saving money at this moment but most of the ways that I’ve discovered have been through just researching and also asking my friends what’s worked for them.
hello hello hello everybody hope you guys are doing well it is time to talk about one of my favorite topics in the world Angora bunnies nope it is about saving money these are some ideas where you can save a little bit of money in areas that you didn't think you could some of these ideas are fairly obvious and just good reminders but some of them may be new and if they are new I hope that they help you save money invested so that you can have more financial freedom in your life so let's jump straight in this may be obvious but eat before you actually go out if you're planning on eating out with some friends it may be a good idea to just eat at home and then maybe have a snack or to know when you're out with your friends so this tip may help you save a ton of money just by simply eating at home and then when you do meet up with your friends just grab a snack or a drink or something tip number two buy second-hand or refurbished now this computer right here was bought refurbished on the Apple website if you guys didn't know Apple has a page on their website where you can buy some of their refurbished equipment I will put a link below it is not an affiliate link god mica stop puttin affiliate links everywhere so on the website you can find a bunch of refurbished products where you can save a couple hundred bucks on computers or iPhones and actually save a bunch of money I've also purchased most of my camera gear refurbished so like my sony a7s – my lenses and some of my lights I've been able to save a bunch of money doing this refurbished basically means that a customer bought a product where maybe they were unhappy with the product or there was a technical problem so they send it back to the company company fixes it does all the new parts and then just puts it back in the market as a refurbished item tip number three is to meal prep a lot of people when they come home from work sometimes they just feel super lazy and tired and they don't want to cook a meal so guess what they do you go out and eat cheap food fast food or do-over eats or something and you actually spend the point more money then you could've just by cooking at home don't get me wrong I personally enjoy cooking I think it's super fun and actually therapeutic and also a good learning experience but some days I just don't feel like cooking at home that's where meal prepping comes in handy so when you do go to the grocery store just buy a couple of extra ingredients that you do enjoy eating and just make a couple of extra meals maybe just try to batch cook five meals at a time or six eight or ten challenge accepted by my fiance and I enjoy doing this because we can figure out what nights we can eat at home and then what are some other nights we can maybe go out with this you don't really save money but you also save a bunch of time meal prepping also holds you back from using services like uber eats or post mates because when you're tired you're going to try to find the easiest way to get food but if you choose to meal prep you can avoid eating junk somewhere else and eat healthier food and also save money tip number four is to wait before buying when you're about to make an impulse purchase stop yourself for a minute and ask why do you really really really really really really need this right now does this thing that you're about to buy add any value to your life and this is especially for expensive items I would recommend waiting 24 to 48 hours before you make that final decision also you don't have to apply this method to every single purchase that you have such as buying a cup of coffee or angora bunny but maybe things that are over a hundred bucks or two hundred bucks I hope this encourages you to get out of the impulse mindset and more into a relaxed in controlled mindset to where every time you're about to make a purchase you ask yourself do I really need this are there other things you could be putting that money towards such as saving and investing or giving it to someone in need those are really good questions to ask before you make that impulse purchase tip number five is to drive less I'm not talking about drive less cars but dude less driving I'm basically trying to say is to not use your car as much are you having to spend a ton money on gas every single week with owning a car you don't only have to pay for gas but you know you have to pay for your insurance and for your oil changes and tire changes and a bunch of other unexpected repairs that come up over the years from my experience I think I saved about 20 bucks a month last year just by deciding to work from home and not going to coffee shops or not going across the city to some other spot but just staying at home and getting the work done tip number six is to buy in bulk if there are things that you tend to spend a lot of money on such as toilet paper toothpaste rice and beans and angora bunnies then it's best to just buy them in bulk because the cost per unit goes down tip number seven declutter your stuff start digging around in your room garage or attic and get rid of a bunch of stuff that you haven't used in the past two years a lot of times you're just holding on to items that are just getting devalued as time goes on so it's just best to just sell it and get rid of it and save the money and then once you save that money invest it and make that money work for you there's a billion websites where you can just sell your stuff like Craigslist or Facebook marketplace and also local places like Buffalo Exchange where I've taken a bunch of my old clothes and