I am a super rich person! I am married and have a daughter. We have a roof over our heads and 3 healthy meals (homemade). I almost have no debt and my car is paid off.
@@Bachconcertos Two :D I have very nice clothes, time for myself and family and I rent nice appartment. But I considered myself rich because I have food and roof over my head. Everuthing else is luxury!
@@Bachconcertos lmao, what does that have to do with anything ??? i have no job and im willing to bet i have more $$$ than you and more to the point,,, WHY IS IT YOUR BUSINESS ?????
Morning Nicole, Nicole here. Your video this morning made me realized how different our generations are. I'm 70 years old. In my life I made several mistakes financially in the name of enjoying my life. I quit my 15 years of corporate work life in order to backpack around the world. I made over 1,000 skydives, I moved from Canada to the US (without a green card) in order to jump all year around in bigger airplanes. I did have a lot of fun and I am still able to enjoy a fairly comfortable retirement. Watching your video today it hit me that I probably would not have had the freedom of doing all this in today's economy. Young people today must feel so financially insecure compared to my generation. We had so much room to mess it up and still come out of if just fine. Take care of yourself.....I like your style.
You are so right. There are a lot more indulgences/temptations/extra expenses nowadays for people who are less aware of how damaging all these advertisements are that hit us fr every angle. Capitalism from greedy entrepreneurs has gone out of control so, yes, I think it's harder to save money nowadays. I feel sad for the young ones bc they are so easily manipulated and they can't realize that there's so much more to life than giving in to that overpriced luxury accessory, that worthless diamond ring, or anything just for show. People should work on deep-rooted insecurities rather than cover them up with shallow, temporary gratifications. We are subjected to a lot of negative exposures but at least there are good ones, too---influencers like Nicole to spread awareness.
So you're born in 1953, raised in the 50's & 60's as a kid all the way to the 70's I guess when you were an adult. I feel really bad for you folks. You guys didn't even have colored t.v's., Video game systems, Rotary phones, no cell, no internet, nothing of technology, crappy cars that sucked a lot of fuel, mom & pop shops because Walmarts & Amazon don't exist.... Heck Blockbuster video & things booming in the 90's didn't exist when you were a kid & even young adult. Then for work, no direct deposit & had to go to the bank & wait in line & again a lot of mom & pop stuff.
@@tonyp9313 The average house had about 1,200 sf with 3 bedrooms. Today it is over 2,500sf for a 3 bedroom. XBox was called "outside", and we got our driver licenses at 16 - like immediately. If we wanted something, we worked and saved for it - credit was for the rich. Almost nobody saw a job at McDonalds as a career, but as a stepping stone. We were in better physical condition, because we had to ride a bike or walk everywhere (at least until 16). There were 3 channels of TV (4 if you got PBS), and everyone watched the same group of shows (FYI - the quality was generally higher). There was ONE TV in the house, and if you were the youngest you were the remote. Air travel? That was for the wealthier among us, and people dressed up to fly. Air conditioning was also for the wealthier folks, and if you had it it went into your parents room first (window rattler). We NEVER expected to have everything our parents had right off the bat - we worked and saved for it (again, credit wasn't a common thing for the working class). Not everyone was steered toward college then, many were steered toward the trades and HS shop classes actually prepared them. I think the big difference today is expectations v realities. If you are grounded in financial thinking and as a person in general you will meet success. Thus, it has always been. I get tired of folks thinking Boomers had it easy. We didn't. Our expectations were different, and better grounded. I accept that times have changed, and I can point to several key things that happened in the 50s, 60s and 70s that caused the issues. A key point there though is WHO was in charge of the big companies then. Hint - it wasn't Boomers, but we were better prepared to deal with it. Sorry, long rant. I just get a bit tired of being blamed for a bunch of shit that is fixable if you quit whining and do something to unfuck yourself.
Great advice! Ive always been good with money but I can’t help feeling that the system is set up so that the average person working for a pay cheque will never get ahead financially. It seems that the average middle class worker will always struggle to keep their head above water
Can we PLEASE stop saying things like, "The system is set up so that the average person can't get ahead...". Just stop. No. It's not "the system". The system is not out to get. you and the average person. It's about YOU and the daily decisions that YOU make. You're not poor or struggling because "this" person is in power, or "that" side of the aisle in congress. Life will not be better if only "they" were not there. Its YOU. It's not because eggs are so expensive and interest rates are so high. It's about you being financially literate. It's about you working hard, making hard choices, teaching yourself about personal finance, and making slow and steady progress. So tired of people always saying it's "The Man" and that's why they can't make any progress.
Ok but also a handful of billionaires are hoarding most of the wealth in the world and capitalism is designed to keep people struggling so they’re too burned out and busy to revolt.
My way of spending money is to always tell myself that I don't have it. What I currently have is off limits, except for necessities. So I tell myself if I want something that's not necessary I need to save up for it. If it's $1000 then I'll save at least $3000 before I spend $1000.
A retired Army coworker once gave me some great advice. Patience. Whatever your major purchase is, whether it be a repair or a purchase, do one thing at a time. Pay it off before doing another. And, build an emergency fund for the things that happen in between.
Agreed. And as for that person that's telling you "you deserve this today, just charge it", follow the money. Pretty good chance they want some of the money in your pocket to move to their pocket :)
I just cancelled 3 subscriptions which ate my money monthly. It's feels like miracle as usually you have to pay the going out fee, the months you got left, but I was given special gift and all cancelled without any fees as good gesture. Sometimes people just need to ask and usually the companies making their millions, so they are quite understanding.
I live on a disability income of $1100 a month, I'm debt FREE. I drive an 18 yr old car, and I've been on another NO SPEND year that I started on July 1 2022. I have been "no spending" now for so long that it has become second nature to me, n I don't see that ending, it really is easier than think.
I have been feeling depressed because I just got fired from my job. But your video helped me to see I am doing good financially because I have over 6 months of expenses saved up and I am getting unemployment so I will be fine until I get another job. I need to budget better so I can save more money.
I get bonuses at my main job. Bonuses for signing on clients, bonuses for good Google reviews, and money for mileage. Couldn’t be happier 😅. Beats working for myself and trying to find clients
As somebody who dug myself out of the payday loan debt slavery fueled by addiction, I can now proudly say I am addiction free, debt free and have 6x the basic emergency saving amount. I can definitely say even having a small emergency fund is a HUGE load off the mind. Even if you can only save $20 a payday, just start saving something. You'll thank yourself later.
