11 Things I Cut from My Budget And Don't Miss At All | The Financial Diet
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- Опубликовано: 15 авг 2016
- Chelsea shares some money saving tips, including areas of her life where she saves money without feeling the pinch. Check out our video, "12 Ways To Find Extra Money In Your Budget," to help you find even more room in your budget: • 12 Ways To Find Extra ... .
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If you're having trouble making a budget it may be because you're lying to yourself. Check out 5 Lies You Tell Yourself When Making A Budget: ruclips.net/video/8z65REZKwmI/видео.html and see if you can find the answer.
I'd ask what's wrong with people with manbuns but I'd be asking the only person in new york wearing a boring grandma outfit with less make-up than a lab monkey 🤔.
I also unsubscribed from a lot of RUclips beauty gurus because they all encourage consumption and I don't need a fraction of the stuff they recommend/promote
Plus it's all sponsored and half the stuff they recommend they never use - like I never believe that any of the stuff in their 'monthly faves' vids are actually bought by them. Who can afford a bag full of designer makeup every month?
I've unsubscribed from a lot for the same reason. The only one I follow now is KathleenLights. She does so many drugstore hauls and tutorials. I think she's definitely worth checking out!
charchar0607 I totally agree with this post!!!!!
Good move there😉
charchar0607 me too!!
1. Trim my own hair
2. Do my own nails and facial
3. Buy pre loved luxury handbags
4. Buy clothes at thrift stores
5. Make my own coffee everyday and cook my own lunch n dinner.
Im a lawyer n nobody said i look cheap and poor. Save more n invest more.
Your comment smells a lot of experience, I don't doubt you one second. Great ones !
I really don't understand the apparent need to go out and buy coffee. I mean it's nice occasionally, but every day? Just... Why? That's so expensive!
super inspiring!!!
This sounds so nice ❤️ I love making my own coffee and when I used to thrift shop I always looked more expensive, my mother in law despises thrift shopping and made me stop and I hate what I wear now but I’m still an investment piece wearer. So I don’t shop at all. I’m saving for a house so we live with her but I refuse to shop until I have my own home.
fatimah nabilah thanks for that very sensible list. The first three don’t really work for me since I’m a guy but the rest is great
1. Fast fashion 0:35
2. Red meat 1:23
3. Dinner drinks 1:54
4. Gym memberships 2:32
5. Novelty clothes 2:54
6. Trendy areas 3:37
7. "Let's get drinks" friends 4:12
8. Unworn jewelry 4:51
9. Breakfast 5:36
10. Certain designer makeup 6:11
11. Mailing lists 6:37
Thank you!! Amazing
Searching for this comment
Thank you!
You rock. Thank you for posting this!
Uh oh let me not forget to thank you before removing this from my watch later list. You saved a lot of time and bother my friend. Stay blessed.
Okay, so I don't do most of that already. So here's my poor girl things I don't spend money on list....
1. I don't pay for (or illegally receive) cable/dish/netflix/roku etc. Most everything I want to watch I can get for free through the library system if I'm patient.
2. I never get my nails done (fingers or toes). Tried it, but I can do a respectable job myself and save the cash for a massage for stress relief every three months, with money to spare for my emergency savings.
3. Same goes for haircuts. Once I turned 19, I started cutting my own; being blessed with curly hair, my rule is if a piece sticks out too much farther than the rest it gets cut off.
4. Movies. I'm lucky to have a budget cinema in town and if I wait until it comes out on video I know it will likely be at the budget cinema around the same time... For $2.50 matinee ticket price. If I like it enough to want to own it, it goes on a list until I find it for $7 or less at a used bookstore. And even then, it has to be something I will watch at least 3-5 more times.
5. Stopping to get a beverage. No morning tea or coffee drive-thru at Starbux for me, no stopping at a gas station for a soda every time I fill up. I know I'm going to be thirsty sooner or later, so I ALWAYS take water or something else to drink with me, usually in a re-fillable bottle.
6.Full price clothing for me is kind of like her red meat frequency. Mostly it's a rarity, and anything I wear was likely thrift store, or sometimes sale item. Full price is a special treat for something I know I love because it caught my eye from 500 yards, while I was looking for something else entirely (like cat litter) , and I'm not even clothes person.
7. Major household items. With the exception of my mattress, every piece of furniture I own was either garage sale, thrift store, hand me down from a friend or relative or eventually from grandparents that passed away. I literally got my big, beautiful, solid oak double claw-foot kitchen table, with matching leaf, and four beautifully carved solid oak chairs at a St Vincent de Paul for $115. This item would have been easily over a grand new in store. If I didn't thrift find it, it was maybe even something I literally found on the curb. A little Boho, yes, but I save SO SO much money, and honestly, the older stuff just plain has more character.
8. Buying real, pricey, "grown-up" artwork. Now I will admit that for the first time ever I splurged and bought two budget friendly large pieces, one for bedroom and one for living room for about $100 each, when I got my own place again this year after being with someone for five, and to maybe celebrate turning 40. Until then I made collages, framed old calendar pictures (have done this one for years), found stuff at Shopko or Target or Walmart on clearance like many of us, or even painted my own. You'd be surprised how awesome some calendar pages look framed.
