Tag Archives: saving

💰My MINIMALIST Money Saving Tips / FRUGAL Money Tips (LESS is MORE)

**💰My MINIMALIST Money Saving Tips / FRUGAL Money Tips (LESS is MORE)**



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So you want to save money like a minimalist?? You want to learn more frugal living tips?? Well this video goes over my frugal lifestyle everyday of how to save money from just a few cents to thousands of dollars.

1. Library 0:43
2. Water at restaurants 1:09
3. Leftovers from restaurants 1:37
4. Survey for gas 2:34
5. No food at movies 3:32
6. Ninja at movies 4:26
7. 2 meals a day 5:06
8. Keep money in MM 6:27
9. Use credit cards 7:11
10. YouTube as entertainment 9:06
11. Video games are cheap entertainment 10:17
12. Walking around block for leg day instead of gym 11:01
13. Planet fitness massage chairs instead of chiropractor 12:07
14. Investing personally instead of using someone else 13:34
15. Use high interest savings accounts as much as possible 15:21

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I am sure that you have heard of multiple other frugal living tips how to save money and everything like that but we're going to be talking about a little bit more specific things that I love probably a little bit more than I should to actually save money and if you want things a little bit quicker I'll leave timestamps in the description so you could jump around to what you might seem interested in hey guys how's it going and thanks for coming I'm Nick and this is real life money where we get you debt free so you could start making some real money and start living a real life so frugal living tips there's always ways to save money we're going over a bunch of them in this video so let's get started the first tip that I do a lot like usually every weekend is go to the library I just like this to one you can get free movies you could get free books you can get free audiobooks which I really love I learned a bunch of this financial education stuff over the years investing saving money real estate or really anything you get like a college degree while just driving to work next couple of tips are involving restaurants now obviously I would try to avoid restaurants because they are a bit expensive but every so often going out isn't horrible so if you do go out to restaurant number two would be just ordering water not appetizers and desserts basically so I always get water one just because it's healthy for you right I don't like getting soda and everything like that so it is healthier and it's also cheaper but focusing more on the food going on to the number three is just to make things easy let's say it's like $12 for something that's a little bit pricey for food that you could probably get in a supermarket for you know probably few bucks several bucks whatever well sometimes these entrees are actually larger than well everything is larger than a serving size we all want more but what I sometimes do is actually eat half of the on yeah entree and then I use the other half or like leftovers for the next day so that $12 meal ends up being split into two meals which is six dollars and six dollars when you're looking at six bucks it's actually not to bed of course you have to factor in the tip and everything but still it's saving you half the cost number four I do every single week I think I'm smooth about it but this is surveying the area for gas and I'm talking about gas prices I am NOT talking about going five towns over to get two cents cheaper on a gas what I do I just survey throughout the day so when I go to work I look at all the gas stations that are pests and then I go home like a separate way and then you kind of just look at the cheapest one so if let's say the cheapest one is coming back from work then I just go to that gas station when I go to work the next day I mean you kind of hope that that that cheap price is still there but again you just survey the area see what's cheaper you're not going to save a million dollars this way it makes me happy if I save you know a few cents especially when you don't have to you got to get gas anyway that's what I do next couple is with kind of geared toward entertainment which is the movies number five would be just simply no food while going to the movies now we all love going to the movies to see whatever is out there my personal I loved inception or interstellar and I like movies that make you think because not many people do that anymore anyway you know when I was a kid I always got like popcorn and you get soda and everything like that as I got older I actually don't eat anything at the movies most likely you're going to have lunch before after the movie so there's food for you or you're probably going to like dinner and then a movie or a movie and then dinner like you're gonna have food close to the movie so you don't need that extra food one you save money but it's also healthier for you and that's what I like number six is being a little sneaky if you wish to bring some type of snack to the movies what especially what my brother does he loves those sour gummy worm things so you go to the dollar store which is a dollar you pick up a box or two versus if you get candy at the actual theater is like five dollars so you know you're saving a few