9 Unnecessary Items You Think You Need To Buy | The Financial Diet
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- เผยแพร่เมื่อ 14 พ.ค. 2024
- In this week's video, Chelsea talks about the everyday items you always thought were necessities, but are actually huge wastes of money. You can also find out what items you can buy that help save you money here: • 15 Things We've Bought...
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Boosting your domestic habits can help you save money too: th-cam.com/video/m50Z8reEuaU/w-d-xo.html
How about all your 9 pillows?
How about disconnecting the landline? Most people have smartphones nowadays & a landline subscription is no longer a necessity. A broadband high speed internet subscription can come without a landline bundled to it.
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Says the girl with 20 pillows on her couch
This is smart lol, I want my house to be interesting and artsy, an full of things that make me feel cozy. One thing that more people should think about, how does your home make you feel? How do you want it to make you feel? Obviously comfortable or more productive, it depends on the person not the trend or group. Don't waste stuff on things you don't want or have use for, or stuff that you KNOW you'll never use but just want to look good.
Tip 10; do you really need 9 pillows on your sofa?
Fair play 😂
Tf haha
Or on your bed?
r/toomanypillows
hahahah
Before moving out of my parents, I made a list of pots, pans and various appliances I really used in the kitchen and around the house, so when I shopped for my new place, I knew exactly what I needed and would use.
I’ll keep that in mind when I move, thanks!
@4Freedom4All Great advice
A lot of the basics you can find at the local thrift store like goodwill for very cheap. It does usually take a few trips though
Thisssss!!!!!!!!!!! I’ve also made a habit of not keeping too many pantry items, they waste money took
Brilliant.
1. Gym membership
2. Fondue pot
3. Highly specific ingredients/foods
4. Bloated cable package
5. Paper storage
6. Fancy cleaning supplies for home/body
7. New/ perfectly matching appliances/furniture
8. A sitting room
9. Newest versions of phone/laptop
Some people need specific foods for health reasons.
Our list of streaming services is starting to get bloated with NetFlix, Disney+, AppleTV, Amazon in the list
@@seahorse9940 the trick is will it collect dust on a shelf, or rot in the fridge. I love strawberries, but the go mouldy in 10 mins
If it gets consumed the same week it's bought with no waste, it's worth it.
I own none of those but could afford all of them, I would make a terrible American.
You should have a running joke where you add more pillows behind you each video. It seems to really trigger people on here.
I don't think it is triggering people. It's hilariously ironic. Smh
Hahaha true...that would be super amusing
Does one really need 900 pillows? Think of how much money each one costs.
The best part of your comment is that your username is "Financial Responsibility" lol
It's a TH-cam set. Many TH-camrs put a couch with pillows behind them, or a bookcase or wall art. Otherwise it's a white wall and is disconcerting to look at. It why talk shows have nice sofas and tables and fake plants that all rarely get used. It's for their business and is thusly a tax write-off
Something she didn't mention -- I think a big part of this is knowing yourself and what truly brings you happiness. I can use an iphone 6 happily for the rest of my life, I don't need cable or fancy gym stuff but I use my VitaMix almost everyday and rooms that are decorated and organized properly keep me sane. I don't think you should write these things off as unnecessary, rather be more thoughtful and realistic about your purchases.
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Ok but I actually use my rice cooker, blender, and crock pot allllllllll the time
My rice cooker is hands down one of my favourite purchases ever, and it's 100% my favourite kitchen product!
Then you passed the test when she asked if you would actually use it all the time. Those are also way more general and useful than a juicer.
Diff people have diff needs. I use my waffle iron and deep fryer at least once a month. I use my stand mixer enough during the holiday season alone to make the money/space costs worth it. I don't however use all my pie dishes and cake tins on a frequent bases, but the times I DO use them far make up for the times I don't. She never said "don't buy ever" but "think with your decision making brain and not your status/looks shiny brain and determine if the use>(cost+space+upkeep ) if it's not then you find work arounds (like a metal bowl and a wire whisk for a stand mixer or a cast iron pan for deep frying) like don't buy a fancy camera if your not going to use it for your job/extensively as a hobby when phone cameras are fairly equatable these days, however if you take thousands of pics with your camera, spend the time editing and processing them, and always think "if I had a better lens I could do x" or "I wish my phone was capable of y" then spend the money on a decent quality camera and a small fortune on lenses. If not then just make do with your phones software and save yourself a few grand.
Find a cheap light dimmer, and use it on your rice cooker, and Voila ! You turned your rice cooker into a slow cooker.
@@silverlief You can cook rice without a rice cooker though. It's easy peasy...add enough water to cover the rice and cook it in any pot or pan.
Don't rely on cloud storage. Always keep important, private documents on a local hard drive.
AND the originals in a safe deposit box!
Having a safe or a place to keep documents organized into (especially things with original signatures) is a good idea. Not sure why she would say to just digitize 🤔
I AGREE. We keep everything that is really important on paper in a fire-resistant cabinet.
And digitize things which we need to use/send out frequently.
Don’t rely on a hard drive, data corruption and drive failures are common. Maintain proper backups.
Personally, I've learned the hard way that for tickets, important documents it is also important to keep a hard copy too.
What about those 3,000 pillows behind you, lol
Could be homemade 💁🏿♂️😅
Savage
😂😂
maybe she's a 6th child of 10😂
My exact thought.
I have to disagree on keep physical documents vs dropbox. Shit happens to servers all the time, and I have lost about 5gb worth of pictures and documents and on point. Rather keep a hard drive in your own home which you can lock away.
Hard drives die, the servers have backups
@@TDRinfinity I would trust NEITHER. For seriously important stuff do both AND Protect the originals.
you should keep the source documents
Cloud. Hard drive. Original documents.
The best thing is to have your data on different sites, maybe hard drive in your home and also have it on Dropbox, so if one fails the other is still there
You have to keep paying for dropbox. Hence, dropbox is not a substitute for metal cabinets.