I agree with you 💯 percent,most people live paycheck to paycheck and I don't know how they can keep their head above water everyone needs a rainy day fund
This year 2023 is the first year Sue and I have been totally debt free and using a budget app to see where our money is going. Between money we put into our HISA and 401Ks we are saving 50% of our income. We have 10 months of expenses (FU money) in saving in our HISA. 7 years ago we were paycheck to paycheck, now on basically the same income we are saving 50% of our income. All this with the current inflation rates. We have gone from complaining that we need more money to saving 50% that means we are not spending money willy nilly. 5 years of no spend misery---now we keep most of our money.
Love the fact you have a record player, I live a relatively minimal lifestyle too, except for one thing- my 600 LP collection haha. I will always hold onto it!
Thanks for the pep talk, especially about telling people you can't afford something. The pressure to validate other people's spending choices can be intense, and a lot of us go along with it to reduce friction. I still constantly have to say no to friends who "just" want to go out for a beer or latte, which becomes beers and appetizers and full on restaurant tabs and quickie trips to a casino. I counter with "come on over, I have beer AND coffee and food and music" which works some of the time. Doesn't work for the people who want to be seen in choice public places or blow a wad gambling but then you know who really values your company. It also helps to tell them there's something special you're saving up for, because some people just frown on frugality as a default like it's some kind of character defect, like you're just a downer person who is puritanically opposed to having fun. I value fun, but on my own terms, and that means that I have a nice vacation trip to look forward to that I have a realistic prospect of affording because I'm not buying overpriced beer and fried crap all year long. Whew.
Love this video. Me and my husband are definitely that type you describe "makes 50k and spends 30k" roughly, so we're pretty confident in our decisions but there is always room for improvement and making great moves with our money. I love the attitude you share here about driving your older car with pride, and so on. It's so good!
I've just been through the second mass layoff by a major Fortune 500 company. American businesses are swapping out US citizens for foreign workers, to lower wages and labor costs. They've been doing it for over a decade. You can do nothing wrong, and they will sack you. So having multiple income sources is very important, as Nicole says. And frankly, I consider it an honor to be among the discharged. In an environment where your boss cannot do your job, you're always in danger.
Getting fired or laid off has always helped me despite, at the time, thinking that it has not helped me. The reason being that just changing jobs results in a huge salary increase.
One recent thing I did that has really helped my spending is to have 2 separate checking accounts. One for all basic bills and the second for all discretionary spending and savings. Because I want to save I clamp down on unnecessary spending.
I don't know where i went wrong. I guess because I've never had a "support system" ?? ..idk. I'm 50 and FINALLY have a proper place to live after 10 yrs of couch surfing. But I've worked so hard I've had a few total emotional & mental breakdowns. Apparently it's called "autistic burnout" --when you can get "depression attacks" and even though i definitely was NOT unn-lifey, one day i suddenly (like a robot & against my will) almost did the deed!! WTF??!! scarey as hell. And i had no close friends to help. I love your content. But life has almost killed me. Decades of survival mode has actually changed me, and NOT in a good way. Humans don't have infinite amounts of strength & energy! If i died today, nobody will have known who i was. And it was such a waste of a life... working for food & shelter. Wow! Not. lol. I ALWAYS used to be a very positive and a "can do" person. I only have about 3 more decades left on earth. I reeeaaaallllly hope i get to know what it feels like to live instead of just survive.
Our key family strategy has been to live with family or friends instead of solo, to save money on rent / mortgage. Some of us can even carpool to save on gas
The points you make in this video as well as some others should be used in a high school course titled Life Skills or some such thing. Teaching about money, credit, retirement, wills, contracts, investments, budgeting, estates, mortgages, all the things we'll likely be faced with in a lifetime. I know I could have used it but I managed to figure most of it out along the way.
NICOLE, DOWN IN THE LOWER 48 WE ARE PAYING 22 PERCENT OF OUR TAKE HOME PAY FOR FOOD PER MONTH. MORE IMPORTANT THAN EVER TO SHOP AROUND. WALMART IS NOT ALWAYS THE BEST FOOD OPTION. HAPPY HOLIDAYS LET'S HOPE 24 WILL BE BETTER.
You are the most real person I have come across on youtube so far! You have such Wisdom and inspiration, I learned so much from your videos and I thank you!❤
Every year I buy stuff that is so bad but its all accounted for in my selling stuff on Marketplace that I pick up for free one way or another and repurpose what has value in it. It helps that I am almost a hermit to not over spend. This video made alot of sense!
When budgeting, round up your expenses and round down your income. Works for me anyway. Also, have the right attitude. I think it was Marcus Aurelius who said "to feel wealthy, want less." You don't need to go hungry, just understand there is a difference between "need" and "want." Having taken lots of marketing classes I can honestly say that my professors would call me a heretic and never speak to me again if they knew that I said that, because a fundamental strategy of marketing is to blur the line between need and want. Don't let them tell you how to determine you needs.
When you are in a type of insolvency, your practicioner won't allow you to hold savings. (UK, personal example. ) I can keep up to 10% if I have overtime, that doesn't happen very often. 19 months to go, I plan to double my car payment when my IVA is paid. Second income would have to be paid in to the IVA, so I don't bother. All of this made me learn the hard way, how to handle things correctly. Never going back to the old ways
Great vid Nicole. Just to add to your comment on shopping around, I do it online all the time, it's so easy and a great feeling when you nail an item which you really need, and it can be half or less than another seller...example, I needed a good quality, high spec PTC Ceramic Fan Heater recently, cost on Amazon 114 $...found one on eBay 43 $ (which I bought brand new and exactly same brand and specs) I would echo everything you proclaim in your video Nicole and it's a great feeling of self satisfaction to live thrifty and be able to put away the savings for a rainy day.
Thanks to your videos, I started my own TH-cam adventure (and you even had a look one time on my video's, leaving a comment and even responding to a personal email!) but I also learned a lot about financial stuff and the way I am budgeting right now! I'm from nature a big spender and I have a husband who is from nature a minimalist. He really owns only a keyboard and an amplifier and some clothes and shoes, and that's really it! So with me and my thousand and one hobby's; it's not easy to budget. Especially with our children. But now, during a couple of months, I threw out a lot of clutter (it's still not completely clutter free but I'm getting there) and it's feels so freeing. Every room in this house is breathing right now. Even downstairs. No hidden dump somewhere. It feels organized. And also I made the choice to live more intentionally. I have the luxury to live from my foodtruck which I started 6 years ago and now doing the whole TH-cam thing and trying to become a professional painter. I'm already selling my paintings! Now I cut down a lot of unnecessary expenses. I cook my own meals like you said. I take better care of myself (and so also my family). I try to consume less, and needing less money this way. I feel free as a bird and proud that I have my own income from my very own business with a 6 figures revenue. Not bad for someone who was tested with multiples mental disorders and an IQ lower than the average!
