Food-related for me. Whether it be overspending on groceries that I never eat or eating out too frequently. That's where I get hammered every month and that is the one area I've always struggled with.
If you all watch Kate Kayden remember gift cards are still in play. You didn't spend that money, the business already has it. You may as well take advantage of it
I like to spend money for friends and invite them to something because I know they'd do the same for me. However, in my opinion there is a difference between being genuinely generous and just spending money unnecessarily.
I'm super generous, except with myself. I have no friends or any close relationship at all, and as much as I detest the loneliness, I am glad I'm not spending like I did years ago.
For January, I will not dine out, shop for clothing or buy a lot of food. Instead, I will eat everything in my freezer, refrigerator and pantry. (Let’s see how that goes.). Happy New Year, Austin!
Or you just find someone who doesn't mind paying your bills. I can't remember when I bought a drink to anyone but myself and so far none of my friends ditched me.
One of my goals is to stop wasting food. I’m going to put a container in my fridge where I put all leftovers, and I will go to that first before I use other food. Small, but it’s something I need to do.
Remember when we were kids, and we were out and saw a restaurant and asked mom to take us there and she'd reply "We have food at home"? Now we understand, don't we?
We would eat out one a month as a family and we always joke about my dad telling the waitor, "Water for everyone." You save like $20 on a table just by not getting soda.
Our one big treat in the 1950s was 5 hamburgers for $1. There were 5 of us, so even Dad ate only one. Then we’d go to a drive-in movie (carload for $1) and have snacks Mom had made at home, usually popcorn and Kool-Aid. Fun family time!
12:04 I love this portion, and it’s something I’ve learned over the years with doing my own January challenges. My main goal for January is “don’t eat out”. But I do have exceptions and “deals” with myself. I allow myself to eat out if it’s with friends/family I haven’t seen in a while or a special event (weddings/birthdays/etc). And while I try to use up what’s in my pantry, I find it best to buy groceries that I KNOW I want to eat, even if that means buying some unhealthy food. Having a bag of frozen fries in my house for example is a motivator to stop me from buying McDonald’s, and it’s much cheaper.
It's amazing how history keeps repeating itself, and the urgency to prepare is definitely real! Investing can be the best decision of your financial life. This 2025, I'm all in for the bullrun.
6 days into January and I’m doing great and feeling great! I’ve even been cleaning out my pantry and freezer and making meals with what we already have. I’ve been spending my free time decluttering my house and I am grateful to already have the things that I need.
Two days in to my low spend for January and so far I’ve paid rent, got groceries for my home, replaced my dog’s toy basket because his was broken, and spent a gift card I had for a new sweater!
I am doing a no spend januari and a low-only if i truly need it- rest of my life. I am sick and tiered of not having anything left before the end of the month, stress about bills/finances, having sleeess night and a house cluttered up of stuff i actually dont ned and get rid of later and therefore seeing my money leaving my house
Here’s how I curbed my spending & increased my gratitude. Each month I matched my spending by category to a charity. Spent $100 dining out? Make a $100 donation to the food bank. If I can eat out, others should be able to just eat. Bought a new sweater or purse? Match the amount to a battered women’s shelter, they can use new clothes after fleeing violence. Went on vacation? Match it dollar for dollar to a homeless shelter. If I can afford to sleep AWAY FROM HOME, someone else should have a safe place to stay. What I learned was gratitude for how much I have. I also thought harder about spending bc it meant I’d basically pay double for that sweater or meal, did I want it THAT badly? And, it ramped up my charitable giving by making it happen every month when I could tie it to my actual abundance, instead of waiting til year end when I might feel miserly about matching that same $6000 I spent over the year dining out (yep, at $500/mi, which is easy to do - that’s $6k!) It only took a couple months to get this habit down and totally changed how I spend, how I give & how lucky I feel about my life.
I'm in massive debt right now and can't pay my bills til the last minute (or have to dip into what "savings" are left). I've knocked out a LOT of other expenses the past few months in hopes of at least cutting off the leaky faucet until I can get another job that pays better. Even if that other job materialized today, it will take a LONG time to get to some point where I have flexible spending again. These tips will help me keep on track to get out of debt and my goals. I'm a simple person at heart and don't need to live like a flashy millionaire, but I've made a lot of bad impulse buys and choices over the years & need to focus on the things I already have instead of getting new stuff or hobbies.