Oh, definitely! I like these videos, but this tip threw me off... especially when I'm not in the USA, and paying for a dollar subscription (which happens for most cloud storage services) can become very expensive really fast. Not that I think we should have all on paper anymore, I definitely think we can go without a lot of it.
Scanned copies of 'real' important papers is sometimes not good enough. I recently applied for citizenship & I needed paper/real version of ID etc. You still need to keep them.
Agreed. Things like birth certificates, passports, even deeds of cars, houses etc need to kept physical on hand. Perhaps a safe that can double as a filing cabinet or a specific "emergency" or "go" folder that contains all important documents. I have a specific folder that I can just grab in an emergency that has my birth certificate, citizenship stuff, christening stuff, tax file number, working with children check, and a few important can't be replaced photos like my deceased grandparents in it.
She only said to have digital copies of 70 - 80% of documents. The really mundane things like bills and receipts. Literally no one is saying throw away your birth certificate or drivers license. That is literally insane.
Yea but those super important documents don’t need to be stored in something like a filing cabinet. You can easily put those in a safety deposit box or a locked briefcase/safe somewhere in the home to save space.
If you work hard . Make your home beautiful. It’s your place to relax ,rejuvenate. Saving is great . Enjoy your hard earned money . Live
"a smoothie blender"
of all the things, you mentioned that? Most smoothie blender can be used for a variety of things and don't take up too much space.
Useless items: cupcake maker, bread machine (unless you bake very often), 10 different type of cutters dedicated to cut a specific fruit or vegg, popcorn maker, a damned egg cooker (I've never boiled an egg in my life because I hate them but even I know how to boil using a pot)
Yes! I use my Vitamix all the time for more than just smoothies.
It should be noted that many of the specific types of cutting devices were created for people with disabilities.
And I think she meant that a regular blender is fine, so there is no need to also get a smoothie blender.
my waffle iron gets a regular work out, at least 2 to 3 times a month.
What the heck is a cupcake maker?
I use my egg machine every week to make boiled eggs. And you never over cook your eggs. Just sayin'
Oh I use my smoothie blender EVERY DAY. In fact I need a much better one BC I put mine through hell. Next time i'm not going the cheap $75 route - no i'm gonna get a VitaMix YEAH!
mine as well.. i used it so much i think i need a new one as it starts to smell like burnt electronics when I use it on hard vegetables unlike before.
I have 2 blenders and I use both lol. I have one for big stuff and a small one for just smoothies
Yessss!! VitaMix is the best 🙌🏻🙌🏻🙌🏻 Had one for like 6ish years now and use it ALL the time
Lissy London a vitamix is worth it, trust me! It’s changed my life!
vitamix... the jedi master of blenders 😍😍😍😍😍
I’d like to make an argument for the sitting room:
We live in a town house, and the living room is the first room you walk through when you come in the front door (which is true for many, if not most apartments). We have had a giant TV in this room for years. Here’s the problem: I hung out in this room all the time, which meant all my “hanging out debris” - comfy couch, cushy rug, blankets, remotes, gaming consoles - were the first things I saw any time I walked into my house. Not only that, but all this comfy stuff was crossing paths with our shoes, jackets, handbags, mail, etc. My relaxing area felt way too close to my front door.
So we moved our giant TV up to our spare room, which we’ve now made into the TV room. Since then, I’ve been able to keep my new “sitting room” clean and inviting for guests, or to sit and enjoy coffee and music in the mornings. It’s the first thing I see when I walk in my home, and it makes me feel like my life is a bit more together. I even watch less pointless TV now. But I get to go hide away in my much cleaner TV room once I am ready to bunker down.
TL;DR it can be really nice to separate your hangout space from your entryway, if you have the option.
I feel like a "sitting room" is a much more outdated concept (as far as homebuilder layouts) but should be one that should be embraced.
As a child in the South, I grew up with one and it grew to be my favorite "quiet place" to play, draw or read with no distractions.
As an adult, I don't have a room in my house to designate for a "sitting room", per say, but have found that my screened in porch provides nearly the same function and even am drawn to the quiet security in the coldest of months (plus I get the boost of nature!).
The other tips are great but I have to say that every home benefits from a "Zen" space; quite honestly, that is the true heart of the home.
Yeah, I see aesthetic reasons for having one too. We might like how having it affects the rest of a home layout. Sometimes a sufficiently large foyer might do the same work of making the tv chill area not too close to the door, but still.
Stephanie Graska Well put! We just have to budget for it if we want it
Stephanie Graska I currently have an extra room in my house designated as a sitting room and used for exactly this purpose. It has a digital ban: no devices are allowed. Purely analog. It’s the smallest room and it took forever to figure out what to do with it. It gets the best light in the house though. Very comfy with a small built in inside the closet that I’m leveraging as a bookcase and storage for writing/art supplies. It’s nice to get a break in there and just be.
I'm on that, it's a space ready to receive guests, clean, neat, well appointed, the Sitting Room is where you show your best to your guests, art, furniture, design choices. most NYC apartments don't have a designated sitting room, you all call it the main space, where the couch/bed, chair(s) and table are not part of the kitchen or bath.
TL;DW
Buy what's necessary,
for frequent use,
with no sufficient alternatives.
And use what you do have.
List (with reasons):
9. Elaborate exercise equipment and machinery (buy what you will use, can do most exercise without, building habits is better than feel-good shopping)
8. Kitchen gadgets and appliances (usually rarely used, hard to care for, takes more space)
7. Very specific ingredients and foods (many are replaceable), overly prepackaged (overpriced for most purposes)
6. Cable TV package (internet services are cheaper, see: cordcutter)
5. Paper organization containers (scan of organize digitally what you can)
4. Cleaning products for home and body (cheaper and diy alternatives are good enough)
3. Perfectly matching, brand new, themed items - furniture, dishes etc (overpriced and harder to replace)
2. Unused (guest)rooms (space is expensive, find more valuable use)
1. Phones, laptops especially if tied to contracts or other financial services (care for and fix what you have)
You the man
THANK YOU! I was already scrubbing through the video when I thought to just look in the comments for the TL:DW
Thanks you're the bomb
you are the wise one.
