I might've gone a little overboard... [August 2023 Monthly Money Recap]
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- เผยแพร่เมื่อ 26 ก.ค. 2024
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“It costs $100 to breathe the air” 😂 I fell over in my chair laughing until I could hardly breathe 😊. ❤
Relax it isn’t that funny. Like maybe a solid chuckle
@@sparrow9982 😂😂😂😂😂😂
Most people are deficient in Vitamin D, especially in the winter months. Since I started taking 50 mcg or 2000 IU daily, I've had no colds or sickness at all.
Lol I spewed my drink when you said it costs 100 dollars to breathe the air around here 😂👏❤️❤️
I can imagine it was hard to pull the trigger on a peloton but as fellow SAD sufferer, recognizing, understanding and taking care of this is priceless. Enjoy it and I hope it helps you. I use a light lamp and increase my vitamin D during the winter months. You tell great stories!
It is so hard with a dog not feeling well. My Roxy dog throw up one night, a couple times, I dont know what she ate that didn't agree with her? i slept on the couch by her, took her took her out, she had a little loose stool. I had to wash extra towels, blankets. I was giving her pumpkin, cooking food for her and rice. It was a long week but she got regulated. When she is happy I'm happy
Yeah, Nicole, I just discovered you today and went thru about 10 of your vids (retired life is great!) and you are one very unusual young person - mindful, honest, rambling to entertain but on topic when necessary. Your content is varied and you somehow make the mundane interesting. I was in pain listening to you relate your house buying and selling follies which you not only seem to have survived, but you may be turning into an affordable life lesson .Then LoL'd the waxed unibrow sidebar in this vid because I saw the vid thumbnail of you in the bathtub with your hair up, which took me a moment to to realize it was indeed you.
From what I've gathered from surveying your vids, your total housing costs are some crazy percentage of your income, maybe above 50%. While 30% is a more usual housing percentage max, there's no hard and fast rule that says you can't prioritize your spending to make higher housing costs work. Just have sufficient emergency funds put aside ESPECIALLY since you're self-employed. I've been hearing about the mortgage crisis currently underway in Canada and I'm thinking your mortgage renewal may hit next spring as rates are sliding down from the peak - after things are so tanked the banksters are hoping low rates will resuscitate the economy enough to get money flowing into their coffers fast again. Best of luck from Buffalo...
Honestly I am very impressed you only spent less then 200$ on groceries. I have heard nightmare numbers like 400 to 800$ for a single person apparently.
Come over to Europe and do some groceries here! 🤣
This is from a pure nutrition standpoint: there isn't nearly enough protein in those groceries she bought. Someone her size needs probably 100 grams of protein per day.
I would love to see a video on the difference between the US and Canadian finance structures. I would have a hard time sleeping with a temporary fixed/ variable loan on my house. Good video as always.
Yes, rest and relaxation will help with health, physical and mental. I was giggling over the cost of breathing there. 😄
I think you’re doing great. I have a cat and last month I had a vet bill of $700 and her poop 💩 test was $89. I thought that was crazy. It was hard spending that money but worth it. For vitamins I take vitamin C and Vitamin D. I started taking 10,000mg of vitamin D3 and that really helps my SAD disorder. I take it every day.
Aww, hope Levi is doing better! Yes my daughter has a dog name Bella, and she was having tummy problems too! But,she is doing better! I'll pray for Levi! Have a awesome Blessed week.Natalie
Yes vegan sushi is a joke. It’s literally $2 in rice and $4 in vegetables lol
We are comfortable middle class family and can’t afford to eat out. I cook EVERYTHING except sushi. It has to be a real fancy occasion for sushi. 😂
Vitamin D is probably more important than C (not that you have to choose). As a vegan Canadian you are almost certainly deficient in D, which means that not only are you gonna get sick every fall/winter, but SAD is gonna kick your ass. Also, my workout tip (been hitting the gym for 45 years) is to not let the perfect be the enemy of the good. An easy, semi-lazy workout every other day or so consistently done from now on is way better than a kick-ass workout that burns you out and you quit in a month. Establish a baseline and then make it your goal to SLOWLY improve on it. And don't worry about an app - just time yourself and put on some music. Sorry about your dog, but I understand. I don't take risks with my dog, either.