9. New books. Now I should note, books are my personal weakness. I used to spend HUNDREDS of dollars a year on books. Even as a kid, my mom put me on a limit with the monthly school book orders. Now, I only ever buy used. If I can't find it in one of three local used bookstores, I can find it used online, usually with free shipping too.
10. New cars. Ever notice how people these days need a brand new vehicle at the top of what they can afford, and then they want to replace it as soon as its paid off? Drive it until it feels too unreliable to keep. It doesn't need to be pretty. It just needs to get you to where you are going. And when you get another, don't be flashy, be practical and stay within YOUR budget, not the budget you'd like to pretend you have. (same with phones!) If it isn't broken, don't replace it!
Hope something in here is a little more realistic and helpful for y'all!
Miranda P this is along my spending habits as well! I never had this idea that i needed to develop new "adult" spending habits and be buying certain things. I have bought a new couch- for about 200 $ at the local Big Lots which has served me well. For my hard furniture, I have relied on yard sales and local thrift stores. I do splurge on luxury makeup and fragrances tho🙄
As someone who buys too much books and artwork for my own good, your list is very inspiring. And I agree, the older furniture look better and are generally more solid than what they sell today. If everyone bought more used, we could help this planet a little more too!
I'm totally there with you. My artwork splurges are usually pieces that a friend of mine has made, and I save up to buy them, after she tells me how much she's charging for it (at the friends and family discount). I prefer to pay artists directly than buy some mass marketed piece that everyone has. I buy clothing maybe once a year, if that. Most of our furniture is hand me downs. We just got a beautiful dining room table and chairs when my husband's grandmother moved into an assisted living place and didn't have the room for her formal dining room furniture anymore. It was free and we use it for 3 meals a day. When the kids are older, I'll just reupholster the chairs and they'll be good as new. We did buy a new bed and patio furniture from an overstock site, because nothing I saw on Facebook marketplace seemed right or was in our budget. But we love them and they have held up great so far. Books are a weakness, especially ebooks, because it's just so easy to lose track of how many you've purchased (I do wait until they go on sale for $1-$3 though). I've gotten a little better about buying all the "real" books though, and will again save up to buy something full price at my local bookstore, so I can support their business, instead of going to a national chain or buying on Amazon. But it does mean I buy way fewer books in general, because I really have to wait to purchase something (ergo less trips to the bookstore and way fewer impulse buys). Meal planning is one way we definitely save money on food waste. We used to just buy whatever looked good, I'm not a great make something with what you've got laying around cook, although my husband excels at that, but inevitably stuff would go to waste. Meal planning means way fewer trips to the grocery store for little things that turn into big shopping excursions of stuff you don't need, and it means less food/money wasted. We actually did buy a new car for a couple reasons 1) we couldn't find cars that wouldn't break down on us all the time and cost a lot of money to fix or replace, so that extended warranty was a god-send for us 2) we knew we would drive that car into the ground and 3) we could get the smallest, cheapest car possible with a monthly payment we could afford. It's now paid off and still our only vehicle, with several years worth of warranty still on it, and with no plans to get rid of it any time soon. Also, no credit cards. We actually need to get one, for stupid stuff like rental cars in Europe once every blue moon when we go to visit my family there, but for the moment we're perfectly content without one, and it means we're not getting charged fees and no impulse spending because you've got "unlimited" money available to you.
Too Right! Thanks for making us feel included!
This is comment is gold. Thank you for writing and posting it.
I get so confused when people say their fast fashion clothes only last a season. I take good care of my clothes and am able to make them last years, regardless of whether they are high or low end
JQIsabella I think its just something people who spend way way too much on clothing say to make them feel less stupid for spending way way too much ob clothing. Another term I hear alot by the same people is "investment piece" lol.
That is highly dependable but I usually don't buy stuff from Forever 21 or Fast Fashion as a whole but the only clothes that really last long for me is probably Uniqlo because BASIC stuff is Basic but I wear it everyday I don't want to wear something stupid. They last longer for me and plus they usually have a lot of sales. But it highly depends from people to people from income to location.
thought I was the only one who holds on to clothes for years.
Agree! I don't think H&M can be called 'fast fashion'. Their pieces last for years. I also don't believe in owning a few investment pieces. How often can I wear a high end blazer or dress? And if it gets stained or ripped? I'd rather have more low end pieces to give me options and I can throw them in the machine to wash and switch out as I feel.
I don't buy fast fashion because of ethical reasons. They don't pay their workers anything and they treat them like slaves all so that they can keep their prices low (for the company, maybe no so much for the consumer). I like to do research and buy from ethically sourced clothing where they pay their workers a living wage and fair working conditions. Does it cost a little more some times? Sure. But as a mother, I don't want anyone's child to have to suffer so that I can have trendy clothes.
I'm not rich or even middle class or that matter but I live by the motto "If I can't afford to spare someone else some unnecessary suffering than I just can't afford to buy new clothes"
Luckily for me I can find really great deals on ethically sources children's clothes that are durable and have designs that my son loves.
