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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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We are Tasha & Joseph a millennial couple balancing kids, jobs, money, and life.
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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
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hey phoebs nation it's jordan page from fun cheaper free calm and today is part two of a day in the frugal life oh yeah two weeks ago you saw part one and you loved it so much I decided to come back with part two if you have not watched part one you got to go back and watch it what I do is walk you through an entire day a real day in my life but I show you all of the many many ways that my family stays organized and saves money so go back and watch that first I will link it below but I'm just gonna pick right up where we left off with part two was doing call me excessive but our house has a lot of square footage and so our power bill can be astronomical if we're not careful I have it that we have created in our helps is to turn off the lights every time you leave a room shut the doors because it traps the heat or the cool where you want it also I double check my thermostats every time I walk away just to make sure the heat or air is not still on but one thing you might want to consider too is smart thermostats our house is not new it is actually it's over 20 years old and we had didn't come in and replace all of our thermostat with smart ones and so we can set them up on a schedule certain times of day that everything turns off and on in case we forget and that has been really helpful I believe I still have a coupon code for Vivint if you want to look into it we love it it's our security system also so I will link that below as you guys have seen and our other return reef routine videos our rule which means Bubba and I is the last one to leave the bed makes it Bubba was the last one to leave the bed this morning and he made it kind of I feel like if you haven't made bed your whole room looks cleaner even though I have stuff all over the floors so I'm actually gonna take 30 seconds and make this nice it gets really cold here in Utah and our room is like all windows and so it can get really cold or really hot in here one of the things that we do is we put blackout curtains in so that in the summer it keeps it really cool in here so we don't have to run the air in the winter we have a lot of blankets on our bed so at night we stay warm yeah I'm just gonna go ahead and make this real quick make it look a little nice okay now that my bed is made I'm gonna take a few minutes and get ready for the day and I can't believe I'm showing you this but this is part of my process clothing is one thing that I love I have a lot of it I like a lot of options I'm not a capsule wardrobe person by any shape of the imagination I like a lot of options and I have the space for it but I don't want to spend a lot of money so I can't believe I'm showing you this but one thing that I do seeing is how we are transitioning from from summer into fall winter is how do I turn this darn thing around hold on I like to rotate my clothes so right now I'm going through my closet and pulling out all of my spring and summer clothes I am currently just putting them in a pile Here I am making a separate pile of all the things that I didn't wear that I need to get rid of and the way that I know whether I wore them or not is I flip my hanger around when I hang the item back up so if I grab something to wear it when I go to return it to the closet I flip the hanger so then when it comes time to rotate my closet I can look at anything that isn't flipped and know that I should probably get rid of it and give it to someone else keep pile I've got kind of a toss or donate pile going here and then this is the bin that has fall winter clothes in it and I'm taking those out and then I will replace all of my fall winter stuff with my spring summer stuff I'm always keeping tabs on what I have is it worth keeping and it feels like Paulding new wardrobe every six months or so and I really I find that it cuts down on my desire or need to go shopping very often so that is one way that I save a lot of money and then in terms of the clothes that I buy if you guys follow me on Instagram I like to share my outfits with you but most of my stuff is from TJ Maxx or Ross Amazon and then otherwise shop and that have daily deals stuff like that I'm pretty simple I do not like to spend a lot in my clothes but I like them to look nice and stainer my work block is about to start and if you guys know anything you know that I live and die by my blog schedule system I've got a video about it link below and stay tuned you guys I'm so excited for the last few months we have been working on a block schedule planner and they are coming to market so soon hopefully as early as January 2020 right in time for the new year so stay tuned and I have designed the most amazing planner for you guys to help you organize your blocks and get your to dues done during the day too okay but I'm not ready yet I made a few mistakes today number one normally I get dressed very first thing when I wake up I didn't do that today and I am NOT ready for the day yet