Every year I will try to extend the No-Spend Challenge to the end of March. Been doing this the last 3 years with great success. Stocked-up on food & supplies in November & December, weather is very cold where I live and is very slippery outside (high risk of falling), so being retired, it's a good time to go into the hibernation/hands-in-the-pocket mode. The money I save gets divided up and goes to paying off debt, increasing investment income and spending money for my yearly trip. All are great motivators when you are depriving yourself while others are spending!
Thank you for the encouragement. I decided to try a no spend January about a week ago. I even made a big bold note on my desk that says NO SPEND JANUARY to remind me. I already did some of what you suggested like stocking up on paper towels and other items I use daily while they were on sale. I got all my shelter and transportation expenses paid up for the month. I got what I think should be enough cash to get me through. I’m hoping this will help me build good habits.
I started in December to save for Christmas. I Deleted Amazon and restaurant aps, canceled every paid streaming service, canceled door dash (😢). Kept walmart+ because its paid for. Still had plenty to watch on free services, i didnt starve, i even had groceries delivered (saves me from impulse buying). I am NOT watching youtube commercials, so that is my splurge😂
Every month and every holiday is designed to spend. January: Home improvement February: Valentines March: St. Patricks Day April: Easter May: Memorial day June: LGBT and Juneteenth July: 4th July August: Back to school September: Labor day October: Halloween November: Thanksgiving December: Christmas The system is designed to squeeze every dime and penny out of us.
Real talk: I always underestimate how much I spend on small stuff-$5 coffee here, a $2 snack there. By the end of the month, I’ve saved a whole month’s rent!
We lost nearly everything in the 3 hurricanes we recently had. I only have the clothes for our super super hot summer, heat indexes were 115, we lost siding on every side of our house and our hurricane shutters were ripped off and found 4 streets away. The flooding is what did it for us, twice. We had to rack up our credit cards and we must get out of debt.
My exception to these tips this year, is that rather than ‘using up what is in my pantry’ I am actively stocking up on non-perishable food. I am expecting food prices to rise quite a bit if Tariffs actually do happen, so I am SAVING money long term by stocking up ahead of time. Dry goods, canned goods, spices, olive & coconut oil, paper goods, toiletries, etc. These are all essential items that will get used up eventually. The first part of January 2025 is the threshold to buy them before possible tariffs are enacted.
The library has a lot of great dvds and blue rays including tv shows/movies/ documentaries not to mention all the books all for free. The library has been my ally when it come to entertainment.
Thank you Austin, I truly appreciate your advice…and your videos. I’ll have to listen to you more often. Probably on a daily base in the beginning…😉…THANK YOU ❤
I knew I had overspent on gifting for 2024 (deliberately for good reasons), so I audited my on-line orders and put the figures into my financial journal. I did so in order to see where I could cut down. This is the strategy I came up with when I created my 2025 no spend year budget. I listed all the people I needed to have birthday presents for, Christmas presents for, and how much for charity. I created a list of people (21) I need to buy for birthdays & Christmas. I separated each in order, with columns:name, gift, reg price, price I paid, amount saved and will keep record as I purchase. I have already implemented my spending plan. I took stock of gifts I had purchased, recorded them in my journal, created revised list & did some boxing day shopping. This weekend, I will be picking up on sale 3 more gifts, leaving me with only 3 birthday presents and 2 Christmas presents left to buy for in 2025. Once I pick up those gifts I will have only spent $288.04 CAD ($200 US) which is within my budget of $500/year CAD ($348 US) =$425 for gifts & $75 for charity. Then I know I have only 5 presents left to buy and for who. I will record further purchases to prevent overspending. This one part of my no spend strategy that has worked in past years.
Best way to deal with it is to avoid going to stores and stop looking online. And I agree that this holiday season is exhausting- I am thankful for no more parties to plan for or go to. I love that you want people to track their spending, but it will add more time and stress to my life. I dont need to see the numbers to know that I am going in the right direction…
No spend 2025 is what I need LOL 😅 I am doing no spend January though, I’m only 4 days in and it’s hard, I keep opening Amazon and closing it. I don’t even need anything 😢 I hope this year I can learn how to properly spend and save.