gone cash for tip number eight is to bargain I come from a third world country so bargaining is literally woven into my DNA when you're about to buy something try not to pay the full price unless it's your only option nowadays you can just look up the price of anything online and use that to make the best decision if you're buying something on Craigslist or Facebook marketplace just try throwing a lower number and see how the seller responds a lot of times if the cell is trying to get rid of the item quickly they may just be prone to selling it at a lower price tip number nine is to negotiate your bills now this isn't something that you're able to do with every single bill but I have been able to do this with my internet bill right now at this moment you can pick up the phone call your service provider and negotiate your bill just let them know that you're gonna cancel your plan unless they come down on their price so recently my internet bill skyrocketed by like 40 bucks a month and I picked up the phone and call them and was like hey I'm gonna cancel this plane I'm not about to pay a ton of money for my internet bill and what ended up happening was that they ended up giving me a lower price and also giving me faster internet this is crazy it does work guys you should do it tip number 10 is to educate educate yourself by reading books blogs and watching videos and seeing what's worked for other people and what hasn't what are some of those methods they can incorporate into your life obviously there's a billion ways to save a bunch of money such as not buying angora bunnies in bulk but a lot of the methods that I have learned and have incorporated into my life have just been through research and through reading and blogs and videos and seeing how other people have worked towards financial freedom so like I said in the beginning of this video I hope some of these methods have been good reminders and some have been new that you can work into your life all I want for you is to save a bunch of money invest it and just have financial freedom so you can do the creative things you want to do if you enjoyed watching this video and found it helpful please comment give me some feedback like and subscribe and then share with your friends too thank you guys I really appreciate you for watching this I'll see you soon

50 FRUGAL LIVING TIPS That Really Work | How I live frugally to SAVE MONEY | Cherry Tung

**50 FRUGAL LIVING TIPS That Really Work | How I live frugally to SAVE MONEY | Cherry Tung**



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50 MORE FRUGAL LIVING TIPS, live frugally to SAVE MONEY
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hey it's your garlic cherry here and today we're doing 50 frugal living tips it is going to be a frugal living marathon so grab your 20 cent iced coffee or 90 cent avocado toast and start watching number one is that I do not chase after the newest technology as a youtuber this can be kind of difficult because a lot of youtubers do chase after the newest camera or the newest phone because it is part of being a youtuber it can increase your efficiency to some extent but I just simply don't see the need of upgrading my phone to like iPhone 11 right now and I also don't see it the need to upgrade my MacBook Air since it is still operating after using it for three years the camera that I'm using right now is the Canon a DD which is kind of an old-school camera by now it shoots 1080 instead of 4k but I think it is enough for me to produce quality YouTube videos and number two similarly it's similar with chasing after technology trends I also don't chase after fashion trends or beauty trends so I always wait for an extended period of time until I actually buy a new product let it be an eyeliner or face cream I always stick with the classics and I don't chase after the trend number three is that similarly I also only buy the very classy designs of everything from clothes to jewelry is to shoes I never go after trends because trends come and go like waves in the ocean so I really don't see any need for me to buy very trendy items that can make me like the it girl for a week and then a week later I have to toss that piece of item and then chase after a new trend I really don't see the point and honestly I am just too lazy it for that stuff number four is that what I really do need to buy something I always make sure to turn on my Ebates extension in my Google Chrome browser what Ebates does is that it gives you cash back on many many websites that you shop in they also sometimes have four times cash back or very exclusive deals that you can only see after installing this Google Chrome a plugin so I will include an invite link in the info box so you can check that out for yourself even though 3% 5% 10% may not seem like a lot at the first glance think about how much money you will save in the long run and Ebates also allow you to get those cashback even with existing discounts on the website let's say Macy's gives you 40% off and eBay's can give you additional cash back on top of those 40% off you will also get $25 every time you invite a new friend to join Ebates and eBay's will just mail you your check number five is Amazon I'm an Amazon Prime member and I saved so much gas money and also time for just ordering things from Amazon and for the majority of the times when I do price checks and price comparisons I always find that the things on Amazon cost the least this might be because Amazon does not have the same amount of overhead cost it does not have to pay rent per say so that is why the prices on Amazon tend to be a lot more affordable number six is a 30-day rule so I always give myself 30 days to