Vegans usually don't want to hear about this, unfortunately.
I think getting the Peloton is a good longterm purchase. You've obviously thought about it quite a lot, and it seems to add value to your life. I also have a spin bike, which costs close to $900 new, and I found that it was very helpful to keep up my fitness during the long months of winter in Canada. It's much better to work out at home than spend time and money going to a gym.
Consider adding Vit K2 along with the D3. It's good for bone health. Also, takes Zinc with quercetin to interfere with virus replication.
Resistance bands for weight training are cheaper than weights. Again weight training is good for bone health.
Frugality doesn't mean deprivation, It's just prioritizing some expenses and cutting others.
Concerning your dog: Have you tried fasting him for twenty four hours, Followed by a bland diet of boiled hamburger with the fat poured off mixed with rice? It's worked for my dogs. It seems to reset the digestive system. Ask your vet about it.
I have really enjoyed your videos, Especially the ones concerning normalized scams.
Happy birthday! Hope you aren't sick
its ok to go overboard, just make sure the fridge is full, bills are paid and health is in check before you splurge. knowledge that comes with being alone. i love your channel by the way.
I wanted to comment about your dog tummy problems. Last year I tried to fix my dogs tummy troubles by altering her diet for several days before calling the vet. It happened to be close to time for her annual visit. I asked him to check her even though he wasn’t concerned, bc she does not have access to outdoors except for short walks for potty time. It turns out, she had contracted a parasite from sniffing ground that as parasite from another sick animal, during our walks, and she had to be put on a special medicine. It took 4 weeks to completely clear up. I live in Texas, so it cost about $42 for test and medicine. But, all that to say, it’s better to play it safe.
Last December, a friend of mine killed herself. It rattled me and made me realize how much I love to exercise. I bought the lululemon studio Mirror. I loved it and took 2 classes daily until a few months ago. Now I usually just do it on my phone at work (a quick yoga or Pilates class after lunch). I regret buying the mirror, even though I got it for $800 American, which is less than the usual price. I also feel like every class is the same. I am going to cancel my $40/month membership in December (you sign a year contract). So I’m stuck with a mirror. I can stream TH-cam yoga or Pilates classes free on my iPad I guess. The mirror is no better than the peloton scam!
Please keep making these videos. These are my favorite kindsssss❤❤❤❤
New couch hack. We bought a new couch last year. It was not super high quality but it still cost enough. Pet peeve for me is when the cushions slide out so I went to Michaels and bought a big pack of heavy duty Velcro (with the 30% off coupon that always is available on their app). My son and I applied it to each of the cushions in an opposite pattern. So horizontal on the couch (2 strips) and vertical on the bottom of the cushion (3 strips). I did have to go back the next day for a second package of Velcro (big sectional) but that meant I could use the app coupon again. It works like a charm!
A big hello from Australia 🇦🇺 Love your videos Nicole! Thank for your awesome advice!
As a European with a mortgage, I understand you very much. For the last year and a half, Euribor has been growing like crazy. It is now twice my interest rate on the loan. And there is no limit in sight.
I'm a southern US 67 YO, (Boomer / Neanderthal ), white conservative male, frugal and stoic and I enjoy your videos. Kinda refreshing to see younger folks with your views and life managing skills. There are a few things we wouldn't relate on. My type of stoicism doesn't meld with existentialism and the variants, which I find too heavy with suffering and meaninglessness. Also, "tee off" too much on religions along with some ego feeding and superiority. That's not relevant, but I threw it out there for flavor. I hope you didn't spit up. Don't know much a Canadian's, but I like nice people. So Hello, from afar.
Hey I’m southern too. I got involved in my town’s minor league hockey team as a booster club member. I have met lots of Canadians who moved to Bama.
My yellow lab ate a sock and needed surgery. Six thousand dollars to remove the sock. She’s doing great but it was expensive.