FYI, if you want to keep your phone number, I know for a fact, Boost will make it very difficult. Very difficult. I watch this channel because there's always more to learn. One of the things I want to say is, when you're freaking out about a repair, it helps to take stock. First, is it that bad? A couple of winters ago, it go COLD here. I'm from up north, I'm cool, know how to handle this. Woke up, my kitchen was flooded. Of course, first thought was broken pipe. Freak freak. I called my pseudobrother, whom I thank the Cozmic Muffin for everyday, and he talked me down. It's okay. A little calmer? Go look now. And what I'd done was left the water dripping, but the pan under it had filled and overflowed onto the counter, then the floor. Not so bad. I stuck my foot through the. bedroom floor a few months back. That reaction was more, "Oh, shit." I have two accounts, one I use for bills and other spending, the other is the emergency account. Well, emergency account is pretty much gone now, but I have a solid floor. I put most of the money away any time I sell something, like refurbished furniture, or a fancy dress I made. Takes a while, but I had it when I needed it. With my regular income (social security retirement, totally unimpressive) I still put some of it away. My car is 10 years old, a little Hyundai, but it's what I need. I live in a mobile home, but my kids are grown, and have their own homes and families. I don't need a big home. Or a new one, for that matter. My idea of having it all is having what you want. A functional car, my home, My jewelry, such as it is, I got from Claire's or someplace like that. I do my own baking, dehydrate my own jerky, garlic powder, et al, can up fruits and veggies from my yard. In my mind, I have it all.
We got rid of cable tv and the wireless phone contained within the 'bundle' we had about 15 years ago. We now use antenna tv and an OOMA phone VOIP connection. Last I looked, we have reduced that cost by at least $100.00 per month. Doing some quick math, we have saved in the neighborhood of $18,000.00 over the past 15 years doing just this. We have only wireless internet which runs about $70.00 per month as of today. Things really add up over time!
Today when I left to buy soda, I came home to find theres a soda recall. Thats spooky. But it didnt effect Wisconsin's soda. Hope Levi is a happy puppy this Christmas week
The thing hardest for me is the guilt over the slightest waste or mistake.....brings up memories of the old folks in the 1950s who anguished over every quarter and annoyed everybody around them. I was told many charge hundreds or thousands online and keep it a secret from their spouses.....with me it's $5 and $10 mistakes. Since I hate buying cheap slave goods that really keeps me out of a lot!!!.
Great video once again! I think that another sign that you're doing better than you think you are is if you always know exactly what to expect when a package arrives at your door. I used to have a coworker who would blindly order so many things online and send them to our workplace, and she usually had no idea what it was until she opened it. I've seen enough memes and reels on this to get the sense that this is pretty common thanks to Klarna, two-day shipping, the plethora of "sales" in November and December, etc.
Phenomenal video. My partner & I watched together and couldn’t agree more with you. Also, this was the perfect financial pep talk we needed to hear around the holiday timeframe to get us focused again:) Keep it up, Nicole! Your videos are amazing and truly help people.
I used to be always in debt it doesn't matter what I do, until I discovered Dave Ramsey the baby steps and that has changed how I manage how I spend. Started to budgeting. Watching all things has to do with finance like this kind of videos. Now my debts are gone, I have an emergency fund and saved over 50k in the last couple years. I used to have zero save and deep in debts. One advice I wish I know since my first paycheck is PAY YOURSELF FIRST. That's how I was able to saved 50k the last couple years. If I knew this years ago I will probably a millionaire by now and I'm not joking.
But better to have started a couple years ago then to have not started at all. Investing is just like planting trees. The best time to start doing it was 20 years ago, the 2nd best time is today ;)
Yay!! Love to see art on your walls!! You totally deserve to see nice things in the house you worked so hard for. Glad to see you seizing the opportunity to spice things up!
I sold my soul to Corporate America but I also put the maximum I could in my 401K. In retirement I am actually living the life I want. Too bad that I waited so long to really enjoy life.
Hiya Levi! Please tell Nicole that I enjoy her content and thank her for her insight and that I appreciate her immensely. I know she is a good human by all the ways she spoils and adores you - take care of her and yourself. You're the best dog. Texas sized pats and kisses.
You Rock Nicole. Been a big inspiration for me to get my finances in order. My day job barely pays the bills ... but I've decided I ain't living without savings any more!!! Some interesting side jobs coming my way lately as a result
not doing as bad as i thought. i have a plan. debt free at the end of this year, will happen. flesh out emergency fund asap and 2nd stream of income by april 2023. great vieo. great advice. thanks!
Hi Nicole your videos have helped me so much. I'm a formerly shopaholic who chased instant gratification and started bingeing Dave Ramsey (which was not good) however only started doing better when I watched your videos. I can now say I am on the way to all of the signs you listed in this video
Hi Nicole! It was nice seeing a positive video this time around! Lately I’ve had some pretty huge life changes. I think my next goal is to own my house completely in the next 5-7 years. I think I’m starting to realize that even if my bf and I were to get married in the next few years I want my house to be my asset. I want to fully have the piece of mind that if the relationship doesn’t work out it’ll still be my home. I’m not really sure how all the details will work out but I’m thinking definitely talking to a lawyer before I ever sign a piece of paper. Or maybe not getting married at all 😂 not really sure!
Having a plan, and presenting that plan which is optimal for both the prospective higher up, (we all have a boss) and yourself is peak to successful financial gain to both parties. Know what you’re doing, and stay the course.
Thanks for that! I do most of those things and sometimes feel deprived in comparison to my friends but they don’t have a problem with debt and for me debt is so untenable! It makes me so uncomfortable. I am retired and watch my money closely. I don’t want to work at this stage of my life so I have to know where every dollar is going. I use the every dollar app which is so helpful. I am glad I found your channel. I know you are young but would love to see some content for retired persons. I am lucky to have a great pension.
I’m disabled, on social security, debt free and several thousand in the bank. Most of you could do it too, but you probably wouldn’t want to live where I live and drive what I drive.
As always, I think today's video was great. I just get mesmerized by you. I read most of the comments, and I get the feeling that most of your audience is past 40. Never too late to have a good financial plan, but I've been trying to spread the news to as many young people as I can. They really need the advice. Where was Levi?
Hey, I use Mint Mobile. I pay by the year, so it's like $15/month. Good deal and they have good phones deals, even though I'm rocking a 5 year old iPhone 11.