decide whether or not I really need to make this one-time purchase sometimes it might be just an urge because I saw this piece of clothing like maybe these white pants look super good on this fashion blogger but do I really need white pants in my life I will give myself 30 days to think about it and nine times out of ten that urge goes away after 30 days if I don't need that item for 30 days then why would I purchase this item number 7 is shop secondhand I buy a lot of my furniture it's the second-hand that coffee table outside in the living room that is for sale right now I got that secondhand I also got a lot of my past furnitures the second-hand even though I sold all of them already I also get some of my clothes secondhand and I don't see anything wrong with that because there is really a surplus of supply of second-hand clothes and not enough demand just walk into your nearest consignment store or a thrift store or secondhand store and you will see Wow all these clothes but why are they just sitting here why are people not purchasing them and number eight is sell your unused item on Facebook marketplace or Craigslist or even Facebook groups this way you can not only eliminate a lot of junk in your storage and get more space you can also get some cash out of it number nine is unsubscribed from shopping sites and I know a lot of people might be like but you're gonna miss out on those exclusive deals and discounts but think about it how many times have you click onto a shopping site simply because it appeared in your inbox you did not even plan to shop at that place but because this discount message showed up in your inbox you clicked into it and purchase something that you never plan to purchase this happened to me at several times and I really don't see why I should let this happen again if I really need to buy something I will go to the store myself or go to the website myself and if there is a discount I will be able to see that discount I don't need the discount to be sent to my inbox in order to remind me that I need to buy something and another way to get around this is that you can also register a separate email specifically for shopping and you only look into that email when you need to shop for something and you keep your goals super clear so you don't get distracted by discounts from other stores that you did not plan to shop at and number 10 is that similarly you should unsubscribe from those fashion bloggers that all they do is tell you to buy buy and buy more things a lot of fashion bloggers do this and they use really misleading titles like every girl needs this every woman needs as pair of heels or this season these are those must buy items you really don't need these messages in your life you don't need to buy anything to make you more or less of who you are you are who you are what you buy is not going to change who you are and most of the time these titles are so click baby because these fashion bloggers benefit directly from you purchasing with the links they put in the info box I also used to do a lot of fashion content but I really try not to push people to buy things because I simply don't believe in just blindly buying I believe in buying quality products Prague's that lasts you a lifetime or at least a very long time and products that have great value retention this is something that I mentioned over and over again on my channel and number eleven might also go against a lot of other frugal bloggers tips and is that do not buy things and bulk simply because as cheaper cost per unit it's not worth it sometimes I find myself buying maybe a hundred cup noodles for example do I really need a hundred cup noodles in my life am I really going to finish those a hundred cup noodles probably not but then because it is so cheap per unit I tend to buy things in bulk that I don't actually need or finish so that is why you should consider beyond the cost per unit and actually think about what what's the likelihood of you finishing this bulk of things if it's something like toilet paper that you will finish sooner or later and it has no clear expiration date then I guess yeah you can buy them in bulk from Costco but if it's something like some food that is cheaper in bulk or some seasoning that is cheaper in bulk but you know you won't finish it then why buy them in bulk and number 12 is buy generic brands just look into the ingredients generic brands are not different from name brands when you start buying generic brands you will start to realize that it is cheaper and the content is also the same a lot of the generic branded things out there actually were made from the same factory that produces the name-brand things they just swap the packaging and make it more expensive for the name-brand things whereas you get the exactly same thing with the generic brands number 13 is use towel instead of paper towel and this is just a more specific way of saying if you can buy something that can be reused over and over again don't buy the disposable ones because disposable things are always more expensive in the long run especially if you know you'll be using this thing over and over again something as simple as paper towel using towel instead of paper towel it can save you so much money in the long run number fourteen is that I use credit cards for cashbox and I have successfully dashed the payment of several of my credit cards because I simply applied my credit card points for cash bag and I used it for my credit card balance number fifteen is that I use my credit cards for budgeting and expense tracking for my budgeting I have made several blushing videos since March of 2019 showing you exactly at what my budget looks like how much