Double income is so important in today’s economy. Mortgage resets alone will cause a recession along with falling house prices. Mortgages suck.
I really enjoy this series Nicole. Especially since my current situation is similar to yours (mortgage and fur baby) and so I find them relatable. Sucks with the peloton mismarketing but hope you can find a way for it to work for you! The mortgage fixed term is very similar here in the UK, so I’m also saving up extra to repay the mortgage sooner 💪
You make really good videos. I find it interesting to hear how other people live, when the information is presented in a straightforward way, by somebody who speaks well (as you do) and who doesn't spend a lot of time doing visually distracting arm-waving and hand flapping. Altogether enjoyable. Thank you!
Hey, these months happen. I suddenly changed my car about 5 years ago when a suitable vehicle came along second hand at a really good price. I had been looking out for a replacement as my old one was getting unreliable, so it needed to be replaced. So long as you have the funds saved up it isn't a problem.
In the UK we have short fixed term mortgages as well, I found that when it got to the stage of refixing after the fixed term the cost of getting it rearranged made it more cost effective to stick with the standard variable rate and pay off as fast as possible.
Eating out is ridiculously expensive these days. I don't know how anyone can afford it or not wince at the crazy prices. Home cook all the way!!!!
On my birthday in 2023 I when all out and got ALL the extras I wanted on a pizza - bacon, goat cheese, artichoke, prosciutto, ALL the olives, pineapple, mushrooms, capres, and PEARS!!!! It cost $80 but that was the best pizza I've ever had and I don't regret one penny of it LOL. I vlogged it too of course😄
80 bucks for sushi is such a scam! I love eating out but always look for good deals! Great video Nicole!!!
I got a basic stationary bike last month too. 😆 Amazon had a really good sale on one so I got it for about $180. I usually take my dog on a walk too but this summer in FL has been sooooo unbelievably hot (even still) so I hadnt been able to since June. My bike has a mount and I usually just listen to podcasts/music or watch YT videos on my phone while using it. Overall a good investment!
Oh Nicole! I can't believe you bought a peloton!! Ha! Ha! Just giving you a hard time! You're a very smart young woman, I want my grandson to watch you!
Just got back from the vet for my two dogs’ annual visit. Bill was just under $700. Very expensive to have pets, but they’re worth it 🐾💕
Veterinary Secrets channel is great. Saved me thousands. Also when my dog needed surgery, I drove to a rural vet clinic. $500 instead of $4000.
It's worth more if you would of invested those under $700 and continue making money.
I've been a vegan since the early '90s. My blood work comes back excellent every time. Protein within range, HDL/LDL within range. Blood pressure excellent. My organs and biology would be a wreck by now.
Great video! I am not sure if I have SAD, but this past fall & winter, I was completely drained by 1:00. I will definitely trying more aerobic exercise to see if there is a difference . I had a complete medical workup..all normal. Hope you enjoy the bike!
Wow ! - $2733 a month isn't frugal. I only spend the UK equivalent of $200 a month for food, bills and anything else. I also save $500 a month. That's frugal.
Very interesting video. Laughed at the Bert pic. I totally get buying a dud couch, I did exactly the same thing. Got a cheap sofa/bed. Was uncomfortable as a bed and sofa. Ended up getting rid of it and got a simple leather 3 seater sofa.
Hi Nicole 🤗 I enjoyed this vid and good that you are taking care of your health. A few years ago I spent $600 on a used road bike to use as a dedicated trainer bike for the Winter. It was definitely a want but the convenience factor was what swayed me to do it. My husband and I have one bike trainer and we just have to swap out the bikes depending on who is using it at that time. I hope you like your Peloton! I have heard good things about the bikes and their classes. Would really like to see a video about the differences between US and Canadian finances etc....
My house is not fancy like yours and a lot older. I bought it on a 15-year loan but due to an unstable job and layoff, I paid the loan off in 1995. I did not want the stress of a payment and no work. Eight months later they recalled me to work but at least I didn't lose my home.