Thank you! Saved me like 14 mins of my time :D
-and if you absolutely MUST have exercise equipment, buy it used!
There are acres of it available basically brand new because somebody else bought it and abandoned it a week later.
I use my vitamix everyday. I make hummus, pesto, sugar free ice cream, tea smoothies and so on. Cheaper and healthier than going to Starbucks because I use swerve no sugar
fernando torrera how do you make the ice cream
I’m interested in this tea smoothies. Recipe please? Thank you.
My vitamix is like my child haha
@@winatriwibowo just brew a tea you like extra strong and blend with ice. If it’s a fruity tea add a complimentary fruit. Tea smoothie is my substitute for fruit smoothie which are a lot of calories. I can have something sweet and fruity without consuming 10 peaches.
@@kristinl6161 Vitamix website has tutorials and recipes for ice cream
1. Elaborate excessive equipments
2. Bulky or excessive kitchen gadgets
3. Highly specific ingredients or food
4. Bloated cable package
5. Paper storage
6. Fancy cleaning supplies
7. New or perfectly matching furniture or appliances
8. A "sitting room"
9. The newest version of your phone or laptop
Plus I played the video 1.50×
The host talks so slow and kinda boring.
You’re the real MVP! 🙌
Thanks! :D
Thanks, I thought it was just me who sensed that :)
Tedison You Da Bomb!!
I feel attacked
I like the idea of tracking how many times you yearn for an item - makes you confident that you’ll really use it!
Number 10:
11 couch pillows
It's like a studio make up
Computer generated back drop.
I think the best advise on TV'S and cable is to not have them. Not only will you not have a cable bill, it will lower your electric bill, and you'll be exposed to fewer ads.
TVs are still good for watching movies and playing video games. A PS4 is also a DVD/Blu-ray player, so you don't need a separate DVD player.
advice not advise which is the verb.
@@eri_noemi1462 I dont watch tv for years now but I do have tv for those reasons when I need to watch movie or games.
I find number 8 to be an odd one because in the UK the sitting room is just that, a place with sofa's that you sit. It can be used socialise, watch TV, read, play on your phone ect. My mum had two, one for the children and the nice one that was mainly used by adults. Both were used regularly but the 'adult' one had more rules if you wanted to be in it, mainly so that the furniture/rugs were kept in better condition.
a lot of american homes have a sitting/living room and a family room which is where they actually hang, watch tv, games, etc.
i have seen new floor plans that omit it now.
It was a bit jarring to me, too. Here a sitting room is a casual room where you spend 90% of your waking hours at home. Unlike a formal lounge or a formal living room, a sitting room is always informal and for daily use by the whole family. Maybe it's an American thing, or maybe it's just the presenter.
The majority of papers I have are for my Son's disability supports. If the government or school request a form it had better be the original signed and stamped. No digital allowed.
Yes... paperwork can be tricky. I do still keep copies of originals.. along WITH the legal official originals. If there were ever a fire or flood... God forbid... at least you have something.
Yeah like what is she saying.. I have my living will and power of attorney safely stored and easily accessible.. they actually recommend you DONT digitize it or let it fall in the wrong hands. Leases with original sigs, records, car titles....I digitize everything but come on some stuff you need to keep.
You only buy furniture once every decade or more, no reason to cheap out.
Serenity Scratch & the cheap stuff releases gasses into your home. Best to get non compressed-wood furniture (even though it can be more costly if it’s not second hand & it’s not as cute as the fake stuff)
I F yea, furniture is a good investment and shouldn’t be something you hold back spending on in my opinion. I agree.
Agreed
Maria K yea I think it’s necessary to be a little cheap with clothes tho. Outlet shops are really nice with good quality for low prices.
Serenity Scratch yep! Clothes go out of style, people gain/ lose weight, and clothes get worn and torn anyway. I don’t like to spend heavily on clothes.
I really think the final piece of advice of not beating yourself up over things is really important. It’s important not to let guilt control your decisions. I think TFD’s financial advice is based very much on the hope of establishing a better financial self.
Fondue pot: As a Swiss person, this item is ESSENTIAL! 🧀But usually you don't buy one because there is always one you can get from family or inherit one from your grand-parents.
I disagree with matching furniture. Have pride in your home. You want the place you live to be beautiful and functional.
yessss
luxury not a need. When you have a ton of savings, retirement maxed out a good job sure go for it. when you are not paying off your credit card each month or have student loans no.
Do you have to have matching furniture for your home to be beautiful and functional, especially while you're in debt? LMAO.
If you are debt free and have at least 3 months emergency savings, then yes, spend money for things that will enhance your home.
Per a "professional decorator" with terribly dated earrings, matching furniture is out of style:
th-cam.com/video/SJMgXEOl0Vo/w-d-xo.html
There is something to be careful about regarding used furniture, especially pieces that were found on treelawns or dumpsters: bedbugs! If you bring in an infested piece of furniture, you will find yourself spending hundreds of dollars on extermination and replacement of furniture items. So, it may pay in the long run to buy something new if you live in an area where bedbugs are a problem.
Good point.
That's very true
The only items in my house that were bought new are 2 of my couches and my bedroom suite. My couches are almost 10 years old and look brand new because I spent more for a better product. The bedroom suite was heavily damaged 2 years ago by movers (there's a waste of money!). I'm still using it, and I've fixed most of it, although much can't be fixed because it was my first new furniture buy wheni was 20 and it's not solid wood.... Although it looks it. As far as used Furniture goes, my house is full of it. I'm pretty sure I'm overspending on house and contents of Furniture, but thrift, yard sales, and stuff given to me is much cheaper than buying anything new. It's also much better made. I inspect everything and if I'm not sure about it, it goes into the detached garage for 6 months or more. Some people actually do this for a year just to be safe or they use a storage unit (although that's not money conscience either).
Girl....I was paying $$$$ for "nice" personal care cosmetics. I made the switch to homemade soap and shampoo bars for our home, since we all have allergies anyway 😧 I ended up having too many bars, so hubby started selling them too. Good side hustle money, and we're using good quality soap!