I love watching this video and seeing the adverts TH-cam pushes me, for things like overpriced whiskey glasses, when I know Nicole would drink her whiskey from an old mason jar.
Thank you Nicole. I really enjoy the videos. because i am frugal person, I feel very much like i am in the minority. its like nobody else cares OR everyone thinks that you are wrong, even when you are proven more successful than them.
Ok, but I need those "other people". I want corporations to grow, I want corporations to make money. If corporation make money the stock grows and they pay dividends. I want poor people to share their money with me!
Every purchase is a decision. Not thinking about that purchase is a decision. Buy everything you need, some of what you need, and save and plan for everything else. Learn to live below your means.
Hey Nicole. I just wanted to share I have achieved a personal financial goal today! I saved $100,000 dollars! Woot Woot! I immediately invested it in an 11 month cd with a 5.5% interest rate :). Maybe I'm sharing too much but I am really excited. I've never made more than 50k a year and I was able to reach my goal. A lot of the things you talk about on your channel and the way you live I have done most of my adult life. Thanks for all your knowledge and advice. Keep making videos.
Wealth not equaling become has hit me recently. I have a friend who makes 3x my income, owns a home, travels lots, Has brand name and fancy things. But she’s 30k in credit card debt, car debt, student loans, over drawn, and worried about refinancing her mortgage next year…. Where as I am consumer debt free, will pay off my car this year, have paid down my student loans, have half an emergency fund, and retirement. So in a few years I’ll be in a much more secure place than her.
Van repairs over 1k, hopefully my truck isn't too screwed up Auto thieves tried to steal it from a shop Goodyear denying responsibility however corporate Goodyear certainly is taking it seriously. But I'm not broke and my bills are paid. Covered a neighbor for 500 is working on the van when he was short on rent, another friend for 350 after she shattered her leg.
Fabulous advice! I was always bad with money, but I always had a an emergency fund. Wages down and inflation up is not true in the US. Now I will have to trust you about Canada, but there is a huge perception problem here in the US. Look at your governmental page looking at GDP, stock, and prices for usual purchases. You're the best.
Inflation numbers are manipulated in US, it excludes gas and groceries. Same goes with jobs numbers but go ahead and trust government numbers. Groceries are up 50% since 2020 along with gas not to mention insurance rates. Wages are up but not close to real inflation.
Hey Brian thanks for the new numbers. However I do not think that the numbers are manipulated and I don't think gas is excluded. Why would it be since it reflects a serious downward turn in price? BUT, before you get annoyed please let me look into it. If you have sources please let me know, I would love to read it because it seems to me, given your reply that accuracy is important to you. Me too. Let me know if you wish.@@BrianK-zz4fk
I just checked the CPI numbers and gas and food is included in that index also we are at roughly 3.5% inlation. It takes roughly 4-6 months for that to catch up to actual spending power. The economy by all measures is doing well. @@BrianK-zz4fk
thanks this video helped me know that I am in the top 50% and the USA . being poor I had to gain the skills on knowing how to cut things back, and go with out . learned the value of of a penny saved is a penny earned lol. a cupule of years ago I started walking around and colleting cans and turning that money into sliver , yes real sliver and this is my side gig. my part time job is in dong handy man stuff or concretion,. there is no more middle class any more , just poor or rich . any ways I get by and live in a house that my mom left me after she passed away 5 years ago and it is payed off so many cost of living is not bad . you helped me realize not just to settle on greeting by and steeping it up and doing more . feel like I had some kind pf programming on not wanting more for myself then to just get by on what I have , thanks for giving me something new to work on.
NB * PEOPLE ,....I found a money saving loophole for people in Canada or winter climates.I research everything and found that physics says that tires are safe for 6 years and then they lose 10% safety ( EVERY YEAR ) nd blow out after 6 years. Two sets of tires winters and summer is stupid and bothersome and about $ 1,600. extra if you count the 2nd rims and tire changing appointments twice a year.I went to Bracebridge north of Toronto to " KAL TIRE " a chain in Cananda since 1964.They have these excellent rugged Alterian tires from Japan for $ 233.00 a tire. A KO2 or KO3 Alterian is about twice the price and my KAL alterrain tires are very quiet, good in ice and snow, have the snow flake for insurance discounts in car insurance. Next I buy a water tank for the home to benefit $ 3,000. over 15 years.
Was that the kids name? 😂 Been a while since i brushed up on my simpsons general knowledge..... i kinda remember the kid having to run 200 miles to get to the neighbours house to ask about toilet flush direction 😂
I am a super rich person! I am married and have a daughter. We have a roof over our heads and 3 healthy meals (homemade). I almost have no debt and my car is paid off.
🙌🏼
Do you have a job?
@@Bachconcertos Two :D I have very nice clothes, time for myself and family and I rent nice appartment. But I considered myself rich because I have food and roof over my head. Everuthing else is luxury!
@@Bachconcertos lmao, what does that have to do with anything ???
i have no job and im willing to bet i have more $$$ than you
and more to the point,,, WHY IS IT YOUR BUSINESS ?????
That's not rich😂
Morning Nicole, Nicole here. Your video this morning made me realized how different our generations are. I'm 70 years old. In my life I made several mistakes financially in the name of enjoying my life. I quit my 15 years of corporate work life in order to backpack around the world. I made over 1,000 skydives, I moved from Canada to the US (without a green card) in order to jump all year around in bigger airplanes. I did have a lot of fun and I am still able to enjoy a fairly comfortable retirement.
Watching your video today it hit me that I probably would not have had the freedom of doing all this in today's economy. Young people today must feel so financially insecure compared to my generation. We had so much room to mess it up and still come out of if just fine.
Take care of yourself.....I like your style.
You are so right. There are a lot more indulgences/temptations/extra expenses nowadays for people who are less aware of how damaging all these advertisements are that hit us fr every angle. Capitalism from greedy entrepreneurs has gone out of control so, yes, I think it's harder to save money nowadays. I feel sad for the young ones bc they are so easily manipulated and they can't realize that there's so much more to life than giving in to that overpriced luxury accessory, that worthless diamond ring, or anything just for show. People should work on deep-rooted insecurities rather than cover them up with shallow, temporary gratifications.
We are subjected to a lot of negative exposures but at least there are good ones, too---influencers like Nicole to spread awareness.
must be nice to be a boomer
So you're born in 1953, raised in the 50's & 60's as a kid all the way to the 70's I guess when you were an adult. I feel really bad for you folks. You guys didn't even have colored t.v's., Video game systems, Rotary phones, no cell, no internet, nothing of technology, crappy cars that sucked a lot of fuel, mom & pop shops because Walmarts & Amazon don't exist.... Heck Blockbuster video & things booming in the 90's didn't exist when you were a kid & even young adult.