I failed my No Spend January. It was the crippling loneliness and boredom that got me lol. I didnt spend for the first 3 weeks, but by the end of the month, I went on a binge. At the beginning of January, I moved to a small town where I don't know anyone except for the people at my work. It's also extremely cold so I couldn't go on long walks like I planned (didn't bring my car). Oh sure, I have plenty of hobbies but... I'm a city girl at heart. Not used to all this quiet. So, all in all, it's been a wild ride. I'm going to try again in February but, as you can see since I'm writing my whole ass life story in a RUclips comment section lmao, I'm going to have to do something about the loneliness and FOMO. These No Spend Challenges are not just a physical journey, but a highly spiritual one I'm finding.
love the idea of taking advantage of the natural desire to hibernate this month! Thanks for your work, and Happy, Healthy and Prosperous New Year to you and us all!
Thank you, Austin! Great tips to stay away of spending money like crazy. 👍 I love the tip of using everything what we have in our food pantry. We will save money 💰 Happy new year everyone. 🎉
I have a tip, which I am trying to use to pay down my credit card. Instead of outright buying absolutely nothing. I did the subscription reset and put $300 on a prepaid credit card. Thus now I am able to keep the subscriptions I want, plus I have a budget of $250 to spend on random stuff of I want, while also paying down my credit card. I found myself in a loop of paying $1000 to my cc in a month and putting like $700 on it again by the time the next pay rolled around. Hopefully now, basically doing a budgeted cc, it'll help shape my spending habit while paying down debt and not feeling like I am depriving myself.
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Charlotte Miller.
I'm celebrating a $30k stock portfolio today. started this journey with 6k. I have invested on time and also with the right terms now I have time for my family and the life ahead of me
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
Let's hope we can cross that mark this year! I felt a bit exhausted by last July after 2 years of 2 videos a week and moved down, but now I feel very refreshed for 2025!
Yeah, good idea. I only spend on rent and on my business anyway, and I ran out of money a few days ago. I will have over $1000 revenue from my business this month, but I'm just going to let it sit until Feb. I need the mental rest.
The best mindset to begin the New Year, one day at a time, ty. This motivational video well needed, better than others, ty. Needing the day to day accountability. You are leading by example. Having a gratitude mindset, accountability and videos like yours, ty. Happy and blessed 2025👏
So far I'm doing good, approaching retirement with about 800k in savings. Transitioning from building wealth to spending can be scary, especially with soaring inflation. My question is, after maxing out my tax-advantaged retirement accounts, what next?
in my opinion, some financial situations can be handled on your own if you research enough, while others are best navigated in consultation with a financial advisor
Agreed, the role of advisors can only be overlooked but not denied. I was shocked that I made more money with investing than hard work, not even my CEO income. Earning ''return on investment'' fetched me millions within a space of 5 yrs.(But I still enjoy working)
sounds great! i've never utilized a financial advisor but enthused about making money from the stock market, could you be kind enough with info of the advisor guiding you please? I could really use some guidance
Personally, I've stuck with Melissa Terri Swayne and her performance has been consistently impressive. You can confirm her basic info on the internet, she's quite known in her field with over 15yrs of experience.
Thank you for the information. I conducted my own research on. google and your advisor appears to be highly skilled and knowledgeable. I've sent her an email and arranged a phone call. Her expertise is impressive, and I'm eagerly anticipating our conversation.
I think it could be helpful as long as it’s stuff you need. If you buy those items before your No Buy period you won’t be tempted to buy other crap you don’t need.
"What you are allowed to replace" makes me think of a washing machine, a fridge, an oven, etc. You can't restock those. The benifit of deprivation is an excellent point.
I have limited me "no spend" January to physical (or digital) items that are unnecessary and only focus on food, hygenic products if really needed or meds. I will still grand myself spendings for enjoyment like going out for dinner or the cinema every once in a while but still paying attention to the spendings at those events. E.g. not buying expensive snacks or having extra desserts. Besides I only do each of those like once or max. twice a month anyway. I am very curious how much money I am going to save. Additionally, I have an extra project where I plan my meals for a whole week and only go to the grocery store once a week (or twice but only if I need fresh veggies or fruit). Before I used to go several times a week even when my fridge was full but my cravings wanted something else I would just go buy it. This way I want to eat healthier and save time and money.
When grocery shopping and am checking out the snacks I use the vending machine as my guide. Sure $4 is a lot to spend on snacks by the box (6 to 10). But the vending machine offers the same snack for $1.25 to $1.75 ea. and the expiration date is tomorrow. I noticed the vending price increased when the Thrift Store for baked goods shut down.
Happy New Year, Austin! I am already going to do the no spend month. Great idea! Can we see a new apartment tour soon? Hope so! Give Star a hug from me!