🖤BlackHeartPisces🖤 NICE!
I used to buy stuff like La Prairie genuinely thinking it was better creams then I met this amazing dermatologist and she told me Vaseline is the best moisturiser available 😂😂now I save hundreds of $ a year and my skin has never been better
Unless *totally* broke, I always buy quality basic soaps/ shampoos. These items absorb into the body so it's like eating well (to a certain extent.) Skip the cheap/ unhealthy items that go into your body --since we only get one body.
Agree
I totally agree.
I find that cheaper ones leave my skin disgustingly dry.
Be VERY careful with cheap shampoos
Dr. Bronner's soap is a multi-tasker! It's good as a body wash, face wash and shampoo, and so much more! That bottle will last a long time because you dilute it with water every time you use it. I saved foaming soap dispensers to fill it 1/3 with soap and the other 2/3 with water.
To all the pillow commenters: If you like how pillows look and they have aesthetic value for you, their cost per use is incredibly low since their 'use' is looking nice.
They aren't strikely necessary but neither is decor in general. Their value is subjective, but I think we can agree that living (or working) in a space that looks nice is pleasant and valuable.
Plus, it's called set design. And it matters.
Think about the waste of time it takes to fluff and arrange the pillows! Time is money as they say...
@Sarah Antalis Thank you. It's a joke; either you laugh or you don't. Chelsea is more than capable of defending herself; I'm sure she gets the irony and probably chuckled herself. 🤷🏾♀️
Yes to the gym! I used to pay about $36 a month plus the occasional $2 bottled water and cute clothes, so I don't look frumpy in group classes. Now, I workout at home, exclusively with free TH-cam videos. There is so much variety and so many awesome channels that it's almost impossible to get bored.
What are some of your faves? I really like PopSugar!
I like Popsugar, too :-) I also enjoy Hasfit, Bodyfit by Amy... Heather Robertson (few good routines, smaller channel), Nicole Perry has nice short workouts under 30 minutes, Shelly Dose, Sovi Fit has two 40-minute HIIT workouts I do from time to time, JessicaSmithtv... I recently discovered Fitness with PJ and LOVE her workouts and energy (she targets the 40+ female crowd, but I'm in my 30's and she kicks my butt) and GroupX Workouts (smaller channel, but several great workouts). I also like Chris Freytag, Fitness Blender (although I do their videos less often now)... Grokker and Qinetic Live have several workouts posted with Sarah Kusch (awesome trainer!). If you like Popsugar, you may like GymRa- Rainer Pollard, Natalie Yco and Nicole Steen have some good workouts posted. GymBox has a few great routines that resemble the group fitness workouts you'll find at at the gym, although they haven't posted in a while... Hope you'll find something you like!
Try Rebecca Louise! ❤
siralanlordsugar I was referring to bottles of water at the gym if I forgot to bring my own. My gym charged $2 for a regular 16 oz bottle of water! And the water fountain was always broken.
Check out YogabyCandace. She also has some excellent at home HIIT workouts. :)
"Decent pair of shoes" shows a Yeezy
Alexandra Buchanan 😂😂 I thought the same thing smh
I was literally searching for this comment
“The Average American doesn’t wait 2 full years before they replace their phone”
Me watching this video on my IPhone 6 with a cracked screen (insert Pikachu face here) sitting on a 9 year old couch.
Adriana G Flores Yes! I got the 6S and a futon. 🙌
@@blueshoes915 i also have the 6S and a foam mattress, not viscoelastic or anything lol
Same lol
5s here.
6S and happy with one for the past 6 years
I do have a sitting room and it’s my favorite room. 😊 Device free, analog only. Read, write, draw, color, paint. No TV. Best room I ever made.
Couple of things: keeping documentation printed and organized in folders is very normal and useful because, according to law, an original document is original only if it has the original signature. A scanned document is no longer original. 90 percent of documents in my binders and folders I actually MUST HAVE. Anything that CAN be scanned, like annual gas bill settlements, can actually be shredded and thrown away after a year anyway. Besides, all those Dropbox and Google Disk providers are third parties with zero responsibility... so you would have to make copies of copies of copies of those PDF files... Putting the documents in a folder is much more practical... As for the unnecessary food ingredients, they are not THAT expensive and if one often has people around and makes impromptu dinners, it saves a lot of energy.
Right, so my signinficant other decided he was gonna make burgers for dinner. Sounds ok, right? Except he wanted to try something new. Nothing fancy. Two burgers ended up costing over $50. We could have gone to a nice restaurant and gotten the best burgers in town. He will literally spend $800 a month on food. Not special food just... food. He's hopeless. All the little thing he "just wants" and "just gonna try" adds up in a big way. I spend max $300 a month. I put my foot down with his spending a long time ago and we have separate food budgets for obvious reasons.
I was going to say the exact same, so thanks. I found the digital documents tip quite irresponsible
I'd say, don't print unnecessary papers, but don't scan everything. It's bad for the environment and costs more...
Not only that, but what happens when the IRS audits TFD. Originals are very necessary then!
Watching these videos are helping me realize that my mom did a pretty good job in teaching me how to handle money.
I’m not sure what a “smoothie blender” is, but i use my blender every single day. Mostly for smoothies :)
Raw In Progress you sound like my husband
I like it when the furniture in my room "match" but I usually focus on colour scheme rather than "everything needs to be from the same line or brand"
Thanks for watching, send a Dm to the number above let's talk on WhatsApp .
Endeavour to reach out! 📩👆...
I 99% percent agree. But as a swiss person I definitely do need that fondue pot 👍😂
Fondue au fromage🙏🏼👌
I use my fondue pot all the time too
Love using my fondue pot!!
In that case you also need some weighs and rope, both which you can use while exercising.