Then for work, no direct deposit & had to go to the bank & wait in line & again a lot of mom & pop stuff.
@@tonyp9313 The average house had about 1,200 sf with 3 bedrooms. Today it is over 2,500sf for a 3 bedroom. XBox was called "outside", and we got our driver licenses at 16 - like immediately. If we wanted something, we worked and saved for it - credit was for the rich. Almost nobody saw a job at McDonalds as a career, but as a stepping stone. We were in better physical condition, because we had to ride a bike or walk everywhere (at least until 16). There were 3 channels of TV (4 if you got PBS), and everyone watched the same group of shows (FYI - the quality was generally higher). There was ONE TV in the house, and if you were the youngest you were the remote. Air travel? That was for the wealthier among us, and people dressed up to fly. Air conditioning was also for the wealthier folks, and if you had it it went into your parents room first (window rattler). We NEVER expected to have everything our parents had right off the bat - we worked and saved for it (again, credit wasn't a common thing for the working class). Not everyone was steered toward college then, many were steered toward the trades and HS shop classes actually prepared them.
I think the big difference today is expectations v realities. If you are grounded in financial thinking and as a person in general you will meet success. Thus, it has always been. I get tired of folks thinking Boomers had it easy. We didn't. Our expectations were different, and better grounded. I accept that times have changed, and I can point to several key things that happened in the 50s, 60s and 70s that caused the issues. A key point there though is WHO was in charge of the big companies then. Hint - it wasn't Boomers, but we were better prepared to deal with it.
Sorry, long rant. I just get a bit tired of being blamed for a bunch of shit that is fixable if you quit whining and do something to unfuck yourself.
Yes, it was terrible. You had to go into the bank and stores and talk to friends, neighbors, and people in the community. lol
Great advice! Ive always been good with money but I can’t help feeling that the system is set up so that the average person working for a pay cheque will never get ahead financially. It seems that the average middle class worker will always struggle to keep their head above water
Most ‘middle class’ buy new cars and go out to eat a lot so they ‘feel’ middle class. Cutting that out will save a lot of money.
Can we PLEASE stop saying things like, "The system is set up so that the average person can't get ahead...". Just stop. No. It's not "the system". The system is not out to get. you and the average person. It's about YOU and the daily decisions that YOU make. You're not poor or struggling because "this" person is in power, or "that" side of the aisle in congress. Life will not be better if only "they" were not there. Its YOU. It's not because eggs are so expensive and interest rates are so high. It's about you being financially literate. It's about you working hard, making hard choices, teaching yourself about personal finance, and making slow and steady progress. So tired of people always saying it's "The Man" and that's why they can't make any progress.
Ok but also a handful of billionaires are hoarding most of the wealth in the world and capitalism is designed to keep people struggling so they’re too burned out and busy to revolt.
@@AccordingtoNicoleHi Nicole, How many years did it take you to save for a house?
Oh yes, the ol´ "avocado toast" narrative....🤣🤣@@thetapheonix
My way of spending money is to always tell myself that I don't have it. What I currently have is off limits, except for necessities. So I tell myself if I want something that's not necessary I need to save up for it. If it's $1000 then I'll save at least $3000 before I spend $1000.
A retired Army coworker once gave me some great advice. Patience. Whatever your major purchase is, whether it be a repair or a purchase, do one thing at a time. Pay it off before doing another. And, build an emergency fund for the things that happen in between.
Agreed. And as for that person that's telling you "you deserve this today, just charge it", follow the money. Pretty good chance they want some of the money in your pocket to move to their pocket :)
I just cancelled 3 subscriptions which ate my money monthly. It's feels like miracle as usually you have to pay the going out fee, the months you got left, but I was given special gift and all cancelled without any fees as good gesture. Sometimes people just need to ask and usually the companies making their millions, so they are quite understanding.
I live on a disability income of $1100 a month, I'm debt FREE. I drive an 18 yr old car, and I've been on another NO SPEND year that I started on July 1 2022. I have been "no spending" now for so long that it has become second nature to me, n I don't see that ending, it really is easier than think.
Me too! I have a 20 year old car. Husband has 19 year old car!
I have a 2003 Town Car...I could get a newer vehicle, but with $26,000 of medical bills(after insurance), I'm about zapped...
Holy shit. I got serious nostalgia looking at you. 😢😢 I miss the early 90s 😢😢😢. Your hairstyle reminds me of those times.
I have been feeling depressed because I just got fired from my job. But your video helped me to see I am doing good financially because I have over 6 months of expenses saved up and I am getting unemployment so I will be fine until I get another job. I need to budget better so I can save more money.
I get bonuses at my main job. Bonuses for signing on clients, bonuses for good Google reviews, and money for mileage. Couldn’t be happier 😅. Beats working for myself and trying to find clients
As somebody who dug myself out of the payday loan debt slavery fueled by addiction, I can now proudly say I am addiction free, debt free and have 6x the basic emergency saving amount. I can definitely say even having a small emergency fund is a HUGE load off the mind.
Even if you can only save $20 a payday, just start saving something. You'll thank yourself later.
When I’m paying everything for cash, then I’m doing well. 🎉🎉🎉🎉
Greatest 'sleeper' TH-cam channel out there... love it
I agree with you 💯 percent,most people live paycheck to paycheck and I don't know how they can keep their head above water everyone needs a rainy day fund
This year 2023 is the first year Sue and I have been totally debt free and using a budget app to see where our money is going. Between money we put into our HISA and 401Ks we are saving 50% of our income. We have 10 months of expenses (FU money) in saving in our HISA. 7 years ago we were paycheck to paycheck, now on basically the same income we are saving 50% of our income. All this with the current inflation rates. We have gone from complaining that we need more money to saving 50% that means we are not spending money willy nilly. 5 years of no spend misery---now we keep most of our money.
Love the fact you have a record player, I live a relatively minimal lifestyle too, except for one thing- my 600 LP collection haha. I will always hold onto it!
Thanks for the pep talk, especially about telling people you can't afford something. The pressure to validate other people's spending choices can be intense, and a lot of us go along with it to reduce friction. I still constantly have to say no to friends who "just" want to go out for a beer or latte, which becomes beers and appetizers and full on restaurant tabs and quickie trips to a casino. I counter with "come on over, I have beer AND coffee and food and music" which works some of the time. Doesn't work for the people who want to be seen in choice public places or blow a wad gambling but then you know who really values your company.