First thing I. Going to do is cancel Amazon Prime. We rarely watch anything on Prime, and no delivery/return fees is a big temptation to buy non-essentials.
We focus to much on what we dont have, we have to learn to focus on all we have.we have things we wished for before,we should be grateful for that,not everyone has that privilege.
I adopted frugality to gain more freedom and given my circumstances i could say im halfway there i can work in what i love but...im struggling with the mental aspect of it.
@ElAgustin do a video on grocery shopping, myself I do a carnivore diet for health reasons, but my family does not, I don’t buy anything already besides groceries but I’m spending 40, 50, 60 dollars a day on groceries, and that’s just mostly dinner. And maybe normal other things you would get at the store like toilet paper tin foil, condiments etc.
Is this an endorsement for squid game? 🤣jk. I'm doing the challenge but also mainly books(most of my money last year went to buying a ton of books) This year is for reading them 😇
![Seungmin "그렇게, 천천히, 우리(As we are)" | [Stray Kids : SKZ-PLAYER]](http://i.ytimg.com/vi/kAzmhLHePqU/mqdefault.jpg)
What's one bad habit you want to stop doing in 2025?
Not tracking my expense. Very guilt tripping 😂
@@ThinkingJamesuse one card for everything. You probably have maximum 3 things you can’t buy with a card. Problem solved
Buying too many clothes.
I am working on being more mindful of where I spend my money. Your channel has been a real help to me.❤️😻🐈⬛🐈💕
Food-related for me. Whether it be overspending on groceries that I never eat or eating out too frequently. That's where I get hammered every month and that is the one area I've always struggled with.
I consider myself a generous person, but I am so tired of spending money! Bring on no spend January❤❤❤
Same here😂
Same!😅
If you all watch Kate Kayden remember gift cards are still in play. You didn't spend that money, the business already has it. You may as well take advantage of it
I like to spend money for friends and invite them to something because I know they'd do the same for me. However, in my opinion there is a difference between being genuinely generous and just spending money unnecessarily.
Hibernation month! I love that!
I'm doing a no spend January and Feb .I take lunch to work every day, I make coffee at home all time time.
FIGHT to keep your money from the corporations who try to tempt you to give it away to them!!!
Good thing I have no friends and cheap so no stress for me in these holidays 😊
I'm super generous, except with myself. I have no friends or any close relationship at all, and as much as I detest the loneliness, I am glad I'm not spending like I did years ago.
Eating thru pantry and freezer in January!
For January, I will not dine out, shop for clothing or buy a lot of food. Instead, I will eat everything in my freezer, refrigerator and pantry. (Let’s see how that goes.). Happy New Year, Austin!
Good Idea. I'm planning to do the same. Good Luck!
Me too!
Smart girl!!
Or you just find someone who doesn't mind paying your bills. I can't remember when I bought a drink to anyone but myself and so far none of my friends ditched me.
I do this pretty regularly. I have a small stock of food for the Apocalypse which I will rotate during fridge/pantry challenges.
One of my goals is to stop wasting food. I’m going to put a container in my fridge where I put all leftovers, and I will go to that first before I use other food. Small, but it’s something I need to do.
Good idea! Our leftovers seem to end up pushed to the back and forgotten.
Good intention and the best of luck❤
Remember when we were kids, and we were out and saw a restaurant and asked mom to take us there and she'd reply "We have food at home"? Now we understand, don't we?
We would eat out one a month as a family and we always joke about my dad telling the waitor, "Water for everyone." You save like $20 on a table just by not getting soda.
Our one big treat in the 1950s was 5 hamburgers for $1. There were 5 of us, so even Dad ate only one. Then we’d go to a drive-in movie (carload for $1) and have snacks Mom had made at home, usually popcorn and Kool-Aid. Fun family time!
12:04 I love this portion, and it’s something I’ve learned over the years with doing my own January challenges. My main goal for January is “don’t eat out”. But I do have exceptions and “deals” with myself. I allow myself to eat out if it’s with friends/family I haven’t seen in a while or a special event (weddings/birthdays/etc). And while I try to use up what’s in my pantry, I find it best to buy groceries that I KNOW I want to eat, even if that means buying some unhealthy food. Having a bag of frozen fries in my house for example is a motivator to stop me from buying McDonald’s, and it’s much cheaper.
It's amazing how history keeps repeating itself, and the urgency to prepare is definitely real! Investing can be the best decision of your financial life. This 2025, I'm all in for the bullrun.
