11 Things I Cut from My Budget And Don't Miss At All | The Financial Diet
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- เผยแพร่เมื่อ 28 ก.ย. 2024
- Chelsea shares some money saving tips, including areas of her life where she saves money without feeling the pinch. Check out our video, "12 Ways To Find Extra Money In Your Budget," to help you find even more room in your budget: • 12 Ways To Find Extra ... .
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If you're having trouble making a budget it may be because you're lying to yourself. Check out 5 Lies You Tell Yourself When Making A Budget: th-cam.com/video/8z65REZKwmI/w-d-xo.html and see if you can find the answer.
I'd ask what's wrong with people with manbuns but I'd be asking the only person in new york wearing a boring grandma outfit with less make-up than a lab monkey 🤔.
I also unsubscribed from a lot of TH-cam beauty gurus because they all encourage consumption and I don't need a fraction of the stuff they recommend/promote
Plus it's all sponsored and half the stuff they recommend they never use - like I never believe that any of the stuff in their 'monthly faves' vids are actually bought by them. Who can afford a bag full of designer makeup every month?
I've unsubscribed from a lot for the same reason. The only one I follow now is KathleenLights. She does so many drugstore hauls and tutorials. I think she's definitely worth checking out!
charchar0607 I totally agree with this post!!!!!
Good move there😉
charchar0607 me too!!
I really love these videos, but it would be awesome to see TFD do more on advice for people who already skimp in a lot of areas. I guess the channel title does imply it's about cutting corners, but when you've grown up money-conscious (read: poor) and already don't buy all this unnecessary stuff, what SHOULD we do with the little money we have?
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Yes I completely agree
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Relieved to finally see comments like these. It does feel like TFD is aimed at people who already have a lot of disposable income, but for anyone who has grown up constantly being careful with money, or is struggling at the moment, the videos aren't as relevant as they could be.
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A tip that I use is to not be afraid to return something you don't love and to keep items in returnable condition until you're sure you love it. That way, if you realize you've made an impulsive mistake, you can get your money back. Sephora takes returns on pretty much anything in any condition!
Christine Grassi yes!!!!! I've learned to do this too! Ive always been scared to return things but I'm like - stuff it - I have the receipt, it's not what I want, I'm taking it back!
yes this is a great tip! always return if you don't use an item before that return date is up! i had a good friend that was always shopping but she always returned and sold her stuff in turn and i really respected her for that because she had cool and trendy stuff all the time but wasn't excessive about it, and knew the value of her dollar!
Know the return policy of all stores where you shop. Grocery stores often take returns. Makeup at the drug store is fine too, and many take returns without questions.
1. Trim my own hair
2. Do my own nails and facial
3. Buy pre loved luxury handbags
4. Buy clothes at thrift stores
5. Make my own coffee everyday and cook my own lunch n dinner.
Im a lawyer n nobody said i look cheap and poor. Save more n invest more.
Your comment smells a lot of experience, I don't doubt you one second. Great ones !
I really don't understand the apparent need to go out and buy coffee. I mean it's nice occasionally, but every day? Just... Why? That's so expensive!
super inspiring!!!
This sounds so nice ❤️ I love making my own coffee and when I used to thrift shop I always looked more expensive, my mother in law despises thrift shopping and made me stop and I hate what I wear now but I’m still an investment piece wearer. So I don’t shop at all. I’m saving for a house so we live with her but I refuse to shop until I have my own home.
fatimah nabilah thanks for that very sensible list. The first three don’t really work for me since I’m a guy but the rest is great
honestly if your clothes don't last for more than a season, generally I think that means you aren't taking care of them.. I can only afford "fast fashion" and my clothes last for years..
Olivia Miller-Davis I think she ment they were out of season by the end of season or season specific clothes and then get new wardrobes for every season to stay cool and in fashion
Even mine last years and I really don't take specific care to them
1. Fast Fashion
2. Red Meat
3. Drinks out
4. Gym Membership
5. Novelty Clothes
6. Trendy Areas living
7. "let's get drinks" Friends
8. Jewellry, Makeup, Hats
9. Dont eat Breakfast
10. Designer Makeup
11. Mailing Lists, Newsletters, etc. Unsubscribe
stickinss .....if her videos were in anyway informative or helpful to the audience she's trying to pander to, I'd agree with you but this is not that video.