I spend every month down to the penny and it is super fast and easy for me to do this because I simply look at my credit card statements and I can pinpoint exactly where these money went where I spent these money on and since I use each Craig heart for different categories for example I use the American Express rose gold card specifically for dining out and it's super easy for me to categorize my spending within those credit card categories each and every month it only takes me around 20 minutes to figure out my spending for the entire month number 16 is automate your bills from water to gas to electricity just automate it this will save you so much time and you can use that time to produce more value and earn more money number 17 is credit card churning which is the act of signing up for different credit cards in order to get their points some credit cards can give you credit card points that are valued at several hundred dollars and for some other credit cards that give you direct cash back for your purchases the most recent credit card that I sign up for and opened is the Bank of America world MasterCard and it gave me two hundred dollar cash bag for my first 1,000 dollar purchases and past three months and for the one thousand dollar purchases I did not buy anything that I did not plan for I already wanted to get a cat litter robot before I got this cart and getting this card just gave me a two hundred dollar discount all my purchase number 18 is bank account turning so some lurch of credit card turning bank account turning also gives you a cash bonuses when you open up new bank accounts the advantage to bank account turning is that they do not pull up your credit score so you do not have to worry about having a ding in your credit score because of opening a new bank account these are just direct cash backs and in order to find out more at bank account turning opportunities I have actually made a master list of all the credit card and bank account turning with their cash awards with their application links and a Google sheets I will leave the link in my info box and number-19 is no cabl I stopped paying for cable since high school actually I never really paid for cable because I was living with my parents back then so I never found the need to have cable especially with YouTube and Amazon Prime movies I really don't find the need to get cable anymore I can almost get anything that I want to watch from the internet and number 20 is cut down on phone cost your phone bills ass around and price compare and even as your frugal friends what service do they use because paying 60 to 100 bucks every single month for a phone bill is pretty absurd number 21 is that I don't use subscription services such as Netflix or SoundCloud or its Spotify the only subscription service that I use as Amazon Prime which for my lifestyle actually saves me more money so that's why I keep on using it but I don't have any monthly subscription service number 22 is Aaron stay an Aaron stay for me as a way for me to increase my efficiency by just bulking all my chores together I have also automated a lot of my chores such as getting my litter robot and also getting of knocking robot this way I can save so much more time and focus my energy and time on the things that really move the needle in terms of saving money and making money number 23 is that I don't wash my car all right I know you might think I'm like super dirty and everything I do vacuum the inside of my car before the outside of my car I just don't see the need to wash it sometimes when I get my gas refill I do clean the windows of my car but I really don't see the need to get a car wash like every single month because it's gonna get dirty and especially because I do park outside at work and also at home it's an outdoor parking spot I don't see the need to keep going back to the car wash and just get my car dirty again when I park at home number 24 is get a free library card and you can get access to a lot of free resources such as audiobooks free Internet and also of course traditional books number 25 is just a personal habit I always make sure I turn off all the electronics all the lights all the a/c all the fans before I leave the house number 26 is that I don't have an a/c installed in my room I just use a fan and partially it is because I make YouTube fears and having an a/c would just be way too loud for my videos so I don't even turn the a/c on for most of the time so why would I get a portable a/c if I film for so much of my life and I don't use the a/c when I film living and Santa Monica I can say you can tolerate living without a/c and I do have AC in the living room just not in my bedroom I will also link the fan that I use in the info box so you can check that out I think it's a pretty great fan it's only 20 bucks I mean what more can you ask for it's 20 bucks number 27 is that I don't use my dishwasher I just hadn't wash my dishes and also I don't use that much dishes anyway so I don't have that many dishes to wash we just use the dishwasher like a drying rack like most Asian households number 28 it's that I don't use the point op dryer and washer I actually I wash my clothes since a lot of my clothes are made with silk and delicate materials I just find that it gives me a peace of mind when I hand wash my clothes I also like to hand wash my undergarments because I find that way it is more sanitary I will link the detergent that I use for my silk items in my info box number 29 is that I always pregame before partying I really don't find the need to pay 8 to 15 bucks on a single drink when you go out this can really add up in the long run I know a lot of people who spend upwards to two hundred