6 days into January and I’m doing great and feeling great! I’ve even been cleaning out my pantry and freezer and making meals with what we already have. I’ve been spending my free time decluttering my house and I am grateful to already have the things that I need.
Two days in to my low spend for January and so far I’ve paid rent, got groceries for my home, replaced my dog’s toy basket because his was broken, and spent a gift card I had for a new sweater!
Keep going you are doing superb! I need to get on track.. asking for prayers ❤️
I am doing a no spend januari and a low-only if i truly need it- rest of my life. I am sick and tiered of not having anything left before the end of the month, stress about bills/finances, having sleeess night and a house cluttered up of stuff i actually dont ned and get rid of later and therefore seeing my money leaving my house
Here’s how I curbed my spending & increased my gratitude. Each month I matched my spending by category to a charity. Spent $100 dining out? Make a $100 donation to the food bank. If I can eat out, others should be able to just eat. Bought a new sweater or purse? Match the amount to a battered women’s shelter, they can use new clothes after fleeing violence. Went on vacation? Match it dollar for dollar to a homeless shelter. If I can afford to sleep AWAY FROM HOME, someone else should have a safe place to stay.
What I learned was gratitude for how much I have. I also thought harder about spending bc it meant I’d basically pay double for that sweater or meal, did I want it THAT badly? And, it ramped up my charitable giving by making it happen every month when I could tie it to my actual abundance, instead of waiting til year end when I might feel miserly about matching that same $6000 I spent over the year dining out (yep, at $500/mi, which is easy to do - that’s $6k!)
It only took a couple months to get this habit down and totally changed how I spend, how I give & how lucky I feel about my life.
Love this
That is absolutely incredible!!
I'm in massive debt right now and can't pay my bills til the last minute (or have to dip into what "savings" are left). I've knocked out a LOT of other expenses the past few months in hopes of at least cutting off the leaky faucet until I can get another job that pays better. Even if that other job materialized today, it will take a LONG time to get to some point where I have flexible spending again. These tips will help me keep on track to get out of debt and my goals. I'm a simple person at heart and don't need to live like a flashy millionaire, but I've made a lot of bad impulse buys and choices over the years & need to focus on the things I already have instead of getting new stuff or hobbies.
Stay strong and stay the course❤
Every year I will try to extend the No-Spend Challenge to the end of March. Been doing this the last 3 years with great success.
Stocked-up on food & supplies in November & December, weather is very cold where I live and is very slippery outside (high risk of falling), so being retired, it's a good time to go into the hibernation/hands-in-the-pocket mode.
The money I save gets divided up and goes to paying off debt, increasing investment income and spending money for my yearly trip.
All are great motivators when you are depriving yourself while others are spending!
Thank you for the encouragement. I decided to try a no spend January about a week ago. I even made a big bold note on my desk that says NO SPEND JANUARY to remind me. I already did some of what you suggested like stocking up on paper towels and other items I use daily while they were on sale. I got all my shelter and transportation expenses paid up for the month. I got what I think should be enough cash to get me through. I’m hoping this will help me build good habits.
I started in December to save for Christmas. I Deleted Amazon and restaurant aps, canceled every paid streaming service, canceled door dash (😢). Kept walmart+ because its paid for. Still had plenty to watch on free services, i didnt starve, i even had groceries delivered (saves me from impulse buying). I am NOT watching youtube commercials, so that is my splurge😂
RUclips premium is worth the money. Honestly the only streaming service i have..canceled audible also.
Every month and every holiday is designed to spend.
January: Home improvement
February: Valentines
March: St. Patricks Day
April: Easter
May: Memorial day
June: LGBT and Juneteenth
July: 4th July
August: Back to school
September: Labor day
October: Halloween
November: Thanksgiving
December: Christmas
The system is designed to squeeze every dime and penny out of us.
Don't forget mother's days ,anniversaries birthdays retirement party's. Ect ect
This whole concept is funny. People buy a bunch of stuff to stock up then " no spend" in January. Probably the net spending is the same.
Real talk: I always underestimate how much I spend on small stuff-$5 coffee here, a $2 snack there. By the end of the month, I’ve saved a whole month’s rent!
We lost nearly everything in the 3 hurricanes we recently had. I only have the clothes for our super super hot summer, heat indexes were 115, we lost siding on every side of our house and our hurricane shutters were ripped off and found 4 streets away. The flooding is what did it for us, twice. We had to rack up our credit cards and we must get out of debt.