GundelSince2011 there should be a summary of the video on every description. Thanks btw
The lord’s work. Thank you.
GundelSince2011 I agree, none of these tips are very helpful or anything new really..
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Making food at home is way cheaper than fast food, and I'm glad I buy at grocery stores.
I came to this channel from Vlogbrothers and because I like the style/focus on newly adulting problems. However I'm realizing it's pretty irrelevant to my minimal-spending-but-low-income lifestyle. Does anyone here have suggestions of personal finance TH-cam channels (or podcasts) for someone who has already cut the fat out of her budget?
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Agreed, for the most part. This channel seems to be mostly geared towards people who actually have a fair amount of "spending money," advising them on how to use it more wisely. As someone with a low income, I'm like... you seriously have the *ability* to buy fancy jewelry and clothing?? This is not a choice I face.
I'm in the same boat, I find that most financial advice is aimed at people who already have more money than me. :P I think the only advice for people with low income is gonna be "find a better-paying job" but I'd love to know if somebody out there is writing tips for how to really make your money go a long way when you don't have a lot to work with.
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I used to impulse buy lots of books, so I took my credit card off Amazon & subscribed to the public library on top of my university library, I also stopped using my Kindle and I now have a rule that I'm not allowed to buy a book unless I already read it & or it's a reference book for long term use. clothes - that's another long story! found the best way to not buy unwanted clothes is to just buy 1 or 2 items at a time. going out - discovered walks & free exhibits & shows are just as fun & more healthy than going to a restaurant.
Paulina Scheck Thank you for this great idea! I'm a bookaholic. I do use the library and purchase a lot 2nd hand but this reminded me that I can download from the several libraries that I have memberships at. 😊
This is amazing advice! Literally just changed my life
Interlibrary loan is amazing. You can get books from anywhere in the system. I once got a book on Chicago from Alaska! :)
“...and people without man-buns.” 😂 I love how Chelsea has these random, unpredictable moments of savagery 😂
You don't save money by not eating breakfast unless the $/calorie you spend on breakfast foods is higher than the average $/calorie you spend on snacks, lunch, and dinner. You're not going to magically not need your 2000 or whatever calories just because you decide you don't want cereal, you're just going to make up for it by eating more later. Or you'll be hungry and lose weight until your body no longer needs those calories.
Sorry, but that point was basically bullshit. You can't go from "breakfast is not more important than other meals" to "breakfast calories are literally meaningless"
Kelpsie Sponge I'm guessing this lady doesn't snack either. ....
Kelpsie Sponge If she takes along a banana or apple for the hungry munchies at 11 she is doing fine.
I thought the no breakfast comment was a little strange, however, for me, I can just skip lunch actually. Many days I'll eat a good breakfast, and one other meal for the day and be perfectly satisfied. As a person who likes to look good in clothes, and not continue to become an average obese American, I sometimes wonder how people actually become so large. Is it because they were raised to believe they HAD to have three meals a day? I really wouldn't know. My mother was a if you are hungry figure it out on your own kind of mother a lot of the time.
Kelpsie Sponge Yeah, I wasn't sure how suggesting that you refrain from spending money on a meal you already don't eat was helpful.
its not bullshit at all, especially if you are buying food in bulk. If you arent spending more on luxury breakfast items and instead buying lunch and dinner foods in large quanity you are saving alot of money. I also intermittent fast and it saves me alot of cash.
I only buy clothes on thrift, I'm a vegan, I only get water when I go out and I only eat out if I have a discount/coupon (any other time I go out to parks, etc I bring my own water and a pb&j), my dad pays for my gym membership, I have worn holes into every piece of clothing I own, I live in a poor neighborhood, i have no friends, I only buy things I genuinely use all the time and only buy the best bang for my buck items, I plan my meals and cook and home, and I don't open emails. I'm beyond these kinds of tips. I need to increase my income 😧
A Designer At Home -Corinna
A Designer At Home -Corinna you can always move to a cheaper country hahaha
Patriot Jefferson I haven't drank soda in 2 years. And the only energizing drink I drink is coffee made at home. I'm maxed out at 40 hours per week.
Julia Sepulveda I should so this.