The most common mortgage in the US is 30 year fixed. There are also 15 year fixed. In some cases you can get a 3/1 or 5/1 Adjustable Rate Mortgage where the interest rate is set for the first X number of years and then resets every year after that. I think the max is like it can go up 2% per year but don't quote me. Usually, those mortgages are about .5% cheaper than a 30 year.
Funny you should mention being sick for your October birthdays, this year I was sick for mine,October 23. The antibiotics finish on Monday. I am not feeling 100% yet.🙄
anyone can look good on the internet look like they are living large and its all a charade so dont feel bad because you dont havewhat they got cause they aint got it either
Your bangs look like mine before I discovered texturizing. Highly recommend to remove the volume of hair in front.
Vitamin D all the way! Check out some videos. Here in Canada we are all deficient. Try even 2000 mg a day. Chewables are an easy way. Wait for a sale and stock up. Zinc is really good too when it is cold and flu season. Small investment for not getting sick.
Nicole is in Toronto Canada too.
I did all-you-can-eat vegan sushi at Planta (Yorkville), and it was delicious. I think it was $27 per person on Mondays after 5pm.
Great video, you did good spending the extra money on your Son. He’s so cute. The bike was also good.
I have all the Bowflex dumbbells and the barbell set. Quality cost, accept it.
Sometimes we have to make investments. Couch and bike were investments.
I pay my mortgage every month and make another payment in the middle of the month. Whatever I can afford without straining my finances.
It is no accident you are able to take care of your fur-baby. Being frugal, pays off!
Fun! I would love to hear more about Canada vs America. Very interesting! Hope Levis new diet works 🤎.
I can join a gym for less than the Peloton, but I guess if you want the convenience of cycling at home it's somewhat worth it.
For $55 a month they should just give you the bike.
Right?! I’m thankful I bought it secondhand. I couldn’t imagine spending $2000 on this bike (that many people actually have financed) and then still have to pay $55 for the app. No wonder their stocks are crashing.
@@AccordingtoNicole Just be glad that you weren't one to buy into their stock as well, but be sad you didn't short it on its way down (though most of that fall was twoish years ago).
I pay $40/month to go to the gym. Group classes included.
Same here in the U.K. re mortgages. When the Covid shit show first started and governments printed to infinity threw everything at my last debt the house just before the hikes started. Paid off 10 years early - was a struggle but treated it like a game. No regrets.
Your $500 per month transportation cost makes me very glad I cycle for transportation.
Always learning something from you, Nicole, thank you!😊
Wow so cool we’re both turning same age same month mine is October 14th 😊
I agree with you that I save for what I want or need to buy. I also don’t go into debt to purchase most things. It it so expensive to live there! Would you consider living in the US? I would like you to make the expenses comparison video. I hope your new couch arrives soon. Very good video as usual. I look forward to them every Sunday! I hope Levi gets better soon! He is so cute!
Must have been the month for spending, me too. I bought a couch. The old couch is falling apart, stuffing coming out, cushions flattened, I got the new one at a good sale price. I’d been waiting and waiting to buy a new one. I also bought a dining room table and chairs, also on sale. The old one is falling apart, it has a glass top, and the bottom part is getting so bad that the top is in danger of falling is someone’s lap. Total was about $800. Not to bad. Problem is what to do with the ones. I don’t know anyone with a truck to haul them off, so I’m going to have to hire someone. I hope I don’t regret this purchase. The old dining set is over 20 yrs old, and the old couch is over 10 yrs old. Just saying that to justify this to myself
yup, rest en no stress is vital.....keep the vitamins it can't hurt
Hi..Nicole! Love theses videos! Keep on rocking! Hope you stay well and Levi too! Thanks Natalie 😊
A good workout for me is to put on some good music and do a rhythm ride. You can sit or stand, low resistance or high resistance. I don't have a Peloton brand spin bike but should be much the same.
I’ve got a mount on my exercise bike and I usually watch TH-cam videos from creators I like (eg. You 😅) or listen to a podcast or something. It’s still hard work but I save the vids I want to watch for the exercise I need (but don’t want) to do 😂
(I use my phone)
You do a great job and you are confident enough to share it with us. But what I really wanted to say was I love The Simpsons analogies!!!!