bucks there which is very nice and then you simply slip that into your back pocket or something like that no one really cares and then you just go into the movie theater you save money on your candy and you still enjoy your movie now before we're moving into number seven which I've recently adapted and I'm actually saving a bunch of money with it if any of these are like relatable to you or do you have any separate ones that you love doing to save money definitely leave them in the comments section below to help others out save money just like you but anyway number seven we're talking about basically skipping a meal or combining meals let's just say most people they go breakfast lunch and dinner you got to take time and money for each of those meals so obviously I usually do this during the weekend because you have a little bit more time I kind of have a later breakfast and an earlier lunch so you combined one giant meal like a brunch I guess you can call it so one meal it takes less time it's less money and then you just have maybe like a smaller dinner later on in the day so you're not wasting your time and money on two meals you're combining both of them and I think that's great during weekends because it just saves you it's not only the money part but it's also time you want time to relax during the weekend or do anything that you actually like to do so I think this is actually a great tip number eight which I get a lot of joy from for whatever reason and I don't think a lot of people utilize this as much as they should a lot of people have no idea to focus on their bank accounts I focus a lot on my bank account so I put most of my money in a money market account right now I'm getting like 2% rates could be dropping so it might not stay like that but I'm keeping all my money in a money market or most of my money in a money market account to get interest instead of like a savings account that doesn't really give anything or your checking account which gives absolutely nothing so no matter if you're getting you know a few extra bucks in your money market I keep it all in there so as we're talking about money markets we're gonna be moving into number nine is using credit cards a lot of people are gonna hate that you Dave Ramsey fans I completely understand for most people they're horrible things you just spend a ridiculous amount you don't even think about it and you lose a lot of money like that and this cash back option is what hit people even more because hey spend more save more spend yes spend more you save more no that's dumb don't fall into that trap but if you're smart and wise and could actually manage your money a little bit that's why I personally like it is that one I get cash back on credit cards again you're not going to become a millionaire from it but I get a few bucks back of just necessary purchases by the way I'm not just spending more to get more cash back I spend it on gas food that's it and wile I pay that money back every single month by the way never pay money on interest just pay it off every single month I set that up with my money market account so going back to number eight so I try to keep all my money in my money market account I schedule the credit card payment for let's say the 25th so I keep all the money in the 25th and when that comes around there's an automatic transfer from my money market to pay off my credit cards it is probably insignificant I might save a few cents maybe few bucks depending on the amount of the bill but when you keep that money in that account as long as possible you maximize your interest if your frugal this could definitely make you happy a normal person probably won't so if you're liking these so far and you're not a normal person whatsoever just like myself give this video a thumbs up if any of these are helping you so let's move on right into number 10 which is entertainment I think entertainment is very very important because of course we got to enjoy life a little bit but a lot of people spend way too much money on entertainment they go out every weekend they go to concerts all the time and trips all over the world and I'm not saying to not do that but when you really enjoy the small things that's what life could be about so for my entertainment I actually find a lot of entertainment on just YouTube I'm crazy enough I think I find myself entertaining sometimes but just other channels not only no financial channels I'm into video games so I watch that maybe some cooking maybe some people falling down stairs or whatever you find interesting YouTube is a great platform because it's free it's entertaining and you could definitely it's like a part of a community you could leave comments piggybacking off of entertainment number 11 I used to be a huge video game nerd in school still play it not as much thank God it consumed my life but that is a pretty cheap form of entertainment for me personally I enjoy it and you really especially if you're into like older games you could enjoy for hours days weeks even years after spending 10 20 30 dollars and then you're just entertained forever so that's why I enjoy video games and I usually play with my brother so it's good quality time as well number 12 I just started thinking about this it kind of works