A Designer At Home -Corinna i'm curious about how you live in developed countries. i mean, in my country, many people live with 400 usd a month and, as a single person, you can have a pretty decent life with 1000 usd a month. a good salary (big house, kids, private school, car, travel) is like 4000 usd a month. how is it there? (i don't need so many examples hahaha i'm just curious)
I have „fast fashion“ pieces that I have worn for 5-10 YEARS now. They are still perfectly fine.
I get hand me downs from my mom sometimes, and her clothes are actually really trendy and cute, so it's a win!
Julia Mastouri Same!
Julia Mastouri haha me too. I have all my clothes from 18 that I bought from wet seal forever 21 etc and I’m 27.
Yes, I am wondering how some people use fast fashion clothes only a season or two? I am still using my uniqlo t-shirt for 8 years now...
@@gizralnork I feel like uniqlo is different, the price is much higher as primark (or other comparable companies) and the quality is really really good. at least in my country
When I was a kid, I noticed that I'd get the worst stomachache before school whenever I ate breakfast. Consequently, I stopped eating breakfast, and I still prefer to skip breakfast. I later learned that I'm a celiac, and I often wonder if my past morning stomachaches were related to that condition. Most breakfast foods are centered around bread....
However, sometimes a warm bowl of soup tastes really good for breakfast on cold mornings. Soup has become my favorite morning food I decide to have breakfast. ^_^
Anyway...I'm glad I'm not the only one who likes to skip breakfast. I have also been lectured a lot about how dangerous and bad people think it is to skip the "most important meal of the day."
I actually had the same and I got to another conclusion. In my opinion, I think it is related to the waking up process, whenever I would wake up rushed or waking up early when I'm used to sleeping an extra few hours and/or when waking up if I didn't protect myself from the breeze (idk the expression that i'm trying to use, so I apologise and hope you can understand what I'm trying to say nverthless) on mostly my belly area ou back, I would get stomach aches. And those would be even more probable to happen it ate/drink dairies.
And I got to this conclusion after noticing that I would rarely ever get those stomach aches during the weekends(when I wouldn't wake up at 6:30 and would instead at 11~12:00) and after my school schedule got changed to an afternoon schedule (classes would start at 13:30 instead of the 8:15)
I had a similar thing with breakfast except it was because I'm lactose intolerant and was always having cereal with milk
Katy Adelson As someone who is gluten intolerant, I'm going with a big yes! LOL
I'm super late to this discussion, but I just found TFD through the TH-cam channel What I've Learned. He's got a bunch of videos on the science behind gluten and how eating less food in general is so much better for the human body if you'd like to check them out! I was actually one of the people who religiously ate and advocated for breakfast but have gotten detached from it through intermittent fasting and I'm feeling so much better! Today, I don't crave nearly as much food as I did before, whether it be lunch, snacks or dinner and I'm experimenting with shortening my eating window! All in good intention, of course:)
Dea Carey mms
Am I the only adult woman who's never heard the term 'fast fashion' in her life? What exactly is fast fashion? Cheap trendy clothes?
yes
No, it's the kind of clothes that H&M, Forever 21, Uni Qlo and other stores like them sell. They only sell clothes that are in season or currently trendy, but after a few months they switch to a new collection for the new season. Because of this, some women tend to feel the need to always be in season, so when new seasonal clothing hits the shelves, they buy those and neglect the clothes they bought last season. This is a horrible way to waste money.
Sarah D that makes two of us
Fast fashion companies, like Zara, Forever 21, and H&M, mass produce trendy at the moment clothing as quickly and cheaply as possible. These clothes are made in China and Indonesia, as well as other developing countries, often at the expense of living wages, child labor, and business malpractices, as well as chemicals and pollutants being released into the local environments of these countries. I highly recommend a documentary on Netflix. It’s called “The True Cost,” and it gives you an in-depth look on how fast fashion affects factory workers and the environments in developing countries.
The clothes at Target in my book count as fast fashion because they fall apart sometimes before you even worn them but one season is all that some of them last.
Cutting out red meat is a good idea - same with the alcohol. And I've personally never paid for gym membership (never will). But breakfast? I could never cut that out!
Breakfast is so necessary for me too. Where I work, if I don't eat breakfast I'll end up passing out by lunch time so I have to eat in the morning before work.
pamelam4 Skipping breakfast isn't for everyone, but for many people it's fine. If you want to try skipping breakfast again try having some snacks before lunch.