Stay stong
I pray for you and your family and hope you have a speedy recovery! 🙏
Sheesh, hopefully you recover and can eventually move. Sounds like a bad place to be
I'm so sorry for what you've gone through/ are going through. Best wishes to you and your family!
Consider moving to a more weather stable area. It's usually cheaper too to live there.
My exception to these tips this year, is that rather than ‘using up what is in my pantry’ I am actively stocking up on non-perishable food. I am expecting food prices to rise quite a bit if Tariffs actually do happen, so I am SAVING money long term by stocking up ahead of time.
Dry goods, canned goods, spices, olive & coconut oil, paper goods, toiletries, etc.
These are all essential items that will get used up eventually. The first part of January 2025 is the threshold to buy them before possible tariffs are enacted.
Definitely been doing this for several years. It’s a great way to reassess your spending habits, see what worked well and pay off any holiday debt
Muchas gracias por los buenos consejos😃
Feliz año 2025🎉
The library has a lot of great dvds and blue rays including tv shows/movies/ documentaries not to mention all the books all for free.
The library has been my ally when it come to entertainment.
I am glad happy content with my lifestyle. I already cut out all. I am already doing all I can. I just need to keep up.
We started 3 month of No Spend in December 2024. It's amazing!
Awesome tips for No Spend January! Super practical and easy to follow-thanks for sharing!
You are sooo right!!! Starting witj Haloween it is such an exhausting time of the year
I’m sorry but the ‘don’t be too extreme’ advice is honestly the best part of this video 😂
I raise you with the 'clean out your panties' part
I feel like it's time to pause buying clothes and subscriptions for me. Love your sense of humor, eres el mejor 👍
Gracias!
Thank you Austin, I truly appreciate your advice…and your videos. I’ll have to listen to you more often. Probably on a daily base in the beginning…😉…THANK YOU ❤
Also, enjoyed hearing about the 'unusual' meals we can come up with : pantry challenge.
So glad I dont have these problems. Not seen anybody in December, not bought anything except for food.
Happy New Year Everyone 🥂🥳
Happy New Year! 🎉
About to get rid of my Amazon app👏🏼
Happy 2025🎉
I knew I had overspent on gifting for 2024 (deliberately for good reasons), so I audited my on-line orders and put the figures into my financial journal. I did so in order to see where I could cut down. This is the strategy I came up with when I created my 2025 no spend year budget. I listed all the people I needed to have birthday presents for, Christmas presents for, and how much for charity. I created a list of people (21) I need to buy for birthdays & Christmas. I separated each in order, with columns:name, gift, reg price, price I paid, amount saved and will keep record as I purchase. I have already implemented my spending plan. I took stock of gifts I had purchased, recorded them in my journal, created revised list & did some boxing day shopping. This weekend, I will be picking up on sale 3 more gifts, leaving me with only 3 birthday presents and 2 Christmas presents left to buy for in 2025. Once I pick up those gifts I will have only spent $288.04 CAD ($200 US) which is within my budget of $500/year CAD ($348 US) =$425 for gifts & $75 for charity. Then I know I have only 5 presents left to buy and for who. I will record further purchases to prevent overspending. This one part of my no spend strategy that has worked in past years.
I tried to commit to no spend and its already been eye opening and it is day 2!!!!
Best way to deal with it is to avoid going to stores and stop looking online.
And I agree that this holiday season is exhausting- I am thankful for no more parties to plan for or go to.
I love that you want people to track their spending, but it will add more time and stress to my life.
I dont need to see the numbers to know that I am going in the right direction…
Deleting shopping apps on phone helps to get off from crap things at home in 2025, do it now. No more online shops🎉
Done ty
Yesss i should do it with klarna 😬
And delete the user/password details from browser otherwise you use website rather than app
I am going for a no spend 2025….( particularly buying home duckorations) Really looking forward to it…😃👌🏽.
Ready, set, go. I am in!
The pantry (panty) reference! 😂😂
Definitely not my only takeaway from this video, but it made me laugh.
Yeah I had to back it up and listen to it twice... It was exactly what I thought I heard! It was a little weird but I figured it was a mistake.😂
lol. These are the things I think abut when I'm sitting at the camera recording.
I had to listen to that part again 😂 Did I hear that right?
I kinda cringed but I'm not in a silly mood today so that's a me thing.😂
Going to start “no buy” beginning Feb. Bought/buying very few necessities this month.