Hopefully Mint Mobile will be able to work in Canada soon, it's nice only paying $180 a year for my cell coverage. That'd save you a decent amount.
Something that might be interesting to watch is if you did a comparison of the S&P index fund you have to some of the 'green' index funds offered. Start at $100 each and report their progress, or regress, in videos every few months. I've never seen a long-term, real world comparison of regular and green index funds.
Yes on the differences of finances Canada and USA
Would love to see a US/Cdn comparison video please..
I really liked this video!
Sometimes being frugal means cutting down on things that don't matter to be able to have the financial health to invest in the things that do matter to you, your priorities. 😊
Of course, I live in Argentina, so our monthly expenses here don't look like that at all. For example, you can get a good place to rent for 200/300 USD. The thing is we're currently having a huge economic crisis so our coin depreciates more and more and so the dollar value will become cheaper as a result.
Great content! Please keep it up! ❤
Wish you the very best to you and Levi!
I agree that vegan foods made at restaurants are widely over priced. I can eat a week off of the same amount from food at the grocery store. For SOD, I double dose vitamen d, and I try to add a weekly swim on top of daily walking/hiking - with something different on the weekends.
2700 is a lot wow. I pay 2100 for big house on 16 acres.
Great video... I hope Levi is feeling better 🎉❤
Thanks for this video Nicole!!
$60/mo for Peloton? No freaking way
On that Peleton, and boredom while riding. I have a 300$ airlbike with arm and leg resistance. I put on some TH-cam music videos via my laptop and earbuds. During the pandemic, I clocked 1200 miles. I am 72 now, still use the airbike. Exercise is definitely worth it, but you don't need expensive equipment or gyms.
Snap I will also be 31 in October this year
Love your videos
Nice budget clip. 👍 IHave you looked into taking spin classes? Here in LA we have cycling spin classes that are pretty popular 🚴 Group ride can be fun too 😊 Good ☘ next month
In regards to ur mortgage. When My husband and I got our first mortgage the interest rates were high so we opted for a one yr term at a variable rate so if the rates went down in that term we would save and if they rose we were notified and locked it in at usually a five year. I hope this helps. Btw, I’m enjoying ur videos and I hope Levi feels better soon. 🐾
That really sux you have to renegotiate the interest rate on your home. That actually pisses me off and I don't even live over there. It's like they want people to be unable to pay off their house early. Hopefully the interest rate at least stays the same for you next year. And I hope Levi's tummy is feeling better. You mentioned $80 for sushi and that reminded me of when my brother in law and his wife came to visit a few months ago. My husband had been wanting to try a Korean BBQ place so we went to one. It was $200 for a plate that feeds 4. When I saw the price I of course ordered just water to drink. The food came out and it was a large plate with various meats that you cook yourself at the table and a scoop of rice for each of us. (Why in the world is it more expensive for the experience of cooking your own food at a restaurant?) The meat was fatty and looked unappealing so I just ate my rice. Since our half was $100 I had technically spent $50 on a scoop of rice and a glass of water.
One thing I'd be interested in hearing your perspective on in a future video (since you touched on home ownership and mortgage rates here) would be your take on renting vs. buying. I doubt there's a definitive answer since everyone's situation is different, but I'd like to hear what you think since you obviously decided to prioritize buying a house at a young age.
I like your series and keep doing it.. I live in Toronto too so I get idea where I am standing. This city expenses are getting worse everyday for sure.
Hey Nicole, Sacchromyces Boulardii and puréed pumpkin (can buy in tins if prefer) helped my dogs sensitive tummy.
The U.K. has a mortgage akin to the Canadian.
Please do a video on Canada finances vs US!
Canada’s mortgages sound similar to America’s “balloon rate” mortgages. However it’s more common to have a 30 year fixed rate.
Last year I blew my budget on two new couches for the same reason. My couch was 13 years old and it was so uncomfortable that it was costing me money because it caused me back issues and I had to frequent a chiropractor. I bought a tight back couch this time around, not as fashionable but so much more supportive. My dog can no longer sit on the back and contribute to its wear.