but you know what I was filming today and everything takes longer and part of the block schedule system is being flexible so I'm going to catch up on some work stuff and while I'm reading emails or watching Marco Polo's or doing things that don't need my hands I will be doing my makeup and multitasking and it's going to be just fine there's not a lot that I'll be able to show you while I'm working but when it comes to doing my makeup I am a big believer in mixing normal like drugstore everyday makeup and name-brand more high-end makeup in fact even for my foundation I literally blend a board of Maybelline matte poreless foundation with a high-end Lancome foundation I do one little squirt of each so I literally do both ignore that basket of clothes that need to be put away at least the bed is made right one thing I'm doing I'm getting ready is setting my girls preschool up on autopay I don't like having to manually pay for something every month because then there's a chance that if I forget then I'll be slapped with a late fee and those add up if we can budget for it I like to pay for something all the way up front so I don't have payments but in this case since it's a full school year we are going to pay one month at a time so it's not such a big chunk but I am setting it up on auto pay so the first of every month it automatically drafts from my account and I can even schedule a day for the payments to end so I don't accidentally overpay by a month also if I'm drafting automatically from my bank account versus a credit card it saves me about a 6% processing fee so I'm doing all those things right now in the long run it definitely saves some coin chips cheese [Applause] hello Davey's about to head off to school you eating some good lunch okay say goodbye have a good day I said hello and goodbye to the girls I'm gonna keep working and finishing my [Applause] [Applause] [Applause] it is a lunchtime I am starving and today for lunch I'm eating leftovers we went out with some friends this weekend and we had a gift card so we went to Macaroni Grill I got so full off of their free bread and bottomless soup I pretty much about to take home my whole entree so I am eating that for lunch I cannot wait I'm so hungry love is here it's not mmm but what did you do for lunch I had a business meeting and it was paid for by the person who took me out what so we're both eating out for lunch and both of us didn't have to pay anything today for it I mean I bought it at one point but her 1 kiloton ended two maybe three it'll be three nice work and now we're sitting next to each other working Oh our little hour of work aren't we cute alright I just laid McEwan down whoa whoa whoa for his afternoon nap though he's just partying in his beds I don't know if he's actually gonna sleep the kids are about to walk through the door any minute from school so we are gonna get an after school snack going and then I got a rush my daughter off to dance and then we'll do dinner and we'll go from there the calm before the storm enjoy it's the second and that didn't last for long hi Guys hi Guys hi guys so here's Priya she's getting ready for dance she's got a late night tonight so she is packing her own little dinner to eat it dance to tighten her over till she can come home we buy the big packs from Costco so we don't have to go through a drive-through show you how we keep them warm so when you have these little contigo containers whoops that we got from Costco and you just put a folded napkin or paper towel on the bottom you know what go get a second one I think that's too full if you put hot food in them it will remain hot seriously all day it's like amazing so this is how we pack leftovers or real food for lunch or dinner I just dropped Priya off at dance and I just wanted to take a quick minute to talk about extracurricular activities because my gosh they can really add up and be expensive I actually did an entire video on budgeting for and how to afford or how to know whether you can afford extracurricular activities for your kids or not so I will link that below but for me a few things that we do to save money because extracurriculars for us are really important even though we have a big family we've got six kids and another two on the way we feel like we don't want the size of our family to hinder our kids abilities to develop their talents and to do and try the things that they want to do and try all of my kids do their activities at the same place so any of my kids who want to dance we chose one studio and they all dance their each sibling gets a discount on their class each month so the first sibling is full price but then each subsequent siblings are discounted we also save up throughout the year and then pay for the full year in advance for classes and costumes which is a big chunk of money up front but then we get a big discount we hand our dance shoes or as many dance items down as possible or we go buy them used from a place like kid to kid where you can get sporting equipment that's used and then otherwise I have a lot of chips in that video that I will link below now it's time to head home and get to the crazy time to get it dinner wrong it is 4:30 I've got my chicken it was cooked I shredded it up and then I'm basically going to divide it into ooh fourths depending on how much I