Love the lesson on Deprivation. So very true. Thank You. And, God Bless You-- greatly 🙏 in 2025.
Happy new year. Thank you.
No spend 2025 is what I need LOL 😅 I am doing no spend January though, I’m only 4 days in and it’s hard, I keep opening Amazon and closing it. I don’t even need anything 😢 I hope this year I can learn how to properly spend and save.
The fact that nobody talks about the book Forbidden Money Behind Closed Doors talks about how people attract money
Gas (as needed), food (shop on Sunday for the week), bills.
First day today,I’m anxious 😬 but I’m going through it I’m not stopping.
I failed my No Spend January. It was the crippling loneliness and boredom that got me lol. I didnt spend for the first 3 weeks, but by the end of the month, I went on a binge. At the beginning of January, I moved to a small town where I don't know anyone except for the people at my work. It's also extremely cold so I couldn't go on long walks like I planned (didn't bring my car). Oh sure, I have plenty of hobbies but... I'm a city girl at heart. Not used to all this quiet. So, all in all, it's been a wild ride. I'm going to try again in February but, as you can see since I'm writing my whole ass life story in a RUclips comment section lmao, I'm going to have to do something about the loneliness and FOMO. These No Spend Challenges are not just a physical journey, but a highly spiritual one I'm finding.
Deleting shopping apps helps me so much. Out of sight out of mind.
love the idea of taking advantage of the natural desire to hibernate this month! Thanks for your work, and Happy, Healthy and Prosperous New Year to you and us all!
Thank you, Austin! Great tips to stay away of spending money like crazy. 👍
I love the tip of using everything what we have in our food pantry.
We will save money 💰
Happy new year everyone. 🎉
Hey really enjoy this video got me wanting to get my creative juices flow and keep up with the great work and stay positive on this RUclips journey
I have a tip, which I am trying to use to pay down my credit card. Instead of outright buying absolutely nothing. I did the subscription reset and put $300 on a prepaid credit card. Thus now I am able to keep the subscriptions I want, plus I have a budget of $250 to spend on random stuff of I want, while also paying down my credit card. I found myself in a loop of paying $1000 to my cc in a month and putting like $700 on it again by the time the next pay rolled around. Hopefully now, basically doing a budgeted cc, it'll help shape my spending habit while paying down debt and not feeling like I am depriving myself.
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Charlotte Miller.
I'm celebrating a $30k stock portfolio today. started this journey with 6k. I have invested on time and also with the right terms now I have time for my family and the life ahead of me
The very first time we tried, we invested $1000 and after a week, we received $7500. That really helped us a lot to pay up our bills.
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I'm new at this, please how can I reach her?
she's mostly on Telegrams, using the user name
Happy New Year Agustin! Thanks for all your content and here's to 200k subs in 2025! 🎉🥂
Let's hope we can cross that mark this year! I felt a bit exhausted by last July after 2 years of 2 videos a week and moved down, but now I feel very refreshed for 2025!
Yeah, good idea. I only spend on rent and on my business anyway, and I ran out of money a few days ago. I will have over $1000 revenue from my business this month, but I'm just going to let it sit until Feb. I need the mental rest.
Happy new year 🎉 thanks for all your work and wisdom 🙏🇦🇺⭐️🥳 🙏
I actually buy what i need in January in sales. Lasts me a year. And time off internet saved.
Yes. Ive a month supply for all the household stuff. Love this idea. So now my shopping is food only. 😂
I’m actually doing a “ no buy lent “ 😂
Hola Agustin!! Happy 2025! All the best!!
You as well!
Eating out, alcohol and daily coffees are a big wallet emptier.
Happy new year austin!!
The best mindset to begin the New Year, one day at a time, ty. This motivational video well needed, better than others, ty. Needing the day to day accountability. You are leading by example. Having a gratitude mindset, accountability and videos like yours, ty. Happy and blessed 2025👏
Thanks for your kind words and watching! Have a wonderful 2025!
I spent 2024 going to the Indian casinos , like once a week , I saved $0 all year , this year I plan to save $1000 a month!