Ah yes, 1 article alone can render breakfast redundant
I bought an espresso machine for 50 bucks that work pretty spot on. I am a student who is living at home but I wanted to not pay starbucks at school anymore because I was wasting so much money...so much... Hopefully now this semester I can save a whole lot more and focus on putting my money towards other things
Holiday souvenirs. I know these are not a regular part of the weekly budget, but I've learnt, over many years and occasions, that buying souvenirs from holiday destinations that feel oh-so-right whilst you're there, feel oh-so-what-the-? when you get home. Whether you're buying souvenirs for someone else or for yourself, most of the time you're better off skipping this one. It's likely the recipient isn't going to do anything with your souvenir and neither are you. Take some photos, make memories, learn something from other cultures, donate to local crafters but don't bring home their junk.
loverlyme what about a magnet or Christmas tree ornament? Tree ornaments in my family are reserved for big vacations/events of the year and are a great way to remember where you went. We also do Refrigerator magnets for smaller trips, which are FUNctional.
This is so so true. Pictures would do more than enough!
I just buy a magnet from every place I've been to and put it on the fridge. Then I look at them and remember the nice time I had.
I don't do any of these things. And I'm still broke af sooo?
Sincerelyy Eccentric To be fair, she did say, "11 things I cut from my budget and don't miss..."
Sincerelyy Eccentric, bottom line is spend less than you make. And learn to enjoy it!
get a job lol
Aleksandra I have a job. I work 40+ hours a week. With my disabilities, it's the most I can manage. I live in a dilapidated house which I own. I have no mortgage payments, no house payment, no car payments, most of my clothes are ones I've owned for 20+ years, I shop sales and farmer's markets for food, I only go out for a meal on my and my husband's birthday, I spend less than $500 on Christmas for all my family, I don't have any children, my property taxes are less than $1,600 per year, and I haven't taken more than a day trip vacation in over a decade. I still can't make ends meet.
rachiti you need a new job then
Buying used (barely used) off ebay is the best way to save money when it comes to clothing
exactly. and you can get great quality items for much less than you pay for cheap new clothes. just got a classic cashmere winter coat by an expensive brand for 50 bucks and it looks and feels perfect
But how do you know if they are selling an origibal piece ? I love to buy used garments but im too afraid they be rip off 🙄
a lot of good brands like j-crew, eileen fisher, banana republic are very rarely faked, especially if they are simple and older, so i get most of my nice work clothes from ebay without worrying! plus, the quality was waaay better in the past.
Hell ya. This really works for women because so many of us are attracted to the beauty of female clothes rather than the practicality. So we buy those edgy stilettos and realize we had no where to wear them. If you buy items like this retail you really lose out. When I purchase on ebay, I often get the same amount of money back and it all canceled out.
I wouldn't trust it. Be better to buy long lasting durable clothing.
This is not only great financial advice, this is great life advice. 👍🏻
I made a commitment 3 years ago to not buy any makeup until I used up all my makeup! I’ve turned lipstick into blush and powder into eye shadow. I’m finally clearing out space in my tiny bathroom and getting my makeup down to 5 essentials. That I only buy when I run out! It’s been great!
Actually with designer make up, sephora has a pretty good return policy. If you buy a make up item you can return it within a month if its just lightly used (they can use the item as a sample product in their stores if it cant be resold), and you don't damage the packaging. so you can always try it out and if it doesn't work for you, return it.
Thank you for talking like a normal human being while talking about things that are rather important. 👍🏻
Every time I go shopping, I go directly to the sale corner of the stores 😂 I am very guilty of shopping at fast fashion stores but somehow the clothes I get from those stores last a very long time. Maybe it’s because I’m stingy or something but when I go shopping I would always look at the sales section first.
Okay heres one that I wouldnt say I dont miss, but that has saved me SO MUCH money and anxiety: a daily coffee out! There is no reason you need to buy a coffee from an expensive coffee chain to be productive, but that's something I wholeheartedly believed deep down while my heartrate rose in line because I also knew I was wasting money I did not have on this. I still buy coffee out weekly, but I'm reducing even that and getting better at making good coffee at home.
I'm in this stage of my life and this has been a scarily accurate video! 😶I needed to see this, lol! Thanks!
Wait, was the foxfur collar on that coat real foxfur? Gross.