it really depends on the type person you are but this is I am involved with a gym membership and I do believe that people should be active possibly go to the gym if you want to save a few bucks there by all means but I do like going to the gym every so often to just stay active lift some weights just to you have one body you got to take care of it however to save a few bucks and this is just to like save money on gas essentially to not go to the gym for a leg day or if you just want to like walk around instead of driving there driving back if the gym is far from you you save even more money miles on your car you just walk around your block it's quicker you walk around your block around your neighborhood you could walk with someone you get outside instead of just staying inside all the time and just enjoy it that way number 13 which I recently got into sticking with the gym idea sponsored by Planet Fitness no I'm kidding maybe in the future but I do go to Planet Fitness so if you guys do plan on going to like a cheap gym it's ten dollars a month to take care of yourself for ten dollars a month that's not expensive that's actually very very cheap so I actually have the black card membership and I'll tell you why because I have an office job and I had some back problems and in the past and I used to go to a chiropractor so no I go to the chiropractor he cracks your back you get scared you think you're gonna get paralyzed he breaks your neck and everything and that's not cheap chiropractors I mean the one I went to have forgot the exact price but they could definitely get up there especially when you go there often some people go weekly I used to go monthly but you know you spend a couple hundred bucks will Planet Fitness Black Card membership has massage chairs so for an extra ten dollars a month I kind of have a chiropractic massage on my back for just ten dollars you enjoy it you say down so you save actually a good amount of money might not be like to the maximum benefit of a chiropractor but it's better than nothing so that's what I like to do next number of 14 of course i goddess peaked on my investing side is I personally invest my money versus using some like a financial adviser to save me money well they don't save your money at all really because you're gonna pay them expenses you're going to pay them fees so you're overpaying for usually under performance if you guys are interested in investing of course I have other videos like that but a lot of people have no idea so they pay these people which usually aren't the best so I usually just invest my own money a lot of people just love index funds and you could save a ton of money that way just fun fact for you something that I found disgusting 401ks if your company you know provides this for you you would want to save for retirement and everything the average person for a 401k pays a hundred fifty thousand dollars in fees without even knowing when I found that out I thought that was disgusting because they're just fees for the 401k there are fees for mutual funds when you minimize those fees you know that could be saving you hundreds thousands tens of thousands or even more throughout your life especially with compound interest and everything like that so that's why I just invests in my own investments even just like Vanguard because their fees are very very low that's a huge benefit of being frugal that I love it's not only being frugal it's just a smart way to invest and the next thing that I like saving money is more of just like accounts of high interest savings accounts or any other types of investments so if you don't want to let's say in best for you no more risky things this is more on the safe side so you can get into money market accounts kind of mention this a little bit before but it is separate from a savings account they kind of have benefits of both the checking and a savings I go to a credit union definitely recommend it because they're not for-profit and you can get more interest better rates even forever other things like mortgage car car loans or anything like that so definitely recommend a credit union and they have good money market accounts so I like money market accounts versus like a savings account if you're into t-bills that's investing in let's say like the government you could invest like one two three months I'm not going into much with that just interest rates are really weird right now it doesn't make sense to invest in them right now because like a lot of money market accounts are actually paying the same as a t-bill so right now might not make sense now that's just me personally some of these make complete sense some of them make no sense so you would have to make the decision on that whether you like that or just hate some ideas I do believe that you know saving a few cents doesn't always make sense since since anyway I would actually recommend because we have limited time sometimes I would actually spend more money to save time so that's something that I would definitely leave you off to think about so if you guys have any questions comments concerns please leave them down below I love would love to hear what you have to say so thank you so much for watching guys really appreciate it and I'll see you in the next one