So far I'm doing good, approaching retirement with about 800k in savings. Transitioning from building wealth to spending can be scary, especially with soaring inflation. My question is, after maxing out my tax-advantaged retirement accounts, what next?
in my opinion, some financial situations can be handled on your own if you research enough, while others are best navigated in consultation with a financial advisor
Agreed, the role of advisors can only be overlooked but not denied. I was shocked that I made more money with investing than hard work, not even my CEO income. Earning ''return on investment'' fetched me millions within a space of 5 yrs.(But I still enjoy working)
sounds great! i've never utilized a financial advisor but enthused about making money from the stock market, could you be kind enough with info of the advisor guiding you please? I could really use some guidance
Personally, I've stuck with Melissa Terri Swayne and her performance has been consistently impressive. You can confirm her basic info on the internet, she's quite known in her field with over 15yrs of experience.
Thank you for the information. I conducted my own research on. google and your advisor appears to be highly skilled and knowledgeable. I've sent her an email and arranged a phone call. Her expertise is impressive, and I'm eagerly anticipating our conversation.
I think stocking up on items the month before is counter productive.
It's like the "don't buy gas day" so everyone fills up the day before.
I think it could be helpful as long as it’s stuff you need. If you buy those items before your No Buy period you won’t be tempted to buy other crap you don’t need.
@ SPAM!
Only use cash is the key 🔑
Happy new year 🎉🎉
Ime going to try this for 6mths 😊
"What you are allowed to replace" makes me think of a washing machine, a fridge, an oven, etc. You can't restock those. The benifit of deprivation is an excellent point.
Hopefully these things last years and don't need to be replaced often!
Please do posts on the toxic side of index funds, drug/alcohol addiction, and review the book Voluntary Simplicity
I gotta do a no spend Feb! Too many clearance sales right now. I have 7 grandkids!😂
Happy New Year Austin! 🎉😊 As always a new brilliant video. 🤗
Thanks so much!
I have limited me "no spend" January to physical (or digital) items that are unnecessary and only focus on food, hygenic products if really needed or meds. I will still grand myself spendings for enjoyment like going out for dinner or the cinema every once in a while but still paying attention to the spendings at those events. E.g. not buying expensive snacks or having extra desserts. Besides I only do each of those like once or max. twice a month anyway.
I am very curious how much money I am going to save.
Additionally, I have an extra project where I plan my meals for a whole week and only go to the grocery store once a week (or twice but only if I need fresh veggies or fruit). Before I used to go several times a week even when my fridge was full but my cravings wanted something else I would just go buy it. This way I want to eat healthier and save time and money.
When grocery shopping and am checking out the snacks I use the vending machine as my guide. Sure $4 is a lot to spend on snacks by the box (6 to 10). But the vending machine offers the same snack for $1.25 to $1.75 ea. and the expiration date is tomorrow. I noticed the vending price increased when the Thrift Store for baked goods shut down.
😊😊🎉
Trying to save and invest everything
Same. My ultimate goal is to live off passive income via rent from tenants, interest and dividends. Can't wait to get there!
Another great video - Please tell me about the wood world map on your wall - Thank you
I really need to clean out my pantry- freezers etc
Happy New Year Austin! 🎉
Happy new year!
Happy New Year, Austin! I am already going to do the no spend month. Great idea! Can we see a new apartment tour soon? Hope so! Give Star a hug from me!
I'll put it on the list!
I’m up for this ElAgustin!
The pantry challenge is getting pretty weird! But I am moving in the summer, so I have motivation to have less to move (without waste).
Happy Banksgiving
First thing I. Going to do is cancel Amazon Prime. We rarely watch anything on Prime, and no delivery/return fees is a big temptation to buy non-essentials.
We focus to much on what we dont have, we have to learn to focus on all we have.we have things we wished for before,we should be grateful for that,not everyone has that privilege.
happy new year to you nice singing Voice
Thanks!
I don't see the point. Then what do you do with the money that you didn't spend?
I adopted frugality to gain more freedom and given my circumstances i could say im halfway there i can work in what i love but...im struggling with the mental aspect of it.
Thx you so much for this video and the advice. This is going to help me so much. Especially the advice about the extreme part.
Thanks for watching!
thats just what i needed
Austin Rocks! 😎👍🏻
@ElAgustin do a video on grocery shopping, myself I do a carnivore diet for health reasons, but my family does not, I don’t buy anything already besides groceries but I’m spending 40, 50, 60 dollars a day on groceries, and that’s just mostly dinner. And maybe normal other things you would get at the store like toilet paper tin foil, condiments etc.
Happy new years🎉
I usually do this all winter no spending months because I make more during the summer. 😂
Is this an endorsement for squid game? 🤣jk. I'm doing the challenge but also mainly books(most of my money last year went to buying a ton of books) This year is for reading them 😇