It also helps to tell them there's something special you're saving up for, because some people just frown on frugality as a default like it's some kind of character defect, like you're just a downer person who is puritanically opposed to having fun. I value fun, but on my own terms, and that means that I have a nice vacation trip to look forward to that I have a realistic prospect of affording because I'm not buying overpriced beer and fried crap all year long. Whew.
Received a $250.00 bonus from my side job. Stocked up on food and toiletries.
Love this video. Me and my husband are definitely that type you describe "makes 50k and spends 30k" roughly, so we're pretty confident in our decisions but there is always room for improvement and making great moves with our money. I love the attitude you share here about driving your older car with pride, and so on. It's so good!
Ok 👍 I achieved all 8 signs here🙌!!! Keep your informative videos coming👍👍👍, Nicole!
I've just been through the second mass layoff by a major Fortune 500 company. American businesses are swapping out US citizens for foreign workers, to lower wages and labor costs. They've been doing it for over a decade. You can do nothing wrong, and they will sack you. So having multiple income sources is very important, as Nicole says. And frankly, I consider it an honor to be among the discharged. In an environment where your boss cannot do your job, you're always in danger.
Getting fired or laid off has always helped me despite, at the time, thinking that it has not helped me. The reason being that just changing jobs results in a huge salary increase.
One recent thing I did that has really helped my spending is to have 2 separate checking accounts. One for all basic bills and the second for all discretionary spending and savings. Because I want to save I clamp down on unnecessary spending.
😂 The middle finger to n@tflix! Love it! 🎉❤
I don't know where i went wrong. I guess because I've never had a "support system" ?? ..idk.
I'm 50 and FINALLY have a proper place to live after 10 yrs of couch surfing.
But I've worked so hard I've had a few total emotional & mental breakdowns.
Apparently it's called "autistic burnout" --when you can get "depression attacks" and even though i definitely was NOT unn-lifey, one day i suddenly (like a robot & against my will) almost did the deed!! WTF??!! scarey as hell. And i had no close friends to help.
I love your content.
But life has almost killed me.
Decades of survival mode has actually changed me, and NOT in a good way. Humans don't have infinite amounts of strength & energy!
If i died today, nobody will have known who i was. And it was such a waste of a life... working for food & shelter. Wow! Not. lol.
I ALWAYS used to be a very positive and a "can do" person.
I only have about 3 more decades left on earth. I reeeaaaallllly hope i get to know what it feels like to live instead of just survive.
❤
Our key family strategy has been to live with family or friends instead of solo, to save money on rent / mortgage. Some of us can even carpool to save on gas
I agree about financial literacy.
The points you make in this video as well as some others should be used in a high school course titled Life Skills or some such thing. Teaching about money, credit, retirement, wills, contracts, investments, budgeting, estates, mortgages, all the things we'll likely be faced with in a lifetime. I know I could have used it but I managed to figure most of it out along the way.
I like this girl. She gets direct to the issues and gives good advice
NICOLE, DOWN IN THE LOWER 48 WE ARE PAYING 22 PERCENT OF OUR TAKE HOME PAY FOR FOOD PER MONTH. MORE IMPORTANT THAN EVER TO SHOP AROUND. WALMART IS NOT ALWAYS THE BEST FOOD OPTION. HAPPY HOLIDAYS LET'S HOPE 24 WILL BE BETTER.
WHY ARE YOU YELLING?
@@AccordingtoNicole 😂
You are the most real person I have come across on youtube so far! You have such Wisdom and inspiration, I learned so much from your videos and I thank you!❤
Every year I buy stuff that is so bad but its all accounted for in my selling stuff on Marketplace that I pick up for free one way or another and repurpose what has value in it. It helps that I am almost a hermit to not over spend. This video made alot of sense!
When budgeting, round up your expenses and round down your income. Works for me anyway.
Also, have the right attitude. I think it was Marcus Aurelius who said "to feel wealthy, want less." You don't need to go hungry, just understand there is a difference between "need" and "want." Having taken lots of marketing classes I can honestly say that my professors would call me a heretic and never speak to me again if they knew that I said that, because a fundamental strategy of marketing is to blur the line between need and want. Don't let them tell you how to determine you needs.
Always look forward to new Nicole and Caleb videos. Glad you included Caleb with your video today. ❤
When you are in a type of insolvency, your practicioner won't allow you to hold savings. (UK, personal example. ) I can keep up to 10% if I have overtime, that doesn't happen very often. 19 months to go, I plan to double my car payment when my IVA is paid. Second income would have to be paid in to the IVA, so I don't bother. All of this made me learn the hard way, how to handle things correctly. Never going back to the old ways
I appreciate the Caleb Hammer clips🤣
I agree 👍 financial literacy is key. I learned a lot from a course I detested at university: Financial Accounting.
& you have a vinyl record player in the background
Great vid Nicole. Just to add to your comment on shopping around, I do it online all the time, it's so easy and a great feeling when you nail an item which you really need, and it can be half or less than another seller...example, I needed a good quality, high spec PTC Ceramic Fan Heater recently, cost on Amazon 114 $...found one on eBay 43 $ (which I bought brand new and exactly same brand and specs)
I would echo everything you proclaim in your video Nicole and it's a great feeling of self satisfaction to live thrifty and be able to put away the savings for a rainy day.
Thanks to your videos, I started my own TH-cam adventure (and you even had a look one time on my video's, leaving a comment and even responding to a personal email!) but I also learned a lot about financial stuff and the way I am budgeting right now! I'm from nature a big spender and I have a husband who is from nature a minimalist. He really owns only a keyboard and an amplifier and some clothes and shoes, and that's really it! So with me and my thousand and one hobby's; it's not easy to budget. Especially with our children. But now, during a couple of months, I threw out a lot of clutter (it's still not completely clutter free but I'm getting there) and it's feels so freeing. Every room in this house is breathing right now. Even downstairs. No hidden dump somewhere. It feels organized. And also I made the choice to live more intentionally. I have the luxury to live from my foodtruck which I started 6 years ago and now doing the whole TH-cam thing and trying to become a professional painter. I'm already selling my paintings! Now I cut down a lot of unnecessary expenses. I cook my own meals like you said. I take better care of myself (and so also my family). I try to consume less, and needing less money this way. I feel free as a bird and proud that I have my own income from my very own business with a 6 figures revenue. Not bad for someone who was tested with multiples mental disorders and an IQ lower than the average!
Great tips. I guess I'm better off than I thought.