D Schwizer luege Spar-Videos, wie typisch 😂
Affordable kitchen gadgets that you didn't know you needed: Rice Cooker (use it for beans, barley, and stock too), Stick Blender (no need for a full size blender if all you want is soup and smoothies), and a Salad Spinner.(Buy your greens by the head, wash it and dry it. Save big $$. Use the basket as a strainer and the whole contraption to dry off anything including delicate clothes.) Things you think you need but you don't: coffee maker(use a french press), gourmet mixer (a $20 hand mixer makes excellent egg whites and whipped cream, for everything else there is elbow grease) and a whole set of $$ knives (one $$ knife that fits your hand and keeps a good edge with a honing steel.)
I second the rice cooker!!! I use my rice cooker at least once a week. My mom bought one at a Pampered Chef party like 15 years ago and still says it's the best kitchen item she's ever purchased. She gave me one when I moved out on my own and it was the best thing ever
Honestly a cheap coffee maker isnt too much, mine cost 20 bucks and its been around for a few years. Mine doubles as a kettle that way i can brew steeped tea or coffee or just have hot water.
Right on with the rice cooker.. I even make pasta shells in it, steam veggies also. I bought a 4cup coffee maker and hubby uses it every morning for tea... $5 at thrift store. Blender is also used daily we both have protein shakes.
Yeah i agree coffeemakers can be really cheap & french presses can cost the same if not more than one. All depends on if youre a coffee snob or not i guess
I have a stick blender that I use for smoothies. So quick and easy to clean. And if you use the right ingredients, smoothies are such an quick and inexpensive, plus healthy, breakfast.
I love how real you are with describing the uses of things, cause frankly is hits you better when it's actually said that way.
You could save lots of money by not living in NYC.
👏👏👏
I know that's right living in smaller City/Town can save hundreds if not thousands of dollars a month in rent alone
Living in a good place is what some of us are saving money for in the first place. I'd rather live somewhere with a lot to do than fill up a mansion in the middle of nowhere with useless crap.
@@mattcaldwell4727 okay, you live as a minimalist in NYC trying to make ends meet, and I'll live as a minimalist in a smaller city and travel the world.
But for my profession, I can earn a lot more in big cities than in smaller cities
Literally everything on this list is what my mom spends her money on. Theres like no room in the house for more of it thank you very much
NamiBurger exactly what I was thinking, her house is ridiculous 😕
Same. And she's always whining how hard it is to keep things in order. Of course it is if you have three closets worth of clothes, like 15 kitchen appliances, radiators nobody uses, several sets of camping equipment, etc in a tiny apartment.
I swear all of us have the same parents
ZubZerro lastname I know! It’s kind of spooky tbh.
It’s a personality thing.
You can’t bench 300+ pounds with milk jugs.
Hahahahahah
Get 300 jugs
you can do hand-stand push-ups and use your whole body weight against your arms.
Give it a try though Keith and please video it because it sounds hilarious haha.
I NEED to hear an opinion on personal trainers lol
Second hand furniture! Not in this day and age with bed bugs being such a problem!
Gotta be careful with furniture. Wooden things ... well cleaned.. are ok.. but stuffed furniture w/fabrics.. a no no.
What about all those demon possessed furniture items? Best to buy as new!
Rebecca Young I’ll take my secondhand $100 dining set with character over a $500-$1000 dining set from ikea any day
Lol I have a second hand sofa the only thing I definitely wouldn't get second hand would be a mattress most things u can give a good clean.
I don’t know about you, but when I got my gym membership I went EVERYDAY
Same here 😂
You deserve a gold star because statistically speaking ... people typically UNDER UTILIZE their gym memberships.
I honestly use mine as well. I think she gives a bit of good advice. Start working out at home, get a routine then invest. I did at home and outside workouts for 6 months before investing in my membership. Now I go 4-5 days a week.
I admire your dedication. I have no way of fitting the gym in every day.
YESSS!!
We need to educate people on the entertaining value of the internet, for the life of me I cant understand why someone would pay for cable tv when they have access to the internet.
Andrés Rodríguez In Germany you have to pay. Usually comes with the internet contract, to way to opt out. And then there's a tax kind of thing that includes radio, public TV etc. that has to be paid for every apartment, doesn't matter if you don't own a TV/radio
+Peter Kleber What kind of weird internet provider are you using?
I'm living in the US and it's cheaper to buy a TV/internet package from our provider then just internet. We don't have the TV cable plugged in anywhere though. :D
I use my cable everyday. I tried netflix once but really anything that's on there is stuff from 3 years ago 😩 try living in Switzerland. i I dk if they expect us to watch cows munch on grass all day or why we don't have amazon prime or hulu or anything borderline exciting 😂
I couldn't understand why anyone would pay for TV back in the days of analogue TV and five stations (ABC, 7, 9, 10, and SBS), let alone today when there are 15 for free, plus competition from the Internet.
I furnished my whole last apartment from the Habitat for Humanity Restore store and church rummage sales. I actually ended up having so much affection for the things I got--some I painted and felt proud of my DIY, some I felt great about because I got SUCH a great deal on. I found some genuinely beautiful, unique pieces that fit my space and felt really special. I don't know if I'd ever furnish a place without some used elements in the future!
It's great to feel pride for your furnishings, and NOT guilt for spending too much!
This is an amazing video! It was like the speaker knew my personal struggle of spending. Super helpful, and was just what I was looking for
Thanks for watching, send a Dm to the number above let's talk on WhatsApp .
Endeavour to reach out! 📩👆...
This lady grossly undervalues, and underuses, waffle irons.
Yesssss!!!!
Great for falafel waffles, or put thawed tater tots in waffle iron.
Preach
I received a used Belgian waffle maker that was owned by someone who went into a nursing home. I don’t know how often she had used it. But I use it at least twice a month.
And she as a fondue set and uses it only once a year. I don't have one, I eat more fondue that her and still miss it
All depends on where you stand! Many of the ideas Chelsea is talking about require a shift in the mindset, which suggests there should be some mental work done before you set up your perfect home, so you can take shopping decisions later on in life freely, equipped with the new mentality. After you've sorted out your mental space rationally, it gets really easy to look at material objects from another perspective and organise your home in the most efficient way ever.
Thanks for watching, send a Dm to the number above let's talk on WhatsApp .