dollars just in one night that is a lot of money and that is also money that can be put into your investments so that is why I always pregame before I go out and number 30 is that I find free events on meetup.com and this is one great way to not be judged because you're being frugal a lot of the free events will explicitly say that they're free in the title so you don't even have to be worried about being judged by your friends because you're so frugal and you want to go to a free event number 31 is cut back on meaningless social activities I'm pretty sure you have felt the times when you don't want to go to a party but you're just going for the sake of going you're just going for a sink of some of your not so close friends want you to go and you go to a party and then you end up buying a lot of drinks or food and spending a lot of money and it makes you feel really unhappy as I grow older and wiser I learned to eliminate these meaningless social activities and these people are not my true friends and these are just my social friends which in Chinese we call it chill roll pony ole if that is the case then why do I have to attend these meaningless social interactions and activities they not only drain my energy but also drain my wallet number 32 is resist the temptation of buying a food or drink just for social reasons sometimes at social events we can feel so awkward and we feel like we have to hold a cup in our hands in order to feel less awkward well see of tip to not go to these meaningless social events but even when you're out there just resists the temptation of holding a drink in your hand it's really not necessary and if you really want to hold something just get a free glass of water number 33 is drive a used car the current car that I'm driving is used is a 2014 car but if I were to rewind back to the day when it purchased this car I'd probably get a car that's even older and I'll also do extensive research on where it is the bottom of the depreciation curve aka what year of what car I should get to get the most bang of my book number 34 is don't get those bundle deals on special car component insurance or maintenance because most of the time these are just ways for the car dealership to make extra money and most of the time these bundles are pure junk I know this from experience these car dealerships they have this like listed price but then they encourage you to get these extra bundles they make it sound like a great deal and they make it seem like you have to get this to protect your car no you don't because almost almost every single time I just hear people talk about this as a complete waste of money and I probably wasted like almost 10k on these bundles that I never used ever throughout the life of me driving so what is the point number 35 is that I cut my own hair and this has saved me so much money for so many years I even tried cutting my own bangs which I will include the video link so you can check that out that was me a couple years ago so I probably look pretty different but I cut my own hair and I only get my hair professionally cut when I get my hair colored professionally which is not that often number 36 is I also dye my own hair so this is also something that I do all my own with bubble hair dye Japanese bubble hair dye are seriously so easy they are in foam form bubble form so you just need to put it on your hair kind of like when you wash your hair with shampoo and the color distributes really really nicely and evenly my current hair is not done with bubble hair dye because I did want to get highlights I didn't want to get a rose gold color but I have used bubble hair dyes for several times and each time I was not disappointed the good thing about using bubble hair tie is that it is completely possible for you to do it on your own without anyone's health number 37 is that I do my own gel nails and I will also show you exactly how I do my gel nails in a future video doing your nails on your own not only it saves you a lot of money but of course also time because you no longer have to wait in line often times for the popular nail salons even after I make an appointment I have to sit there for like half an hour or more just to get their nail technician to work on my nails the time wisdom can easily be used for more productive projects such as filming YouTube videos so that is why I decided to do my own nails so I can control exactly what my nails look like I can control exactly at what time I do my nails and I can control exactly how many jumps I want to put on my nails to blame them up number 38 is that I do my own lash extensions I will also include a video a tutorial of me doing my own individual lash extensions the good thing about this is that this can save you so much money a lash extension appointment can the lowest one I found is $100 and a refill is like $60 but you still need to pay tip and by doing lash extensions on your own you probably only need to spend like 20 bucks 20 bucks for a full kit that you can use for several months for nail appointments no appointments usually range from 25 bucks to 200 bucks and you can easily spend that 25 bucks on a nail art kit and you can use this kit for so many times I want to say at least 30 times with just those 25 bucks initial investment and number 39 is I wash my own clothes especially the silk ones and the delicate material clothes so that I can make my clothes last much longer and number 40 is that I do a monthly purge of a very specific area of my apartment every single month it can be really overwhelming doing a purge of everywhere in my apartment but I like to do a purge of a very specific cabinet for example at my apartment so I can know exactly what