need two servings for the two casseroles tonight and then one or two servings for the freezer we'll see how far I can stretch it one of the things that we have done to cut down on extracurricular costs is we canceled all of our music lessons because the piano lessons we're getting astronomical because they were like 30 dollars per lesson for a 30-minute lesson per kid for a week it was just it was crazy instead we found a couple music apps one of them is called simply piano and it's $10 per month and it teaches the kids how to play piano with the iPad and it has been great and then there's one called use ition like y-o-u and that one you can actually have other instruments and Priya likes to use it to do voice lessons because she loves to sing we have saved a ton of money this year not doing lessons it's a temporary fix I do think they will need to do lessons when they're a little bit older but for right now it would just really helped us cut down on stuff almost everything you see in this room including the piano itself with all secondhand globes from a yard sale the piano we bought throughs and lots of eyes these were wedding gifts that's above as old guitar from high school right which one at a trade show for tech companies you know people do an easy contest where it's like you drop your business card in a bowl but but I had to like take a picture playing air guitar tweet it you did you like five steps and he was one of the only people who did it and got a really nice guitar these are all secondhand our Halloween decor was purchased after Halloween's to a grocery store actually and they had all of their Halloween stuff on clearance because it was already November and then otherwise a lot of them were like I said from yard sales but I just went shopping in our basement we have a cold storage or cold yeah cold storage cold room in our basement if you build a house make sure they build a cold storage room it's usually like under a deck or a front door or a garage that's normally wasted space and then it stays nice and cold concrete walls and you can store food in there we like to buy extras of things so when I go to the store if pastas on sale I would buy one for now and at least two for later or as many as I can afford depending on how good the sale is and what my budget is that week and it slowly built a stockpile also we will stock up during case lot sales which is where grocery stores will have like a week where instead of buying per can or per package or per bottle you can buy a whole case of usually between 6 or more cans or containers and you get a big discount on that stock up drink a slot sales and keep our own little store in the baseline so everything I need for dinner tonight I did not derive to the store for I like to keep a stash of disposable baking pans I like having various sizes but this 9 by 13 is typically what I use these are also really good for taking dinners to people or for pies or cornbread things like that they are pretty inexpensive you can get them pretty much at any grocery store or in bulk on Amazon so then when I double a meal I can freeze it in something that isn't glass this is kind of a funny frugal tip but one nonetheless is I like to keep little mini spatulas on hand of various shapes and sizes because then when you have a can of something you can get in there and scrape every drop out again sometimes you think those little pennies don't add up but they do you paid for your using it scrape every drum I have another tip for bulk food if you've got a big container of sour cream or cottage cheese turn the container upside down once it's been opened it helps create a better airtight seal on the lid and it helps it last longer and then of course like I mentioned earlier once you get about halfway down the container you're going to want to put it in a smaller container it will make it last longer dinner is done and in the oven I've got two bags of shredded cooked chicken that are ready for the freezer that I can then pull out to make an easy meal in the future I have got my second chicken spaghetti meal ready to go for the freezer I am feeling pretty good about life and the best part is with this meal it only dirtied one pot and one slow cooker so all things considered it was very simple for veggies I have not been to the grocery store today later tonight I'm actually gonna sit down and order my groceries to do a grocery pickup tomorrow the easiest way for me to keep track of my budget because then as I add things to my cart I can make sure I'm within my $200 a week budget the budget recommendation I have for families as $100 per person in your family per month so for my family that would be $800 a month and then you just divide it by week now if you only have one or two of you in your family you would want to start at 300 dollars go up from there so tonight I'm gonna sit down and order my groceries to pick up tomorrow I didn't have time to do that today I'm a little skimpy on fresh veggies so I'm gonna do some frozen peas some frozen corn and then some leftover salad from the other night we're gonna call it a day are you boys up to over here what fixing it yourself instead of taking it to a shop okay so you bought these lights at Walmart and he's teaching how to do it installing in themselves and Hutch finished his mandatory