Endeavour to reach out! 📩👆...
I agree on everything except for the papers, you can't always digitize everything tho :/
Like what and why not? I'm seriously interested. Please reply :)
Obviously she wasn’t talking about your Birth certificate nor your social security card or your house deed 😂... just those important documents that you just need an electronic copy just in case.
You can digitize any and everything that you don't need originals of. So if you ever need a copy... You can just print it out. And if you don't have a printer... Libraries print stuff for a few cents.
Photos, awards, receipts, tax returns, pay stubs, etc. If a copy of the original is fine... Digitize it.
Receipts, legal documents, etc. The IRS want ORIGINAL receipts. Scanned documents aren't gonna cut it for the IRS.
@@milescoburn1845 Then keep their originals. You can still digitise a lot of the other stuff.
My favorite cleaning supply tip is buying a gallon of concentrated cleaning solution (like fabuloso) and a few generic spray bottles from the dollar store. It lasts for like an entire year, cleans 90% of the surfaces in the house, and costs less than 20 bucks.
I LOVE the 5 need rule. I'll definitely be following this rule to see if I really, truly need something. Thank you!!
Thanks for watching, send a Dm to the number above let's talk on WhatsApp .
Endeavour to reach out! 📩👆...
My biggest item i think you dont need to buy is NEW fancy occasion wear when a new occasion comes up.
After formal and during uni I developed a small collection of nice, decent quality, and not overly distinctive occasion wear (mostly black and neutral colours, nothing too insanely formal, nothing too uncomfortable, and nothing too bright or otherwise distinctive)
Since then, whenever occasions come up where most people would feel they HAVE to buy a new dress, I can just revert back to my little occasion wear collection. You can dress things up or down with accessories and completely change up your look with makeup, hair, accessories etc.
Developing this little collection early on has saved me so much in the past few years, any time a work event or wedding comes up I have something to wear.
YOU DO NOT NEED TO BUY A NEW DRESS FOR EVERY OCCASION.
I often see people selling their nice occasion wear after only 1 wear which i suppose makes financial sense in the short term but its a terrible decision in the long run. Generally they can only sell it for 50-80% of the original value, and then next time an event comes up, they have to go and buy something at the full price again
JennyWas13 infinity dress is the solution;100 ways to style it👍🏼
I used to love this channel but now I rarely find anything useful. These are often renditions of similar tips but nothing that really goes past “stop frivolous spending”, maybe more on things you should do that will help you to be financially stable
i know, i wish they would start posting ~actual~ financial advice (they are called the financial diet, after all) rather than the same things rehashed 9 months later. something i'd really like to see is for them to explain financial concepts, in simpler terms, that most people are intimidated by (401k, roth ira, mortgages, etc) :/
same
Watch Rachel Cruz instead!
Once I started counting the number of throw pillows behind you, you lost me.
China Tse hahaha so true. 1 thing you don’t need : a crazy amount of pillow just for Instagram photo
Me too
What do you think she is saving money *for*?
China Tse So many pillows that's there Doesn't look like there's enough room for he to sit properly.
This comment is for the win.
Day 364: Tomorrow I will finally be able to buy a frying pan.
Always go to the thrift store in the middle upperclass suburban neighborhood.
I agree -- the thrift stores in the most expensive areas sometimes have expensive brand new items. When my partner and I met and were struggling to live in the 2nd richest town in the U.S. we learned this. It's also a resort town where the population around Christmas swells to ~20,000 (up from the regular 6,000.) Wealthy people who *did not like the trim color of their new $280 jacket* their brother chose for them ended up in the thrift store!!! We found an almost brand new TV --still in the box) sitting in a condo parking lot next to the big trash can.
And then donate your quality goods to local independent charity or thrift stores in low income areas. Poor people deserve to shop for quality goods
Yep! I have found some absolute Treasures for cheap over the years
@@lovethailand9810 sounds like Boca Raton haahaa. Yep... 1%ers be crazy.
I love your videosssss. I really have to start putting this great advice into better practice. Great work :D
When my bf and I moved into our flat, 90% of our furniture was second hand for cheap. Our couches and dining table were actually free, we just needed to rent a van for a couple of hours to pick them up. Then over the years I’ve changed most items one by one, investing sometimes a little more money or energy in fixing/custom making beautiful pieces (I’m à Sunday DIY kind of person). After 4 years we’re almost at the place I want style-wise! It feels adulty, and I value everything so much more than if it was all matched. That would feel kind of soulless.
I can’t work out at home and be effective,, the $25/month I pay for my gym membership is more than worth it.
I paid $15 [pre COVID]! I went 4-6 days a week. So it more than paid for itself.
Actually gym equipment isn't expensive compared to a gym membership.
Homegym's are far cheaper. It's like with cooking at home compared to eating out.
It also really depends how you train and what your focus is and get the stuff you want and need only.
If you want to do Zumba or something alike, then a DVD will do it. If you are into running, then get a running machine. If you are into bodybuilding, then get weight plates.
Make sure to check enough online shops to compare, so you don't buy the first thing you see that might turn out expensive.
Not only will you save a lot of cash with a proper homegym, compared to a gym, but also save time that you are not wasting going and coming to the gym.
The time you save you can use to be productive in other ways.
P.S. you can do save even more if you know how to make a DIY Equitment.
As in the military abroad we (Soldiers and the families) use plastic bottles we fill with sand and put them in plastic bags, then tie the plastic bags with a rope to a wooden stick. Easy made barbells and they easy to leave behind or wrap up, instead always carrying heavy equitment. Same with tire flips that are popular now, came from the military.
Just take old truck tires, you can find them for free or small fee at the car junk yard.
I am even more frugal than this, I just reuse yogurt tub to store cereals, lol😂
Seriously i have so many old containers that i still use. Old pasta sauce jars, margerine containers, etc.