it's in there what I can sell and what I can stop buying because sometimes we buy something we forget they exist and we keep buying the same item over and over again because we keep forgetting that we have purchased them in the past by doing a purge you not only find those duplicate items you can also find which are some items that you never reach for you never use so that you can sell those items number 41 is that I travel with miles I stopped paying out of pocket for plane tickets simply because it is just so much more cost-effective to purchase your tickets with miles the miles I use are from like miles which is part of the Star Alliance they work with a lot of Airlines under Star Alliance and my most recent solar ship to Panama was also purchased with miles my round-trip ticket including a business class ticket from Panama to la la to Panama round-trip was only 600 something dollars number 42 is booked Airbnb and stuff hotel because it is not only cheaper but it also gives you a very authentic experience of the local life number 43 is that I walk instead of uber for a lot of Torcy things that I do when I travel number 44 is that I buy my flights early I always purchase my tickets at least a month or two before my actual travel date so I can get the best deals in the market number 45 is that I pack energy bars with me whenever I do touristy things in a foreign place because oftentimes the touristy places saw really expensive and overpriced food and I also don't want to stop for an extensive amount of time just for eating just for filling my stomach I'd rather spend that time exploring the new country exploring the new city so I always pay energy bars with me whenever I do a lot of walking and Torcy places so I can fill up my stomach in no time with minimum cost number 46 is that I have a reusable water bottle whenever I travel and whenever I do sports and this can save me so much money in the long run because if you buy plastic water bottles individually they can cost anywhere from a bug to five bucks depending on which brand you get and by packing your own water bottle that cost is zero because I can just drink filtered tap water number forty-seven is that I also use a mug at work so I can eliminate producing waste and also take advantage of my office's free coffee number 48 is that I practice zero food waste especially when I dine out I always ask for the leftovers four to go even though some people might look at this as a really cheap thing to do it actually saved me so much money sometimes my one meal can be split into three different meals just because I packed to-go boxes and if you're worried about your environmental footprint you can also bring your own boxes and just pack the leftovers into your own boxes number forty nine is that I never buy coffee or tea never ever the only time I buy a drink is probably boba which I do not make on my own but of course it is possible to make bova on your own it just takes a long time but I never buy coffee tea or pretty much anything that I can make on my own I always make my own coffee and tea I will also link some late footman's that I use in my info box and number fifty which is very crucial is that I don't order drinks at meals because drinks at meals can be so expensive especially if there are alcoholic drinks a glass of wine can cost twelve to fifteen bucks depending on what wine it is and honestly I cannot tell the difference between the wine they serve at restaurants Wein I can get from TJ's what is the point spending so much money for a glass of wine when you dine out that's a lot of cost added together cumulative Li so these are my fifty frugal living tips I hope you guys enjoy this video and I will see you in my next personal finance video if you enjoy this video please give me a thumbs up and subscribe and hit that Bell for more videos like this

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 cut down monthly bills and save more money

**How to cut down monthly bills and save more money**



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How to cut down monthly bills and the way I do it.

what's going on YouTube my name is ty my blocks the ex-king calm and others are very dark day today just getting my work and I want to shoot a quick video on how to save money on how to save money how to cut things out me a wife has done some custom bills out and some things that people might not have thought about too recently so you know saving money one way to make more money it's a save on money right no you know if you're trying to make more money the best thing to do is look at your bills and what can you eliminate it and we eliminate some bills and we dinner ourselves and one bill that we got eliminated was the pest control service the orchid man the man was a great service and we lead them because there was a poor service a really good service on knowing bad thing was that you know was paying seventy seven dollars every other month so just running it up plus tax the most eighty bucks every other month to monthly that's forty eight bucks a month and you know in the beginning yeah I'd used them guy had these spider crickets in my home Oh camel crickets with the column in my home and I got it kind of hard to kill so I got me a pest control service and get rid of them which is fine and dandy but don't you have a kid you know stuff got your cut so that's what happened well had my son and stuff had to go so I called and canceled them and I invested in a one gallon water sprayer which I'll do review about that I'm about to get tossed are pro top star P and I heard a good chemical insecticide to use and I'm gonna use that to keep the bugs out so I can spray the yard I can spray