chores or obligations if you will today and so he's been working with Bubba for about an hour so he is earning allowance our kids have daily like mandatory things they have to do that's on their clipboards you kind of have seen our clipboard system I will link that below and then above and beyond that day can earn allowance so he gets a couple bucks for working for an hour with dad so there you go nice work kay dinner's ready another random little frugal tip is at night we give each of our kids a different colored plate Priya's not here which is why we only have four but I make sure there are different colors so that if somebody doesn't finish their there's like a pile of food sitting on someone's plate we know whose it is and we can wrap it up and save it for them for later if they don't get any snacks but they're welcome to reheat their dinner and finish that later if they want a little tip for your parents another frugal thing we do which is kind of funny is if we get takeout or order pizza or whatever and it comes with napkins instead of throwing them away because we hate that it's wasteful we actually keep them and hold on to them we just have this little pile of perfectly good but to shovelled napkin for dinner or whatever it is this was from catering that we ordered for an event they left behind all the napkins and all of the silverware so we reuse these and give them to our kids right $3.99 we actually have our kids shower together I have my three little kids in a shower until they get old enough that it's inappropriate but they're all young and so and we keep an eye on them but it consolidates water then they're in and out in like a couple of minutes and all of them are clean at once they even can help brush each other's hair and wash each other off and it's really great so that's actually something we do otherwise if we were doing six individual shower actually eight individual showers every single night our water mellowed be through the roof and that's a lot of ways so call us crazy ones what we do that's pretty much a day in the life nothing too exciting now got home from Dan Smith Priya cut her some dinner put her to bed Bev and I cleaned up a bit and now we are headed to bed because we are pooped so hopefully that was helpful to show you some of the ways that we save money day to day one of the things I didn't get to today was grocery shopping and I figured I wouldn't so I am going to get ready for bed and then lay in bed and order my groceries on my phone just for grocery pick up at Walmart tomorrow because it doesn't cost anything extra as long as your order is $30 or more which mine will be drop my kids off at school swing by a Walmart they'll load up my groceries and I'm done hopefully that was helpful if it was will you give it a thumbs up please leave a comment below I'm curious to know you do any of these same frugal things or what frugal things you do on a day to day basis now if you guys don't mind I gotta get to bed I'm pooped frugal mama oh hi guys you're supposed to be sleeping you should be sleeping remember say I love you
Do you have a problem with impulse spending and shopping? Do you buy things that you don’t need? Well, it’s time to stop shopping for things you don’t need, so you can start saving some money for the things that matter most. In this video, I will share 15 easy and practical tips to stop spending money aimlessly, so that you can finally save some cash and reach your financial goals.
In my 20s, I used to shop impulsively and buy all sorts of things on a whim and I didn’t even end up using the majority of those things. In my 30s, after adopting minimalism, I’ve changed the way I spend money drastically and that has helped me save thousands of dollars.
In this video, I’m sharing my personal experience as well as the tips that have helped me cut down on spending on things I don’t really need. If you have any tips for impulse shopping, let me know in the comments below.
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Five thousand, four hundred dollars a
year. That is $54,000 in a decade! That is money that could go towards retirement
savings accounts, emergency funds and even a mortgage down payment. So if you feel
like you're wasting your money buying things that you don't need and the
impulse shopping is getting out of hand – then this video is for you. I'm going to
share 15 easy and practical tips things that I've done and I hope that they help
you too. Hello hello! Welcome back to The Whole
Happy Life. I'm Ria. So I wanted to create this video because I used to be
such an impulsive shopper when I was younger. I spent so much money and I wish
I have known these tips before because I could have saved maybe thirty or forty
thousand dollars in my twenties. So I hope that these tips can be useful to
you. As always, with money things are a little bit different for everybody so
take what you want from this video and leave the rest out. And before we begin,
let me know in the comments below what is your biggest impulse purchase. The one
that you regret the most. I'm really curious to know – let me know in the comments
below. Let's begin. Tip number one – don't shop when you're emotional or when
you're really stressed. I think it's so easy to use shopping as a way to feel
better – as a quick pick-me-up… retail therapy.