The mortgage market in the UK is the same, my five year fix finishes in January and I go from a lovely 2.14% to over 5%, so painful.
It's the same in the UK remortgages. We also too out a two year deal ends Feb next year. Interest rates have come down slightly in the UK but will still cost us.
I’m really loving the spending app you recommended to track income and expenses! (I think you mentioned it in a different video) but I wanted to thank you. I do not budget and have tried and not like budget apps. But I do want to track income and expenses and I’m liking the one you recommended and I think I’ll stick with it 🤑
Don’t know if it works the same in Canada as UK but usually within the fixed rate of a mortgage there is an overpayment allowance which means you can overpay a percentage of the mortgage each year without penalty. In my experience the banks don’t exactly advertise this but it makes a difference if you can afford to pay extra. Also whenever you have a pay rise increase your mortgage payment by the same percentage or put that amount away in a savings account. It might not seem like much but it all adds up to help pay off your house earlier.
Thanks Nicole ❤
YES! Do a video about finances in Canada vs the US. ☺
Here in Australia, you get a mortgage for however long the banks will give you the loan for and the interest rate is whatever they decide at the time. So, shopping around for the lowest rate is the smart thing to do There are variable interest rate mortgages and fixed rate ones. With the variable interest rate, you pay what is current at the time. So, if the rates are low, you're golden but if the rates rise and rise a lot, your repayment can be insanely high. As the for the fixed rate, the bank will offer you a rate and you lock it in for however many years they offer it. The downside with that is that if the market rate drops substantially, you miss out on the savings because your interest rate can't be changed. But if the market increases, that's when you're better off. I don't own a house (I wish) and at 57 years old, no bank will touch me, unless I have a huge deposit. And I'm talking hundreds of thousands of dollars. But I'm not worried, my rent is reasonable and I have a full time job I enjoy. So, I figure I have a lot to be happy about.
Yes! Interested in difference in financing between US and Canada. Thanks as always for informative videos!
So Levi get better soon mate!
I love your channel. I think you are smart and live very well.
That mortgage agreement is HORRIBLE! So sorry Nicole.🥰🇺🇸
Good for you on vegan. They say fake plant based sushi tastes a little fishy.
I hope Levi is better 🥰 I can't stop watching that couch you don't like in your videos now 😅
I make a wage of 1600 which is already much above minimum wage everything is every expensive when I see you spent 2700 in august 2023 it makes me depressed ... I don't have much, I think I don't spend much but it's impossible to get a real lifestyle... I would need 2000 a month to get a threashold I would be able to not spend too much money and be ok
It seems like Nicole has a somewhat large home for a single person. With that mortgage renegotiation looming, it might be a fair idea to sell and find something smaller.
I actually thought all Peloton bikes had the same access to the different memberships. That is pretty shitty of them to do that, and it puts them into that category of a company that fucks you over Un purpose. Why not all their bikes are all compatible? I did consider signing up with Peloton and using my normal basic indoor bike, but I haven't as of yet and now won't even bother. Frankly, I hate indoor bikes, they are boring. What I do now though, is just pay TH-cam so I don't see commercials and watch videos while riding, anything entertaining. As for furniture, I haven't bought new furniture in ages. I buy used and the couch I have now, I have owned it for about 15 years, and it was second hand when I bought it. I would say it's about 20 years old. Sometimes old is better.
Suggestion Nicole - Well done on adding Vitamin C - but consider adding also D3 and Zinc. I discovered this in my research during Covid. My GP approves!🙋♀️🇺🇸🥰‼️
Add k2 as well…your future self will thank you
@@virginialangford6257 Yup! I forgot that one! 👍
First time viewer (USA) and I found this very interesting. I also try to keep a lid on expenses but...stuff happens. It was dog stuff for me too and I actually keep a separate savings account for the pets. It just seems to work out better for me. Or perhaps I am just kidding myself.😂
We have a savings account for vet bills, too. We just put bit of money in it when we can, even if it’s just a few dollars.