FYI, if you want to keep your phone number, I know for a fact, Boost will make it very difficult. Very difficult. I watch this channel because there's always more to learn. One of the things I want to say is, when you're freaking out about a repair, it helps to take stock. First, is it that bad? A couple of winters ago, it go COLD here. I'm from up north, I'm cool, know how to handle this. Woke up, my kitchen was flooded. Of course, first thought was broken pipe. Freak freak. I called my pseudobrother, whom I thank the Cozmic Muffin for everyday, and he talked me down. It's okay. A little calmer? Go look now. And what I'd done was left the water dripping, but the pan under it had filled and overflowed onto the counter, then the floor. Not so bad. I stuck my foot through the. bedroom floor a few months back. That reaction was more, "Oh, shit." I have two accounts, one I use for bills and other spending, the other is the emergency account. Well, emergency account is pretty much gone now, but I have a solid floor. I put most of the money away any time I sell something, like refurbished furniture, or a fancy dress I made. Takes a while, but I had it when I needed it. With my regular income (social security retirement, totally unimpressive) I still put some of it away. My car is 10 years old, a little Hyundai, but it's what I need. I live in a mobile home, but my kids are grown, and have their own homes and families. I don't need a big home. Or a new one, for that matter. My idea of having it all is having what you want. A functional car, my home, My jewelry, such as it is, I got from Claire's or someplace like that. I do my own baking, dehydrate my own jerky, garlic powder, et al, can up fruits and veggies from my yard. In my mind, I have it all.
We got rid of cable tv and the wireless phone contained within the 'bundle' we had about 15 years ago. We now use antenna tv and an OOMA phone VOIP connection. Last I looked, we have reduced that cost by at least $100.00 per month. Doing some quick math, we have saved in the neighborhood of $18,000.00 over the past 15 years doing just this. We have only wireless internet which runs about $70.00 per month as of today. Things really add up over time!
Save as much as you can, & be very frugal.
Today when I left to buy soda, I came home to find theres a soda recall. Thats spooky. But it didnt effect Wisconsin's soda.
Hope Levi is a happy puppy this Christmas week
The thing hardest for me is the guilt over the slightest waste or mistake.....brings up memories of the old folks in the 1950s who anguished over every quarter and annoyed everybody around them.
I was told many charge hundreds or thousands online and keep it a secret from their spouses.....with me it's $5 and $10 mistakes. Since I hate buying cheap slave goods that really keeps me out of a lot!!!.
Yep,
I too am intentional with purchases. Like, so I really need this
Great video once again! I think that another sign that you're doing better than you think you are is if you always know exactly what to expect when a package arrives at your door. I used to have a coworker who would blindly order so many things online and send them to our workplace, and she usually had no idea what it was until she opened it. I've seen enough memes and reels on this to get the sense that this is pretty common thanks to Klarna, two-day shipping, the plethora of "sales" in November and December, etc.
My coworker orders junk from Temu. I refuse to shop on there. Right, @Nicole?! They can keep their trash
The Caleb Hammer clip OMG 😂😂😂
Phenomenal video. My partner & I watched together and couldn’t agree more with you. Also, this was the perfect financial pep talk we needed to hear around the holiday timeframe to get us focused again:) Keep it up, Nicole! Your videos are amazing and truly help people.
Having savings in the bank and telling yourself your broke is a strong mindset.
I have to agree 100% with this video. Use the KISS method, "Keep It Simple Stupid"
"We'll get you there, just chill" That knocked me out 😂
I used to be always in debt it doesn't matter what I do, until I discovered Dave Ramsey the baby steps and that has changed how I manage how I spend. Started to budgeting. Watching all things has to do with finance like this kind of videos. Now my debts are gone, I have an emergency fund and saved over 50k in the last couple years. I used to have zero save and deep in debts. One advice I wish I know since my first paycheck is PAY YOURSELF FIRST. That's how I was able to saved 50k the last couple years. If I knew this years ago I will probably a millionaire by now and I'm not joking.
But better to have started a couple years ago then to have not started at all. Investing is just like planting trees. The best time to start doing it was 20 years ago, the 2nd best time is today ;)
This month I am out if debt. And yes I did it following a plan I wrote down and then seriously followed.
Definitely need some tips on digging out of my hole. Don’t feel like saving when I have so much high interest credit card debt.
i like the stereo set too ;)
Yay!! Love to see art on your walls!! You totally deserve to see nice things in the house you worked so hard for. Glad to see you seizing the opportunity to spice things up!
I sold my soul to Corporate America but I also put the maximum I could in my 401K. In retirement I am actually living the life I want. Too bad that I waited so long to really enjoy life.
Better late than never.
I love this channel . Great content
Hiya Levi! Please tell Nicole that I enjoy her content and thank her for her insight and that I appreciate her immensely. I know she is a good human by all the ways she spoils and adores you - take care of her and yourself. You're the best dog. Texas sized pats and kisses.
You Rock Nicole. Been a big inspiration for me to get my finances in order. My day job barely pays the bills ... but I've decided I ain't living without savings any more!!! Some interesting side jobs coming my way lately as a result
Good video. It’s nice to see something encouraging as it’s so easy to think about what we haven’t done and overlook what we have done.
not doing as bad as i thought. i have a plan. debt free at the end of this year, will happen. flesh out emergency fund asap and 2nd stream of income by april 2023. great vieo. great advice. thanks!
I ❤️ you Nicole
Hi Nicole your videos have helped me so much. I'm a formerly shopaholic who chased instant gratification and started bingeing Dave Ramsey (which was not good) however only started doing better when I watched your videos. I can now say I am on the way to all of the signs you listed in this video
This video is very encouraging. Thank you.
Always helpful. Always non-judgemental. I love your videos!
Hi Nicole! It was nice seeing a positive video this time around! Lately I’ve had some pretty huge life changes. I think my next goal is to own my house completely in the next 5-7 years. I think I’m starting to realize that even if my bf and I were to get married in the next few years I want my house to be my asset. I want to fully have the piece of mind that if the relationship doesn’t work out it’ll still be my home. I’m not really sure how all the details will work out but I’m thinking definitely talking to a lawyer before I ever sign a piece of paper. Or maybe not getting married at all 😂 not really sure!
Having a plan, and presenting that plan which is optimal for both the prospective higher up, (we all have a boss) and yourself is peak to successful financial gain to both parties. Know what you’re doing, and stay the course.
watching on the 1st of January, and feel like my 2024 has already been a success!