But the problem is shopping and retail therapy is not effective. It's short-term –
you'll feel good for maybe a couple hours… maybe even a day or two but after
that you're back to your normal self. So I think retail therapy is prohibitively
expensive if you're an impulse shopper and it's just a good idea to find other
things to do to deal with those emotions. So let's say you're feeling sad – instead
of going to the mall maybe talk to a friend, watch a funny movie on Netflix
that you enjoy – do something else that doesn't involve spending copious amounts
of money. And if you're feeling stressed there are other things that you could do
that don't involve spending money. Go for a walk in the park. Go for a workout. Do
some self-care at home. Things that you could do for free.
Tip number two – don't shop out of sheer boredom. I can't tell you the number of
times I've gone to the mall because I was bored. I thought I was only going to
window shop and that window shopping quickly became real shopping. When you're
at the mall, you're in a place of temptation and if you're someone who has
a tendency to purchase things impulsively it's really hard not to buy
things, so don't put yourself in that position. Don't go to the mall when
you're bored – find other things to do. So as an example if you're an introvert –
maybe journal writing, reading, watching a movie at home… that might be something
you could do when you're bored. Or if you're an extrovert, you could go out in
the city and find free things to do. There's always something to do for free
in every city or town – just find those things to do and don't go shopping.
Because if you go shopping you're probably going to spend money that you
don't need to spend. Tip number three – shop with intention and with a very
specific list. I've noticed that when I shop without a list, I tend to get
carried away and I do make a lot more impulse purchases, but when I make a list
and not just a generic list but a very specific list… I'm less likely to get
carried away. Tip number four – when you're shopping online, avoid creating an
account and storing your credit card information. So a lot of times when you
shop online, shops want us to create an account. That way you have the name,
address and credit card information stored, so the next time you want to shop
with them it's just the matter of a click of a button and it becomes so easy
to shop. The problem is if you are an impulse shopper, it's a little too easy
to shop. So if you want to avoid those impulse purchases, my suggestion is check
out as a guest- not as someone who has an account. By checking out as a guest you
have to physically enter your name, your address and your credit card information
and let me tell you, I have abandoned so many shopping carts in the past because
I was too lazy to get my credit card out of my wallet. So there we go.
If you're an impulse shopper, this can act as a deterrent, so just try to avoid
creating accounts and check out as a guest instead. Tip
number five – embrace aspects of minimalism. I think out of all of the
tips in this video the one thing that helped me the most is becoming more of a
minimalist. I do recognize that it is not for everybody but at the same time we
don't need to completely become minimalists. Some of us may just want to
embrace aspects of it. I think minimalism is a spectrum – we can all do it in our
own way and if it can help you become a little more intentional, help you become
a little more aware and mindful of your purchases – why not? If you're interested
in learning more about practical minimalism, I do have an e-book and
workbook on it which I'm going to link in the description. And don't buy the
workbook impulsively. I don't want you to do that! Buy it if you really feel like
it's going to help you and it's gonna add value to you, otherwise you don't
need to get it. Tip number six – try to buy from stores that have a return policy
and keep the receipts. I can't tell you the number of times I have purchased
something and then I've quickly regretted it the next day and I couldn't
return it because store did not have a return policy or I lost the receipt or I
took the tags off. So my suggestion is don't take the tags off, keep your
receipts for at least for 7 days and try to avoid buying things from places that
don't have a return policy. My philosophy now is if it doesn't have a return
policy, I'm not buying it. I don't buy things on final sale because that is how
you end up buying things you don't really need. Tip number 7 – sleep on the
decision especially if the item is above $100. So I have a rule – if an item is
above $100, I do not buy it the day I see it. If it's at the mall or online I won't
buy it. I will sleep on it for at least a day if not two or three nights and I
can't tell you the number of times I've completely forgotten about the item in
two or three days. So give yourself a little time to think through that
decision and who knows you might change your mind.