Totally!!! I cannot be more agreed! I am not a make-up person, not a hand bag person, not a jewelry person, indeed. I cut them out and don't miss them. I had been wondering why as a woman I don't like those kind of things, thank you so so much for telling me this. Yes, women don't have to have these things in her closet. Be true to yourself.
My two favorite things, finance and cussing. Your a breath of fresh air
Eating at restaurants and/or meeting up with friends at restaurants - I cook at home for myself and others. Purchase food that's marked down or bruised and nothing prepackaged. Shop only at Goodwill - my wardrobe is better than ever! Good channel!
Thanks for the good advice 🙏
I've learnt to not spend things that I don't need. I've stopped smoking and drink less,was able to save Money 💰, cook my own food,
Fast fashion clothes are made of low quality material and they are not probably meant to last, I choose materials and designs that are of better quality which is practical, wearable and easy to match. I like things that has multi functions so I don't spend tons of money and time using them. ありがとうございます😊
I cut out store bought coffee. I know that's a no brainer to some people but i struggld with it because my at home coffee just wasn't frothy enough, even when i used my nespresso pods so i invested in a milk frother.. changed the game and saved me so much money.
Wow!! I literally do all of these. I paid off 15k of debt last year by doing all of these, the unsubscribing from emails was huge!! Do this stuff, it works!
i cut out on buying clothes from brands and started thrifting and i really love it! it's like treasure hunting, you can really find hidden gems and best of all it's cheap!
Red meat is expensive if that's the only thing in your meal. I usually braise/stew/boil it with veggies so a pack lasts a fortnight.
"people without manbuns" I DIDN'T THINK I COULD LOL AT A FINANCE VID BUT U DID IT.
1. Fast Fashion
2. Red Meat
3. Dinner Drinks
4. Gym Memberships
5. Novelty Clothing (clothes you buy knowing you won't wear it)
6. Rent in trendy areas
7. Having "let's get drinks" friends
8. Unworn jewelry
9. Breakfast
10. Certain designer make-up items
11. Mailing lists
You're right, it IS okay to skip a meal or just snack it out. I'm not a big dinner person. I love having big breakfasts and lunches. I eat slow enough and go to bed early enough that I can finish lunch at 4pm, have a snack at 7 and turn in for the night at 10. This habit works perfect for me!
Another thing I learned as a college student is that if you're friends are going out to dinner but you just ate or already have food at home you can still go with them. You can bring your own snack, or just sit and talk. You have to be okay with telling the waiter you're not ordering anything and with the pauses in conversation where everyone is looking at their food, but other than that it totally works and I'm so glad I figured this out!
What if I already don't do anything from your list?
Shiiiiiit. You already have 3x the amount of money you think I have. Not one of these things I do regularly, if I could even afford it at all!
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I bought a not very fancy coffee machine (ground coffee, not capsules), $180 AUD for a small one. Took me a couple of weeks to learn to operate it for good results, but it works. I used to order from UberEats on weekends because I wanted coffee in bed. But the minimum order was $20 for free delivery, so it always got more expensive than just coffee. The machine removes the need. Besides it’s better when I make it.
I stopped shaving my legs years ago, my fiance doesn't mind/notice at all and I don't spend a dime on razors or shaving cream ✨ since then I've got totally minimal on make up and found out using less shampoo less often is better for my hair (no more dandruff and my hair is thinker and shinier), and my tooth paste is baking soda, cocoanut oil and cinnamon and clove powder, so over all I have nearly stopped spending money on anything in my bathroom 👍
I don't waste money on alcohol
A LOT OF VEGETABLES AND STARCHES... girl that is music to my ears!! ❤😘😘
Yeah!!! Just wanted to support your message. Nothing to add. :-D
Same with Marie. Just sharing the love of vegetables! My lunch just now was steamed potatoes, sweet potatoes, carrots and cauliflower with salt. Nothing fancy, just real food!
Things like dried lentils, beans etc are amazing. Cheap and when soaked, cooked they expand to a huge amount of very nutritious food.
Same here 😁 👍
Maw maw Sue, notice how you're the only one mentioning veganism. Get a life!
"Where people without man buns live"😂😂
Can't live without breakfast, I love my morning muffin. So I typically bake my own. A batch of 24 muffins last 2 weeks or more (when put in the freezer and taken out as needed).