I'm so happy to see I'm not the only one! I was feeling a little ashamed at being so cheap.
old pasta sauce jars are great! i use them and over time, i have collected what look like a set from a store :D
phantomkate6 this habit is absolutely not cheap, it is environmentally friendly! :)
Tu lan I talk about this all the time on my channel ❤️❤️❤️
The math is amazing on how much that money will grow over time instead of being spent on things you don't need. The shame and guilt comment is so true! Thanks Chelsea. Love your new look, too!! I saw you at fincon:)
Always love your vids. Thank you for these ideas.
Thanks loving every minute of this video ... very good advice and a no nonsense approach..
Bravo!! Keep it up!!!
Cleaning supplies: your local home improvement store likely has large commercial-sized containers for not much more than what you'd spend on the "normal" sizes; they also carry empty, reusable spray bottles.
The Dolkar Store.
I grew up eating breakfast for dinner so often that eggs, pancakes, waffles etc seem like dinner foods to me, and I did a double take when you said "waffle iron." I use mine several times a year and can't imagine ever seeing a waffle iron as unnecessary! I like to reheat leftover waffles in my toaster and spread peanut butter and honey on them. So good! I'm starting to get a craving for waffles now...
While I hate waffles, and anything waffley...👀my family loves them, and used the waffle iron as a sandwich maker also. They had a blast with that thing.😂
i save about 10 bucks a week with my waffle iron by making my own waffles instead of buying the frozen ones from the store
I do wanna say, there is one kitchen appliance I enjoyed a lot. It's a water bottle blender. Basically the water bottle has two lids, one for drinking and one for blending, and it's so convenient to clean and use. I make smoothies every day!
Love the Yoga with Adriene shoutout. Just finished doing the practice for today, and if anyone wants to get into yoga, I highly suggest Adriene's channel! She makes yoga fun and worthwhile, and you'll want to come back for more.
If you do have a waffle maker you never use make sandwiches with it, my Dad used to do this for us every weekend when we were kids to the point where I didn't know it was supposed to be for waffles lol.
OH MY GOD THANK YOU WHY DIDNT I EVER THINK OF THIS
Omg! Thank you, I was just thinking of buying a panini press and you gave me this great idea for my never used waffle maker lol.
i do the same thing
Our kids also "cook" tater tots in it for snacks! tater tot waffles are the bomb! LOL!
I used mine to make cornbread.
I love the way she talks. It's down to earth and she doesn't dictate or preach nor condescend.
love your delivery ! no nonsense and perfect sense-thanks so much -ive subcribed!
I was so happy to see that I’ve been doing a lot of this stuff already! I call that progress!! The 5 need rule is definitely something that I need to incorporate into my lifestyle. And you’ve been looking so fabulous, Chelsea!! I’m really loving that lip color on you and want it for myself! 💙
I noticed her lip color too... super classy and pretty!!
please keep one thing in mind: Netflix is only great in the USA. We in the Netherlands have a very shitty Netflix. Most things that are popular aren't on there and if a movie is part of a trilogy, we can only watch the 2nd movie...
Lisa - Same in Canada! And they wonder why so many use The Pirate Bay.
If the government is watching: how dare you infer I recommend doing anything illegal, I would never
That's the way it works in the US also. You get season 1 for free but have to buy season 2, etc etc. Netflix is not terrific, but it's better than it used to be. I got rid of Netflix and have Amazon Prime, which includes Amazon Video. No one ever talks about the fact you can get local channels with an antenna. I got one for $6 off Amazon. It's a little square thing about 8" X 8", and it just hangs on the wall, and I get ABC, CBS, PBS, Fox, and some crap I dont watch.
Kathy Radford Prime Video is even worse than Netflix here in Canada (and if you're about to suggest Hulu, we don't even have that at all). Sounds fine for Americans, though. I used to use it when location-spoofing still worked.
Ugh I think I already watched everything good on Dutch Netflix....and it is so slow with uploading series...😑
Ert an They don't always work outside of the US. I live in Trinidad and paid VPNs eventually get blocked especially from Netflix
I fell upon your videos recently and appreciate your frank opinion. Keep up the excellent work educating people and redefining value.
Thank you, dear! This is really helpful. ❤️
"Every inch of square footage" is the most hilarious non-metric mumbo-jumbo I've heard :D
Haha
Yeah. You people don't know what a quarter pounder with cheese is do you? Lmao
I love how practical this channel is.
My air fryer is used 5 time per week. No oil and time saving amazing and no fast food. It was also a gift. Love love.
What do you cook in your air fryer? I just got one and can't think of a healthy thing to use it for
I use my blender daily.. the same goes for the rest of my plethora of home appliances. They are extremely time saving. If you take the time to learn to use them, they are extremely worth it, i have been curious for a while, I intend retiring/working much less in 5 years and keen to know best, how people split their pay, how much of it goes into savings, spendings or investments? I earn up to $180K per year, but nothing to show for it yet
for someone who needs some catch-up, consider the 80/20 model. Needs and wants / Investments
Chlesea talks and sounds alot like the Actress on the TV series Monk Natalie Teeger ( Traylor Howard) there are a lot of people like this. Im 52 and just getting serious about retirement. Its sad because the time to get serious was 20 years ago or even younger.
For me, I'm quite lucky exposed to financial planning at early age, started work at 21 and invested to my 401k through my employer, going forward I purchased first home at 33, unfortunately got laid-off afterwards, amid 2020 covid-outbreak. At once, I hired an advisor to help stay afloat, and as of today, I'm only 25% short of achieving my 7-figure ballpark goal after subsequents investments.
bravo, this is striking! mind sharing info of the advisor guiding you pleas? i'm in dire need of multiplying my reserve
My advisor is Laura Grace Abels, a renowned figure in portfolio diversity. I recommend researching her further on the web, she's well established with over two decades of experience in her line of work.
Yasssss for the Yoga with Adrienne shout-out!!! 😃
loved this video! some really good tips! I'm seeing a lot of "oh you have to be rich to find this useful and/or relatable" comments, and while i agree, i also feel like these kinds of videos are necessary, because i find that often it is the kids of middle/upper middle class that make this mistakes because they never knew how to keep a budget because their parents could and it was a different time and then they end up being the ones with bigger credit card debts, etc. People from lower income backgrounds grew up knowing that some of these things are not necessary and how to better stick to a budget, so of course this kind of advice doesn't apply to them. I agree that there needs to be more content for them, but it doesn't invalidate these kinds of videos.