Tip number eight – avoid joining email lists. A lot of times when you shop
online or even in the store – stores will ask us for our email address in exchange
for a coupon or something of that sort and the problem with that is while that
coupon may seem very nice in the beginning they're going to keep sending
you emails again and again and you're going to end up buying more things. Things
that you don't need. So my suggestion is to unsubscribe from all of those email
subscriptions so that you don't have to face temptation all the time. I think for
an impulse shopper the biggest thing you can do is remove the temptations. By
removing the temptations you're just not going to shop as much. Tip number nine –
don't shop with friends that push you to buy things that you don't need. Now we all
have friends that help us make really good decisions – go shopping with them but
then we also have friends that make us buy things that we don't need. They kind
of push us into impulsive purchases and they tell us that everything looks good
on us… when in fact it really doesn't. So don't go shopping with those people. I
actually bought a pink poofy wedding dress ten years ago. It was horrible.
I got persuaded by my friends and my husband had a look at that dress and he
was just like" oh my gosh what were you thinking? ". So thankfully that was not
actually the wedding dress I wore on my wedding day but I learned a lot from
that experience. Do not go shopping with people who you
don't really trust in terms of their opinion and who push you into making bad
decisions. Just avoid shopping with them. Tip number 10 – always check reviews for
items that are above $50. So I've a rule – if an item is above $50 I won't buy it
until I check the reviews even if I'm in the store. I will take my phone out and
I will try to check the reviews because this way I'm not making a purchase that
is somewhat expensive without knowing everything about it. I think the thing
with reviews is you've got to check both positive and negative. It's so easy to
just read the positive ones and think "hey this item is great". No. Read the
negative ones too have a balanced view and then make your decision. I have
purchased a lot of things without checking reviews and then I deeply
regretted it later, so try to avoid that. Stick to that
rule whatever dollar amount it may be. For you it might not be 50 – it could be a
bit different but stick to that rule. Don't buy it unless you checked the
reviews. Tip number 11 – remind yourself of your financial goals before you go
shopping. If you don't have financial goals then I do suggest having some – just a
number and what you're saving it for. I think it can be very helpful in changing
your mindset about money. I didn't have financial goals before so I used to spend
because I didn't really care but now I do
and I remind myself of my financial goals regularly and because of that I'm
less likely to make impulse purchases. So my suggestion is if you don't have goals…
sit down and think about what your goals might be. It could be something really
simple- I want to save $5,000 for an emergency fund. Whatever it may be just
write it down and think about it regularly so that you know what you're
trying to do and you're going to be less likely to get carried away with your
impulse purchases. Tip number 12 – re-evaluate what you already own the
next time you're shopping. So as an example let's say I'm shopping for jeans
and I see a nice pair of jeans… it's very easy to get carried away thinking "hey
it's on sale. It looks good. I need it." But then take a moment to re-evaluate
whether or not you already own something that's similar. Sometimes you actually
have the exact same color at home and you don't really need that extra pair.
Tip number 13 – think about your worst impulse purchases and make a list. I made
a mental list of the worst impulse purchases I've made and that list really
really helped me change my mindset. I realize how many impulse purchases I
forgot about and once I made that list it reminded me of how much money I had
spent and how much I deeply regretted those purchases. So if you're someone who
makes a lot of these impulse purchases just make a list and take it one step
further. Put that list in your wallet so the next time you're actually tempted to
spend some money you're going to have that list right in front of you. And
maybe …maybe it will act as a deterrent and you might not end up making that
impulse purchase. Tip number 14 – get to the root cause. If you have tried
everything in this video as well as tips from other people and you're still
struggling with your impulse spending maybe it's time to take a step back and
figure out the root cause. It could be something like anxiety. It could be
something like sadness. It could be a multitude of different things but you
need to figure out the root cause so you can work on a solution. If you need help,
maybe it's time to talk to a therapist. Tip number 15 -make it a game with a
jar method. So this is something that I recently started and I've been enjoying
it. So every single time I avoid an impulse purchase, I write down the item
and the dollar amount and put it on a piece of paper and stick it in the jar. And
then at the end of the month I look at all of the little pieces of paper in the
jar and tally up the amount that I avoided spending. So last month I avoided
spending two hundred and fifty dollars- which is not a small sum of money. It
actually is quite a bit especially if you end up saving that much each month.