I totally agree with you... I think it's a process we women go through from "what's expected from us" and what we actually like. I'm 31 and since I love jewelry I am recently wearing only handmade, good quality golden or silver pieces and I got rid of "crap" I used to buy in department stores for 5€/10€ because they were seasonal or seemed a good deal atm... Now I feel that I look better, every piece I wear is a gift or something bought on a special occasion so that it is always meaningful to me. They are less and there's no need to decluttering my drawer all the time
The Sephore/fake mustache line omggggg hahaha
Don't forget, you can return USED makeup! (gently used. don't expect to use the entire thing and be able to get a refund). If you don't like something, take it back! Receipt within 30 days = cash money and no receipt = store credit. this is everywhere! from grocery stores and drugstores to Sephora and Ulta. I can't believe how many makeup wearers don't know this so I tell everyone! Lol
EMILYN she mentioned a good way to save money on makeup was to try out samples and get enough for 2 weeks worth to make sure you like it before you buy it. I was just providing another option. Buy it, if you like it, no harm done. If you don't like it, return it for full refund before 30 days, no harm done. No need to buy a lot of makeup. Also remember, there's a lot of drugstore dupes out there everyone! 👍👍
@kjjjacobs - Well, there is harm done if you buy makeup and then return it. Perhaps not for your budget, but if everyone did that all the time, it wouldn't be sustainable. It's better to look up online other people's experiences, check reviews and swatches, test out the product at the store and then make the purchase. Then, if despite it all, it happens that the product is not right for you, it's good that there is that option to return it. Still, first comes responsible shopping.
Most makeup stores like Sephora and Ulta have very generous return policies so there's really no reason to regret those kinds of purchases
I have completely realized exactly what you said about getting all of the emails from companies that constantly offer sales and discounts which are way too alluring to ignore. Keep them in a side junk email and keep your Gmail clean.
She never says stop drinking coffee. Or any caffeine/sugar beverages at starbucks and the front of stores. That must be her weakness. U can trade them in for sleep, which is free.
Or apples! ;)
We have well water with arsenic so we were buying gallons of water. We were gifted a distiller for Christmas last year. We bpught a few glass bottles to bring with us and a 2.5 gallon jug with spicket. We haven't bought any gallon jugs in a years. Estimated money saved is $25 a month. Also no time at the recycling center.
I get the same comment about cutting out breakfast and I follow IF - people think I’m crazy skipping them most important meal of the day’! I do a lot of OMAD too and find I’m saving a ton.
I have an inborn B12 deficiency so need a certain amount of red meat to feel good. But I do eat a lot of fish, love brown rice, love veggies and cuisines that have great veggie recipes like Indian. I don't drink. I grind my own beans and brew my coffee in a French press, it's better than 98% of cafe coffee but occasionally I'll get a cup in a nice cafe, sit and write and people watch. You can exercise in your own home. Fill 2 gallon jugs with water and you have weights :D. Best way to cut your budget is CUT YOUR CREDIT CARDS IN HALF and pay cash!
I have a sweater from H&M that I’ve put patches on and it’s lasted 5 years now.
Same. I have some forver21 items made of real fancy quality. They have lasted years and were bought on sale for like $7
I removed myself from most of my email lists about a year ago. I bought a bunch of fast fashion clothes. I instantly regretted it, then regretted it even more when the stuff started falling apart almost immediately after wearing a few times. I did it to remind myself not to buy from that store, then I did it to remind myself not to shop at all of the other stores. Its very freeing to not have to buy something every time there is a 50% off sale!
I recently found this Channel and find it very informative. For those who say those is useless to me! or I can’t afford these things, so why talk about them! Or some said why not tell me tips I can use instead of something that is out of my reach in the first place. This was a video to reach the people who. Ishtar have these needs but can’t afford them, or might fall into the trap of buying something they can’t use. I took what she said and applied it to me, not said this is not applicable to me so why is it here?! No, I don’t buy expensive clothes, but I buy more than I need and cannot possible wear all I bought. I had so many kitchen appliances and stuff that they have to be stored in the garage! I started looking at how could these things apply to ME!! I decluttered the kitchen utensils and gave away the appliances I rarely used. That freed up space for what I do use use and saves me money by applying the “How often would I use this” question and saves me a ton in my budget. We are retired and the budget is smaller than we were used to, but the spending was slower in getting under control. I watch a lot of the videos and always try to find at lease one thing in it that can be applied to my situation, and usually find more than one or two or even three.