the trees the the perimeter the windows actually the backyard the front yard and it kills mosquitoes too one thing about the orchid man I didn't like that you know we worried nine to five it was very hard walk I put it I was working in the world before I went you know across the street what they call it so the White House I was on Wednesday Thursday and Sunday so Wednesday I got make an appointment for Wednesday they coming to house pray and be done since I'm working 9:00 to 5:00 mode through Friday and they close at five o'clock it's very hard to get them inside the home versus Saturdays and Saturdays they work every other Saturday and then why do scheduled for Saturday it'll be close my neighborhood there'll be there's nothing I close but they'll be booked so the past four times I'll call for Saturday they make it pretty booked so why do and when they do come to the house they always spray once every other month so I mean which is fine but when they do spray will be at work so I don't know what they're doing I don't know if they're doing a good job or not I don't know do the sprayer the windows are they spraying the whole foundation or spraying the bushes to I don't know I really don't know so yeah you know nothing about the service but it you wonder that's why I decided to get rid of them and to do it myself and the product of doing the self is to positive things don't think it's just prozac all I know the con is that I waste more time but will take me maybe you know 30 35 minutes to get this mix of chemicals together put some clothes on and spray the whole house use the whole gallon whatever but the pros are I save money and I know that the work is done I can spray it knowing the house but the bushes the grass the trees shrubs the backyard I have a shed as well in my back I can spray that as well there's a lot of spiders and bugs in there I can spray that as well keep the bugs out of there as well so it looks like it's a good thing I counsel them so that's one thing the next thing we have done is we go spaying a lot of money for home security and it was paying about 50 bucks a month that's a lot of money for home security and no one of our family members said they pay way cheaper internet I'll talk to Taylor 15 bucks a month that's why there's a research on that and I know do with just soft security systems is on the rise right now and and I I can also mine once I saw the price how much would pay you got paper clip in the front but your pay 10 15 bucks 20 bucks a month for home security and then you know what will get me long story short the company that I had got bought out three four times so I was paying $25 more than beginning which is not bad but every other year they got bought out and the price keep going up and no and then the thing is but my my equipment did get better stay the same so I decided to it Do It Yourself security system and I kind of enjoyed doing it once you do it yourself versus get so I also come to it it feels better when you do it do you know it's done you know that the doors got sensors when those got sensors everything so it feels better so I eliminated that bill when I eliminated well I got cheaper bill so that's that really helps so those two bills I I got lured or eliminated on one thing we did was I invested in a hedge trimmer I invested in a weed whacker and I put much cutting all the grass all year long this year last year I hired a guy he forty bucks two more long I was pretty hot last year and this year wasn't too bad but this year I did all myself so if you paying someone to cut your grass then you older person you can't physically do it keep paying that person cuz you wanna be out there hurt yourself but you know a young person and you could do it yourself going investing money into a lawn mower a lot more like 90 to 100 dollars and now I'm a lot more maybe four or five years ago it's still going strong so will pay for itself I invest into a hedge trimmer by sixty bucks I got your weed whacker for like 45 so I thought all these things to help me keep my lawn good into the winter time when I'm growing more and it saved me money so how to hire someone to do it so the way you do it in square cut your grass dam with it know what to spray that I got a sprayer I go I go and Samari outside go ahead make stuff up and spray and and be done with it and be done with it so those are some ways you can start saving money see what bills you got now lower than light bill is harder maybe gets on energy-efficient bulbs into efficient appliances for your car insurance try to call around different companies and see the benefits the pros the cons and the cost compared to what you're paying now awesome one other way that's kind of if you're paying 120 and coming constantly what's hard you send in five eighty dollars I'll go ahead and do it because over time it will save me some money so try that as well I think what's something else another thing you could do with foam service that have a rising horizon sprint all the plates are extremely high I have a rising fault 115 years I'll have about 15 you got every one was 30 there was expensive I was paying $90 for one line and now I'm paying 80 bucks for two lines for me and my wife so I was like okay I'm seven ten dollars about she online I got a line and we split the bill we was clicking wireless that runs up 80 phone service is fantastic so hey if you got sprint verizon thinking about going to a prepaid service that has great services to be there there's so many out there and they think service is just as good so there's a couple things that help you save money dude don't do it yourself do yourself a pain exterminator learn how to do it yourself body stuff buy the equipment