So I'm going to continue doing this and hopefully by the end of the year I might
have a couple thousand dollars saved up. This is just a fun little thing that you
could do to reward yourself every single time you avoid an impulse purchase. Thank
you for watching this video, if you enjoyed it please do give it a thumbs up
because that helps me a lot and if you haven't subscribed already, please do
consider subscribing. And you can find the link to my minimalism ebook in the
description as well as the pinned comment I will see you in the next video which
will be about boosting your iron levels naturally without pills. See you then. Bye!
Here is are a few tips to help you save money while interviewing to become a Flight Attendant. From Hotels, to Food, & Uber rides.
hey what's up guys here to talk to you today about ways to save money when you are headed to your flight an interview first and foremost I want to congratulate all of those that are headed to a flight attendant interview and just stop by the channel to get some interview tips and for those of you that have recently become flight attendants and have sent me messages congratulations to you guys as well for completing training and for those of you that are just now starting the process welcome to my channel go ahead and like and subscribe I always have a great deal of very valuable information for future flight attendants so again smash that like button if you like this video and go ahead and subscribe to the channel so we're gonna dive right in and talk about ways to save money when you're headed to your flight attendant interview first things first now I do realize and understand that not every airline covers travel to and from the interview it's unfortunate it's just the way it is but that's okay because there are ways to save money on that trouble one of those ways is getting on to various apps as well as websites such as kayak or Expedia and these apps websites sell airfare at a much lower rate than booking through the airline but that's not always true so make sure that you sometimes make sure that you also check with the airline that is very important and I have actually help friends get pretty discounted flights through services like kayak and Travelocity and Expedia and all all those various different platforms websites apps that are great for saving money on travel so with that said you fly to the airport where you're gonna be interviewing probably at some hotel call that hotel if you are interviewing out a hotel for the airline call that hotel and see if they have any special rates for people that are flying in and in interviewing to be a flight attendant you will be surprised more times than not the hotel will have special rates for flight attendants that are coming to interview you just have to call the airline is not always going to provide you with that invaluable information so you have to be your own advocate and for the stuff you don't know I'm happy to help so just drop me a line or watch some of my other videos if you're not staying at the hotel that the interview is up because sometimes these hotels are very very expensive check out the app hotel tonight and that app offers unsold rooms that specific day so the day before or the day of the interview you can actually book further out but it actually gets cheaper closer to the day that you're going to stay there in my experience also let's talk transportation so transportation to the airport from home get a friend to take you to the airport or a family member or relative or something like that so that way you're not bearing the expense of travel to the airport once you get to the airport at the interview location almost every Hotel Airport Hotel or hotel close to the airport offers an airport shuttle so you should be able to take the airport shuttle from the airport to the hotel and a really good hotel will actually offer the shuttle from the hotel to your interview location and from the hotel back to the airport if the hotel unfortunately does not offer a shuttle that's okay don't despair you do have lyft and uber but take the share so take uber cool sorry take uber pool or take lyft line etc so take the discounted version of these ride shares so that way you're not breaking the bank on travel let's talk about Airbnb in my experience taking air being the arts are taking maybe staying in an air B&B sorry I have a lot going on today guys staying at an Airbnb is extraordinarily cost-effective I have seen Airbnb s go for 35 to 40 dollars a night the host cooks breakfast the next morning so you're saving money on food and the host will also pick you up and take you back to the airport it doesn't get any better than that so you this you've spent less than 50 dollars in some cases less than 40 and even 30 depending on the city in which you're interviewing in for lodging and that's incredible reach out to friends and family that name live in the city that you're interviewing in I have not to date had a friend or a family member that was not on fire for my success for my next endeavor and so there are definitely family and friends that will allow you to stay with them for your flight tonight interview there's no reason to bear the expense of an expensive hotel if you don't have to if you are just so gung ho on staying in a