Thanks for doing these. Ideas and please keep them up. Maybe you have some that are more specific to the smaller budget, I don’t know because I just found you about 6 videos ago! Lol I am finding that you have a lookout and process that works for me, even on a limited budget.
for those who find nothing for themselves in your videos, I suggest they look for videos by another person, there are a multitude of them out there. But for me I repeat my THANKS!
that mark on the wall really annoys me
What mark? Isn't that just her chair?
stay focused, what do you have adhd?
Olivia Graham hahaha
I love this video! Especially the fasting. Personally I feel like my body needs breakfast. But I skip dinner instead :)
A note on the whole breakfast thing:
While there isn’t any solid research behind breakfast being significant, if you find that eating a substantial meal during the morning improves your quality of life, don’t think you shouldn’t be eating breakfast just because people say you don’t have to. In other words; breakfast might not be the most important meal of the day to someone else but it’s okay if it is for you. All of our bodies work differently and run better or worse with different things. Do what’s best for you.
LOL You are so funny! lots of what you said is beyond true :)
Things we cut from our budget and don't miss - cable TV - just going with internet and subscribe only to the services/channels we want - I don't need Home Shopping Channel, etc, And even those we've pared back after we found which we don't watch. Also, as we are gluten free, I'd been spending too much at a local cafe for some of their items and just figured out how to make them at home even better.
I love this video! Thank you for bringing humor and transparency to this!
This video, while okay in itself, is deeply personal and not necessarily something that can be applied to the masses. Yes, you shouldn't be buying drinks with dinner all the time or moving into an apartment because its in a trendy area, but in reality most of us do not have this kind of agency. A lot of us can't afford to move into trendy neighbourhoods or move out on a whim, a lot of us aren't forced into morning coffee with the work team, or can even afford to go out to eat regularly enough where it becomes a problem and we have to skimp on the fancy drinks. This seems like a very much middle-class, young, single, New Yorker kind of video. If you're a relatively well-off millennial with a cool trendy job in Manhattan than maybe this video will apply to you. But heed my warning, she told us this was her own "personal" experience...and believe me it is! If you want a video that is going to teach you a little more about budgeting than I'd go for something else.
I’m on emailing lists to a specific junk email but I only look for the store’s name when I plan to buy an item from them to see if they emailed me a coupon. I search for the stores name with the search email feature on my mail app for my iPhone so it searches all my emails. Many stores have specific times they do sales so for me I noticed most of the places I like to shop at do tons of sales in June to early July. So now I wait until then to buy garden seeds or buy clothing like bras from Lane Bryant. I also buy my body lotion for the year in June since Sister Sky usually does an annual sale for 50% off then.
I like google because it automatically sends all those ads to a 'promotions' button. I'm not really influenced by them, I just find them to be spam. The only store I like to buy clothes from online is Express because they have a lot of sales, they always fit, and they have a lot of simple but stylish pieces that fit my figure really well. I love Marshalls! I used to wear a lot of thrift store clothing, but I don't wear as much as showy stuff anymore (if you want to buy something for a theme party or hang out with that guy with man bun: thrift store), and getting the right fit is very difficult. Stretchy materials that flatter my figure don't age well. But if you want to make your style more cutting edge and unique it's a great place to start. Also I don't read fashion magazines. I don't buy things I see there, but they make me feel bad about my looks, which encourages more spending.
This is my favourite money saving video! I love the fact that you don't ramble so much as the others
Amazing tips, I share some, others not (for me, breakfast is LIFE, but to save money, I make my own) but as you said at the beginning, we must apply this to our own personal life. Thanks for sharing!
4 minutes in..regarding trendy neighbourhoods...SPOT ON TRUTH!
Regarding things I found out I don't need...cable/satellite TV was a biggie. It took just 1/5 of our monthly cable bill to pay for our highspeed internet, leaving a fair bit of budget for buying movies (either DVD or online) and other entertainment.
i cut out on mailing lists also, also makeup, making the bold move to stop buying makeup products i do not use. so now i only buy lipstick and nailpolish. i also stopped buying books - until i finish reading those that i already own
One thing I thought of is paying for a phone plan or go phone that does not include data I didnt realize untill I moved overseas how little I actually need data Since I have lived overseas I havent paid for data I just add a phone card when I need it and only use it for calling or texting and if I ever need wifi there are plenty of cafes or places I can go to where I can use wifi so data is definetly something I dont miss at all.