I WILL NEVER HAVE ENOUGH WAFFLE IRONS!!! FIGHT ME!!!
There is not substitute for a waffle iron. Frozen waffles are terrible. But I see her point being you don't need to buy every new gadget that comes along - only the ones that will be used consistently.
@@3653cw frozen waffles aren’t that bad
😂😂😂
:))
I think she confused a sitting room with a living room. I couldn't ever imagine living without one. Not just for entertaining, but relaxing and hanging out.
goodwill! I got a fully operating Dyson animal vacuum for 8 dollars. All it needed was a deep cleaning. It took me two hours to clean it, and its good as new.
Theres no reason so get cable period, i dont even own a tv in my room when my phone lets me see everything i need
What company do you use for your internet? For some reason Comcast charges me less when I bundle cable and internet even though I just want internet, it's ridiculous! I don't even want cable.
kanyeblessed i dont own any company i use showbox on my andriod to watch new movies and tv shows and netflix and hulu and i just watch youtube for news
Oh gotcha, thanks!
jsjk yeah fuck that i havent had a tv in 4 years its pointless
Really at the very most all you gotta do is buy a projector for like a hundred bucks, point it at a blank wall or hung up bedsheet, then hook your laptop or game console up to it. Then you can play video games and stream shows on a ''screen" that can be as big or as small as you want it. Still totally optional, but if you want a bigger viewing surface it is a lot cheaper than most TVs.
Sittings rooms are often useful when guests come over, it's a place to be able to chat and hang out without having to go out of your way to make your bedroom more presentable.
It's also useful if you need to talk business or something in your house.
And also a great place to have the family wait when wanting to go on vacation (aka if you are ready, you wait in the sitting room so that it's easy to just go without having to wait outside in the cold/heat and everyone will be together so it's easier to get out quickly).
Thank you..
Thank you..
Thank you..
Exactly what I need prior to buying a small apartment. Ooh I'm so happy and content!
I love your videos! As a first year college student your videos help me a lot. Would it be possible for you to do a video over financial tips for one’s first apartment? As someone who’s never had to apartment search and look at those times of finances I seem to be lost. love your videos!
asing3181 they have one. Lauren did it
I do have waffles at home at least once a month because I love them.
Thank you. ... It looks like this video was made just for me .... We are in the process of moving into a new home and as you can imagine my mind is all over the place. ... what to buy... where to buy it from .... etc. Thank you for giving me that clarity I needed 😊 I can now make a more informed decisions about the things I need as opposed to the things "I want" 😊
Some of this stuff I actually do need as a disabled person. I couldn’t live without my blender.
I still have my iPhone 5 (my first and only Apple product) that i purchased brand new in 2012. I recently have not been upgrading the software when there is a new ios rollout cos im concerned it will slow down the phone. My only gripe at this point after having the phone for over 5 yrs now is that the battery tends to drain so much faster now. And since i havent upgraded, my phone doesnt recognize some of the new emoticons. I can still do facebook on it. I can still do my online banking, monitor my investments, even traded stocks a few times before. The bottomline: it still does all the things i have set out for this phone to do when i bought it in 2012. Here's the most interesting part: today is January 2018. Last Christmas 2017, my dad had offered to give me an iPhone X as a present (the newest iPhone as of this writing) but i declined. Call me crazy but i said, i feel like i'm in a contest with myself in owning this phone for a while and i feel like i'm winning. So there...
I still have an iPhone 4s (!) from 2012! I will ride this thing until it dies or the lack of software support becomes too detrimental. And yes, that battery does drain fast now that it's in its old age, but as long as it gets the job done for what I want it to do, I'm sticking with it. Really the only reason I'm excited to one day get a newer phone is that the newer ones have much better cameras in them.
thatjillgirl When u do decide to upgrade your phone, please dont fall for the new business model of carriers now which is equivalent to leading a phone. With at&t, it's called the Next plan. Other carriers have something equivalent but had another name for it. Just buy your phone in cash and then same as usual, own it for as long as possible!
My mom still has her 4s and she was able to replace the battery a couple years ago. If it gets really bad, check online for instructions - she just used videos to help her do it.
chinitocutie I thought I was the only one, I have been using mine since 2011, and everybody have been on my case within a year saying I need a new one, no I don't. my phone does everything I want so why waste money, I will rather give the money to somebody that genuinely needs it instead of lining multi-billion dollar company's pocket. Also, I bought my phone cash and got sim only package with unlimited internet, local and national calls , texts and 2000mins mobile calls that I pay 'coffee' money for every month.
People need to appraise their lives especially financial regularly, at least annually
Shit.I still have my first smartphone from Tracphone.Good Enough.ScrewApple.
i love and appreciate this channel so much but this vid made me realize how class-specific much of this advice is. i'm sure there are other folks out there who never grew up with parlors or large cable packages... but the advice is good nonetheless
I think they're just young? :) I to this day have never had cable tv, tv is FREE with an antennae! There are actually people that do not know this!
I'm so glad this wasn't just me. I don't know of a single person who has a parlor room LOL
Antennae TV is terrible I would rather have no TV at all tbh
I don't know anyone that has a parlor (a really old-fashioned term BTW), but I know many people who have a formal living room with the "good" furniture and a separate family room where the comfy furniture and TV are located.
see I always think that when I watch this channel and also (ironically) minimalism channels.
Their advice for clutter is to just pitch things and go buy it when you need it
How ironic. She is talking about unnecessary items when she has so much pillows in the background
That's decor
@@fabulousjenny17 Yeah but matching furniture is also decor
It's a TH-cam set. The difference is professional vs. personal. In a professional environment, it's important to promote a pleasant environment to help your brand. In a personal environment that's not a priority. Especially when you are specifically trying to stop spending money needlessly.
i.tsune so? It’s still clutter
why are u focusing on that? does it make u feel any better about yourself?