hotel look into your credit card points you may be able to use your points for travel expenses such as food on the airplane I know Hilton honors members can use points to stay at hotels American Express card holders have $100 travel credit per year depending on the card that you can use onboard the aircraft for various snacks etc so there are so many ways that you can save money and the more and more that I hear about people complaining that it's such an expense to come to this interview I had to take the day off of work it's unpaid then I had to get a hotel then the uber then the lift and then unfortunately they didn't get offered a cjo that that can be a big blow to the chest right and a big an even bigger blow to the wallet so I I really wanted to make this video and actually I kept jotting down various pointer that can help you guys save money because it's so important to me that people are not breaking the bank when it comes to achieving their goal and dream of becoming a 510 because these interviews are not like regular interviews you're not going to interview to be a receptionist down the street gotta show up at 3 o'clock maybe you leave an hour early if you live where I live sometimes it's 2 hours but we won't talk about that traffic is a sore subject where I live for a lot of people so there's that start thinking like a flight attendants so when you get to the hotel don't order room service go to the grocery store and get food inexpensively a TV dinner or something like that a lot of flight attendants do that or bring your own food bring a lunch box pack all of your food in the lunch box and bring it with you to the interview start thinking like a flight attendant because when you think like a fighter 10 you're gonna interview like a flight attendant when you interview like a flight attendant the recruiter is gonna say wow here's somebody that has done a great deal of research already and is very familiar with the lifestyle of being a flight attendant because one of the interview questions is going to be how have you prepared to become a flight attendant and one of the things you want to say is I've done a great deal of research so I know all about lay overs and I know about crash pads etc now that we're on the point of crash pads you can actually stay in a crash pad when you are headed to your interview and crash pads are very inexpensive and you do not have to be appliance in it in most cases to stay in a crash pad if you can demonstrate that you are interviewing for an airline of the crash pad owner or host or what have you will actually allow you to stay in a crash pad for a night which is great because you can you are surrounded with other flight attendants whether it be hot bed or cold bed or whatever the situation may be you can talk to the flight attendants and learn more about the lifestyle really determine if this lifestyle is for you and you can even talk about that in the interview so those are just a few tips and tricks to save money when you're headed to your interview and if if you want to be really really risky like I am you can actually take the red-eye out so Airlines a lot of airlines will fly you out the day prior to your interview and they do this because it's their policy they want you they want to make sure that if there's any delays or cancellations that you get to the interview on time so there's no issues and they don't assume the reliability of you not being on time it is okay to take the red-eye it is a risk I took the red-eye to a mainline interview and had a three-hour like but a little bit about three and a half hour downtime in the airport where I just sat in the chair and just kind of hung out texted friends FaceTime with people and then about an hour before the interview I went in the bathroom yes airport bathroom and changed into my suit hop on the shuttle and then went to the interview location and I was the first one there so the lady that booked the flight for me with the airline since the airline paid for she said I'm so nervous that you're not gonna make it on time I'm so concerned I'm so worried for you and I was actually the first one there so don't think that you're taking a huge tremendous risk by doing this because again there were people that stayed in hotels or people that stayed near B&BS and crash pads that didn't show up to the interview as early as I did and there were a few people that unfortunately did not make it to the interview and you want to make it to the interview on time because they will close the door and wish you the best of luck with reapplying and I know that is very shady and savage but this is the industry so get used to it deal with it and move on with that said please smash that like button the more likes I get it it helps me know that the content that I'm delivering to you guys is usable it's beneficial to you guys it actually motivates me to get out there and get more and more information for you guys for the interview processes for the various Airlines if there's anything in the video that you may want to share with the community drop a comment below I read all of the comments I like or dislike the comments I comment on the comments and make sure you subscribe with that I'm gonna beat you guys all farewell best of luck to you and I'll see you in the friendly skies