I love the honesty and practicality of TFD. I especially loved this list; it reminded me that I definitely don't want to jump off the bridge with my friends.
Seeing alot of critical comments! You guys are great. As a college student with a complicated schedule TFD has helped me open my eyes to many things. THANK YOU XOXOXOXOXOXO
Ive tried the 'unsubscribe' method, It's so hard to do so because of the point systems and discounts offered.. I've gotten a little better, but now it seems like just having Amazon Prime is worth than all those subscriptions I had.
So true in the popular neighborhoods!! The walls of the apartments are thin and everyone is so rude... what’s up with that???
I would add to keep on top of sales you care about but also not feel obligated: mark them as junk and check the junk folder after you organically make the thoughtful decision to go shopping.
I recently just got rid of Hulu because I rarely watch TV other than the news and WTTW Channel 11. Also I follow a vegan diet and most of the time if I'm craving something that I can make it home, I opted to do that instead of spending a whole bunch of money at their restaurants. I think the next step might be to get rid of the gym membership. I only go with my sorority sister and she is not very committed. I don't care for it myself, and I have a lot of equipment at home that I should be using. Can't wait to add all these up
Just skip breakfast? Sure, I love passing out in my morning classes!
Thank u thank u thank u! For freeing me from breakfast. I've been choking down a morning meal and am now listening to my body.
The email mailing lists is a good one! I would rather pay full price for something I need than half price at a sale for something I don't need. Also, i no longer do my grocery shopping at target or walmart. I stick to Publix so I'm not tempted to buy home decor, toys, clothes, etc. it's saved me tons!
I love your attitude and tone of voice! It’s funny but real! Good advice too!
loved the video but got triggered when i heard 'fox' intsead of 'faux'
these are i cut out of my expenses
1. gym membership- i just use the gym in my new apartment which is more frexible to go with my schedule
2. eating out- this is like my major expense, i just now cook at home. this saves me a lot
3. social drinking- i just go during ladies night which gives ladies free drinks :) otherwise i do it at home with friends as its cheaper to buy a bottle rather than buying 1 glass at a bar
4- transpo- if i can walk, i will walk and not take a cab.
when buying something expensive, i dont buy it right away. i try to think overnight if i really need it and use it for a long time.
Sew to add to your wardrobe. There are plenty of easy styles that can look classic if you chose the right fabric. Much better than fast fashion and you get to choose your colour and style. And SO mush cheaper, even than so called 'fast fashion'.
paper napkins! cloth ones work fine and it’s better for the environment
I gave up trying to save money by shopping on ebay. Most of my purchases were misrepresented and a complete waste of money. I would have done better by sticking to department store sales.
Thanks for the video.
skip food because 'i don't need it'..... woooow.....
Wireliz Soto, the message was that you don't need specific food or drinks at specific times of the day or at particular events. holy fucking shit, some people in the comments don't know how to fucking listen and interpret.
"quasi secret like relationship with the gym" is so accurate lol 😂
I try to not eat outside, but when I really have to, I have a list of the places and dishes that are the most healthy and cheap/affordable, so I go easy on my wallet.
Oh GOD 5y later this is still exactly my list, last night I hard STOPd on all the marketing texts. Reason being the same correlation. 😭😂😭😂
@0:17 There is no difference because preferences are subjective and you set the requirements for what you need. There are only needs.
Just go vegan, you start spending 30% less on food. Also faux leather and faux fur are so much cheaper, and most importantly, they don't involve slavery and murder.
I agree with you on breakfast. I’ve never had the time to eat breakfast. Not only that, my stomach has never agreed with me if I ate anything more than a banana or yogurt.
Done this my whole life. No debt. Also invested.
Trying to cut out collectibles and movies. I rent more movies now than owning. And if I really want to own it I'll find the cheapest. Cutting from buying a tons of video games too. I usually wait for a huge massive sale and play old games.
White Fox fur ? DISLIKE and UNSUBSCRIBED
I bought a super fancy foundation that I bought a year after I kept on thinking "I want this" and it's foundation so you should get a good one that won't ruin your skin