Thanks for that! I do most of those things and sometimes feel deprived in comparison to my friends but they don’t have a problem with debt and for me debt is so untenable! It makes me so uncomfortable. I am retired and watch my money closely. I don’t want to work at this stage of my life so I have to know where every dollar is going. I use the every dollar app which is so helpful. I am glad I found your channel. I know you are young but would love to see some content for retired persons. I am lucky to have a great pension.
Love your videos, thanks!
I’m disabled, on social security, debt free and several thousand in the bank. Most of you could do it too, but you probably wouldn’t want to live where I live and drive what I drive.
ur videos never disapoint me, madam dog
My brother is always invited for drinks by his old girlfriends ( who he never makes) but he has to buy.
As always, I think today's video was great. I just get mesmerized by you. I read most of the comments, and I get the feeling that most of your audience is past 40. Never too late to have a good financial plan, but I've been trying to spread the news to as many young people as I can. They really need the advice. Where was Levi?
Don’t know. He goes where he wants and does what he wants when he wants. I just pay the bills.
Thanks, Nicole!👍
Hey, I use Mint Mobile. I pay by the year, so it's like $15/month. Good deal and they have good phones deals, even though I'm rocking a 5 year old iPhone 11.
I love watching this video and seeing the adverts TH-cam pushes me, for things like overpriced whiskey glasses, when I know Nicole would drink her whiskey from an old mason jar.
I don’t drink whiskey 🤮
Hi Nicole Great video, great advice. If Mint Mobile is available here in the UK, then i'll sign up for sure,
lol, I love that you'd wish multiple jobs on your worst enemy! Me too!
Thanks for sharing each and every video Nicole!
Love these types of videos as a reminder, thank you! ❤
Thanks Nicole, your videos speak to me and motivate me
Awesome video! I feel like I am doing better than I ever had :)
good video; keep tghemconing and happy new year
I have 6.000 set aside and i can tell you, that gives you a lot more peace of mind.
Thank you Nicole. I really enjoy the videos.
because i am frugal person, I feel very much like i am in the minority.
its like nobody else cares OR everyone thinks that you are wrong, even when you are proven more successful than them.
Ok, but I need those "other people". I want corporations to grow, I want corporations to make money. If corporation make money the stock grows and they pay dividends. I want poor people to share their money with me!
💥💯 All great advice that I actually have been following myself for years.
Every purchase is a decision. Not thinking about that purchase is a decision. Buy everything you need, some of what you need, and save and plan for everything else. Learn to live below your means.
Thank You for a more positive video!! Merry Christmas 🎄!!
Hey Nicole. I just wanted to share I have achieved a personal financial goal today! I saved $100,000 dollars! Woot Woot! I immediately invested it in an 11 month cd with a 5.5% interest rate :). Maybe I'm sharing too much but I am really excited. I've never made more than 50k a year and I was able to reach my goal. A lot of the things you talk about on your channel and the way you live I have done most of my adult life. Thanks for all your knowledge and advice. Keep making videos.
Wealth not equaling become has hit me recently.
I have a friend who makes 3x my income, owns a home, travels lots, Has brand name and fancy things.
But she’s 30k in credit card debt, car debt, student loans, over drawn, and worried about refinancing her mortgage next year….
Where as I am consumer debt free, will pay off my car this year, have paid down my student loans, have half an emergency fund, and retirement. So in a few years I’ll be in a much more secure place than her.
Im so sick of in video ads. I got premium for a reason
Thank you. 🌼
Van repairs over 1k, hopefully my truck isn't too screwed up Auto thieves tried to steal it from a shop Goodyear denying responsibility however corporate Goodyear certainly is taking it seriously. But I'm not broke and my bills are paid. Covered a neighbor for 500 is working on the van when he was short on rent, another friend for 350 after she shattered her leg.
Fabulous advice! I was always bad with money, but I always had a an emergency fund. Wages down and inflation up is not true in the US. Now I will have to trust you about Canada, but there is a huge perception problem here in the US. Look at your governmental page looking at GDP, stock, and prices for usual purchases. You're the best.
Inflation numbers are manipulated in US, it excludes gas and groceries. Same goes with jobs numbers but go ahead and trust government numbers. Groceries are up 50% since 2020 along with gas not to mention insurance rates. Wages are up but not close to real inflation.
Hey Brian thanks for the new numbers. However I do not think that the numbers are manipulated and I don't think gas is excluded. Why would it be since it reflects a serious downward turn in price? BUT, before you get annoyed please let me look into it. If you have sources please let me know, I would love to read it because it seems to me, given your reply that accuracy is important to you. Me too. Let me know if you wish.@@BrianK-zz4fk
I just checked the CPI numbers and gas and food is included in that index also we are at roughly 3.5% inlation. It takes roughly 4-6 months for that to catch up to actual spending power. The economy by all measures is doing well. @@BrianK-zz4fk
thanks this video helped me know that I am in the top 50% and the USA . being poor I had to gain the skills on knowing how to cut things back, and go with out . learned the value of of a penny saved is a penny earned lol. a cupule of years ago I started walking around and colleting cans and turning that money into sliver , yes real sliver and this is my side gig. my part time job is in dong handy man stuff or concretion,. there is no more middle class any more , just poor or rich .
any ways I get by and live in a house that my mom left me after she passed away 5 years ago and it is payed off so many cost of living is not bad . you helped me realize not just to settle on greeting by and steeping it up and doing more . feel like I had some kind pf programming on not wanting more for myself then to just get by on what I have , thanks for giving me
something new to work on.
I really enjoyed your video!!
NB * PEOPLE ,....I found a money saving loophole for people in Canada or winter climates.I research everything and found that physics says that tires are safe for 6 years and then they lose 10% safety ( EVERY YEAR ) nd blow out after 6 years. Two sets of tires winters and summer is stupid and bothersome and about $ 1,600. extra if you count the 2nd rims and tire changing appointments twice a year.I went to Bracebridge north of Toronto to " KAL TIRE " a chain in Cananda since 1964.They have these excellent rugged Alterian tires from Japan for $ 233.00 a tire. A KO2 or KO3 Alterian is about twice the price and my KAL alterrain tires are very quiet, good in ice and snow, have the snow flake for insurance discounts in car insurance.
Next I buy a water tank for the home to benefit $ 3,000. over 15 years.
Aussies are never gonna live down that "900 dollarey doo's" guy....
Thanks a lot Sam Simon 😂
TOBIIIIIIIASSSSS
Was that the kids name?
😂
Been a while since i brushed up on my simpsons general knowledge..... i kinda remember the kid having to run 200 miles to get to the neighbours house to ask about toilet flush direction 😂