by the pesticides insecticides it'll last you a long time tossed our Protoss therapy with an uber I wanna do review about that as well I did I see somebody bought a plan of that stuff it lasted my year so it's imagine it is like $31 so after one bus will last me a year so they'll try to do it yourself cut your grass yourself do your peasant roll yourself do your home security yourself monitored yourself through apps try get a lower phone plan try go to a prepaid plan copy pay plan your bill never just never goes up and down it's always the same try to use more energy efficient equipment I mean the devices in your home and try to cut out cable I made people I mean people my job paying to 20 to 30 a month doesn't cable internet it'll need these days the cable is dead I would rather using Hulu or Netflix was internet service and my bill will be cheaper I mean in you know my youtube channel I show you how you can watch movies and TV shows for the world real real low okay so there's no reason for you to pay to 20 a month and the cable and you work 40 hours a week and you have kids so how many shows do you actually watch besides power and they have they have none so I mean you only watch three or four shows Mable's with sports but you pay the 220 a month that's ridiculous give her the cable going Netflix go to youtube live YouTube labs like like 30 or 40 bucks a month so what's your internet by self might pay for it for the lives of my 12 youtube live you might I paying forward you've had a hard I was a month but you're cutting your bill in half if you cut your bill in half so these are the ways to save some money you can save some serious money by cutting things out you don't need you could do it yourself you call around get a better quote and everything else stop eating out so much know maybe from from September there is a timber to December you should try to save money because know why the hot got Christmas coming up new year's Thanksgiving you have a lot of family soldiers going out coming up Black Friday and you need money so the best thing you could do now as a stop T now say more money hoping high-yield savings accounts to put that money in cook cook you a big possible get eat that for two three days cook you some chicken wings eat number two three days make up Potter lasagna and make eat that for two three days and use coupons week a lot of coupons in the mail use coupons you get in the mail that also helps use cashback apps on your phone use the dollar app you get a dollar back and it's not a lot of money but over time adds up you usually get outside gas at a time you get gas you scan your gas receipt and you get cash back right now since I've been using a gas app hell I've been using it since April to September I'm a $61 that's my scaly my gas receipt that says free money so these are some ways to save money just rethink your bills what bill can you eliminate and what bill key made cheaper what Bill you do yourself cat cut the grass myself I'll do myself alone can I do I'll do this oh security system saves the money I have to do it myself I can I cut out this pest control bill cut out cable and go out with another lor bill can I cut out there's a verizon bill the Sprint bill that's a lot of money mobile bills a lot of money can I cut those things out but cutting those things out you will save money how I say my my light bill many more installation in your home energy efficient devices lights all key things off that's what also helped you know save on gas you know when you one thing I do like instead of me you know sometimes if you get out were a good time and he goes if you're already out go ahead and do your good shopping while you're already out they come home versus on your day off you know except you get your car and go to the store coming back you're burning gas how about you go ahead and go shopping while you're already out they come home that way when we can you don't have to go buy groceries you can do anything but stay at home and save that gas money so yeah the plenty of ways to save some money you want to save money by cutting up bills and expenses kind of things you don't need and what it could not faith you could do yourself that's security bill the security bill right now and the orca man and you throw cutting grass I probably save $150 a month just cut those things out and do them myself that's it and with the home security won't you just it's easy it's easy you just stick it you good to go you good to go and but this goodness says that once you have a cell it's done it's done you'll read nothing else you've got a checking it out this is done and in and with the pest control you do it once a month you do it once a month you do we cut the grass do it once a month so all these things have to cut out you do it once a month you do it once a month and you save money you save money so but anytime what else can calm I read a blog post about this as well I have more videos coming out and I got a new video coming out I'm gonna do soon Peyer tomorrow Saturday it's called the peace of hunt hack I got I find a way to get we want a piece of her pizza you get cash back on to apps that didn't know had on there and check that video out download all these links below the video acorns you know acorns get money back your account by buying stuff get the dogs out you don't say get the dogs out go ahead and get it and you cash back on restaurants by link below get the get up side gas app you just get your gas receipt you get cash back within four hours get couple dollars back over time adds up that link below the video as well my name is Tyler asking comm help you save money make more money hide the whole money and I'll see you next time