Solution for Stock Market Loss

**Solution for Stock Market Loss**



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Do You Know How To Save Money??????

**Do You Know How To Save Money??????**



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New Worksheet for Paycheck Budget

**New Worksheet for Paycheck Budget**



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In this video, I am showing you the new Bill Tracker for my paycheck budgets. I love the new layout and how there is a spot for every area of your budget. This Bill Tracker can be used for any income and any pay schedule, which makes it truly customizable to your own life. For me, it’s the perfect solution for creating a plan for your bills, saving, and debt.

This new worksheet will be released next month, after the release of the new physical edition of the Budget-by-Paycheck Workbook at the end of next month.

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good morning I have been up since about 3:30 this morning I woke up I had a dream last night oh my gosh I don't know why this happens to me ha but I had a dream last night and in my dream I saw the bill tracker and the bill tracker had rounded corners I'm gonna show you this morning so here's the thing since I went from paying off all of my debt to now i'm in savings mode I realized that if I'm in this position then there's got to be other people out there in the TVM family who is also in this position where you don't have debt and you have savings on the old bill tracker and let me just grab it I'll be showing this on the table as well but on the old bill tracker there is only an area to make extra debt payments there is a savings plan area but I've been using it for my sinking funds and so something that's been kind of bugging me is that in order to make any or to put on my budget that I'm you know I have extra savings like savings going to my house I've had to white out the word debt and put extra savings here and so I also realized that a lot of my paychecks at least once a month I have a paycheck where I have multiple sources of income and I like to break my income down as you can see I have it written down here I was getting frustrated as you can see there's white out on this bill tracker but of me having to write it over here on the side there was just a couple of small things like that but in my dream I looked and I was looking at the bill tracker I'm sorry I'm just so excited about this probably why I couldn't go back to sleep tonight I get very very excited about these things I created a new bill tracker I try sharing maggiore to reminders that they're in that work hard work dedication motivation it's all about having a plan here my my life they're like oh man you go in as you can see now and let me bring the old ones side-by-side so you can see it here's the old ville tracker right here here's the new one this one has a couple of boxes you can do your income now but how you work your budget is like this you pay your regular bills online first step take care of your regular bills then you take out cash for your envelopes then you take care of those expenses that come up in your life that sometimes forces you or pressures you to use your credit card now remember my budgeting method is all set up to deter you from going into more debt it's getting you to set yourself up financially for the future so you have cash for those expenses so then it becomes your sinking funds after you have your regular bills paid your variable cash envelopes taken care of you are thinking about the future then it becomes extra debt payment and after that you have extra savings okay those are this the this the order in which the debt your budget should be laid out so now there is an area for everything on this new bill tracker as you can see with the old bill tracker I had just one area for savings one area for debt now you're getting an area for sinking funds and extra savings if your budget will allow you to do it I kept all of the letters and numbers to help you fill it out you match up the letters as you go along so for instance after I pay my regular bills I have a leftover income of 619 C the letter A so you might be wondering well what do I do with this 619 we'll look for the letter A here it is you use it for your envelopes once you take care of your envelopes it's how much money do you have leftover leftover B I have a hundred and fourteen dollars so your ask yourself what do you do with that 114 you take care of the future and here you go see how the letters match so you'll use your leftover income 114 you take care of your sinking funds now in my budget for the 20th which is today which means I need to still go online and pay my bills I will be going to the bank to pull out cash on for my envelopes today but I do not have anything for extra debt I don't have any debt or extra savings but as you can see when I get to my paycheck on February 28th I am making an extra savings contribution to my house savings and do you see how I have to wipe out not anymore there is a place for that now when I talked about seeing in my dream the rounded corners do you see how on the old bill tracker its square like these are just square boxes now they're rounded and this is what I saw in my dream I think this gives you a more overall financial plan because remember your budget is not just writing down numbers for your bills a budget means preparing it means planning an overall plan for your entire financial life that's savings that's variable spending that's paying off debt all of those things should be included in your budget and when you do that you will truly feel prepared because you're truly giving every dollar of your income a place in your budget or financial plan this really does take care of the three major things in your budget bills debt saving and of course you have your cash envelopes for your variable spending so here's the old one and as you can see another thing I didn't like is my monthly bills sometimes I didn't have enough to get these two spots filled up so I had to use arrows now it's all on one area right here there is enough lines I spent morning updating the new bill tracker I got some suggestions yesterday that the flow was kind of off and I wanted to add something someone be showing you I'm gonna be showing you um the new bill tracker and what that looked like today so let me show you what I have going on so this is the new bill tracker let me kind of just show what's going on here and I got some comments about wanting some more income boxes and to add a budget an actual area to the income as well as to the sinking funds extra debt envelopes and extra savings so now there is a budget in an actual column for that I also got asked to change the flow of the worksheet so now it is an order so bills envelopes sinking funds extra debt and savings because before it was going from left to right right to left and it was bouncing around a lot so now all of the boxes are adding up in order I did add more envelopes and more areas to the extra and extra debt and extra savings area so this is the new bill tracker I am not making any more changes to it um in fact I already filled out my paycheck for the 28th with it and I'll show you what that looks like really quickly this is my paycheck for the 28th and it's wonderful now remember my paycheck with the 28 is a full month this is one month budget because I am I'm switching to UM self-employment income where I'm going to get paid one time a month on the last day of the month so these are all of the bills that I pay every month all of my sinking funds every month and I did have money left over to do a house savings contribution and we'll be doing a video overview of this paycheck as well if you found this video helpful please share it and don't forget to subscribe you