My big budget cuts this year have focused around incorporating no spend days into my week. Walking into a day with the goal of not spending any money helps me utilize what I have better, allowing less things to go bad in my fridge, and spending more time cultivating old hobbies. All in all this was a pretty great move for me.
After I turned 65 years old, I woke up one morning and decided to stop colorlng my hair. I always hated the process and especially the cost. Now I have a chic and short hair style with minimal maintenance and I save time and money. Feel so free now!
Save your receipts! Don't be ashamed to return anything.
Yes but only until the date or expiry! Cuz there will always be the likelihood that you'll get blacklisted from the store from waiting too long to return it and/or doing it too often. Just saying 😅
A tip that I use is to not be afraid to return something you don't love and to keep items in returnable condition until you're sure you love it. That way, if you realize you've made an impulsive mistake, you can get your money back. Sephora takes returns on pretty much anything in any condition!
Christine Grassi yes!!!!! I've learned to do this too! Ive always been scared to return things but I'm like - stuff it - I have the receipt, it's not what I want, I'm taking it back!
yes this is a great tip! always return if you don't use an item before that return date is up! i had a good friend that was always shopping but she always returned and sold her stuff in turn and i really respected her for that because she had cool and trendy stuff all the time but wasn't excessive about it, and knew the value of her dollar!
Know the return policy of all stores where you shop. Grocery stores often take returns. Makeup at the drug store is fine too, and many take returns without questions.
honestly if your clothes don't last for more than a season, generally I think that means you aren't taking care of them.. I can only afford "fast fashion" and my clothes last for years..
Olivia Miller-Davis I think she ment they were out of season by the end of season or season specific clothes and then get new wardrobes for every season to stay cool and in fashion
Even mine last years and I really don't take specific care to them
The pandemic REALLY made me realize what I can live without. I worked all through it (I'm in healthcare) but I went to work and came home. My husband picked up groceries and necessities which made me realize that I do not need two $5 Starbucks iced teas (especially in the summer when I may grab three) which adds up to fifty + dollars a week and $200+/month. This is my personal choice. If you really enjoy your Starbucks - no judgement - just no longer my thing. I also stopped getting my nails done with gel every two weeks without fail, $40 with tip, $80/month. I think the pandemic caused us all to reevaluate things a bit. Just my humble opinion.
Chelsea, I feel like you're talking to me as a friend in your videos . While I am a baby boomer and not a millennial, a lot of your advice makes so much sense even for me. My mother, who had to work until she was 83 because of her out-of-control spending, was the only example I had. As a result, I have made, even up to yesterday, every disastrous mistake in the financial book. If only you (and the internet) were around when I was in my 20s, I would not be in the trouble I'm in now.
I really love these videos, but it would be awesome to see TFD do more on advice for people who already skimp in a lot of areas. I guess the channel title does imply it's about cutting corners, but when you've grown up money-conscious (read: poor) and already don't buy all this unnecessary stuff, what SHOULD we do with the little money we have?
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Yes I completely agree
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Relieved to finally see comments like these. It does feel like TFD is aimed at people who already have a lot of disposable income, but for anyone who has grown up constantly being careful with money, or is struggling at the moment, the videos aren't as relevant as they could be.
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I want this channel to succeed, I really do, but everytime I click on a video I get the feeling I'm always getting a slight variation of the same advice, great advice sure, but pretty much the same every time
You should read their blog instead
Neil deGrasse Tyson once tweeted "A WeightLoss book written by Physicists would be 1 sentence long:"Consume calories at a lower rate than your body burns them"" twitter.com/neiltyson/status/25268611178303490. The financial diet would be "spend money at a slower rate than you make it". Having said that, both diets are extremely difficult not for the core principle but for the surrounding aspects, such as when it is a good idea to invest and when to be cheap, or what are wast items. I think this is the value of the chanel
I am getting that feeling too. What I wish they had were more deep videos. I loved the one on anxiety and also broke vs. poor.
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Its all going to be that. There are a ton of videos similar on YT. At least it doesnt cost you anything to watch EXCEPT for the most precious commodity -- TIME
Lmao y'all stop making fun of her calling her a spoiled brat😂 she's used to being able to treat herself, and she cut it out and doesn't miss it. Look at the title. If it pertains to you, watch the video. If not, move on and find something that does.
Lmao Daivik stop making fun of commenters you spoiled brat😂 you're used to being able to insult people who call out a clickbaity video, and you can cut it out and nobody will miss it. Look at the title. If it sounds like it interests you, watch the video. If it turns out to be clickbait, warn the channel that it's losing viewers if it doesn't change its clickbaity ways.
Agree everybody is a critic. Some of these tips will never be for me but they will work for a lot of people and obviously made her life better
Things I don't buy:
1. Napkins. I buy cloth napkins at garage or estate sales or thrift places. Same goes for some towels, blankets, cleaning linens. We use one napkin all day or longer if we can and wash with our clothes. We still buy paper towels, but they rarely get used. They are mostly for the cars for kid messes. We've had a few vomit happenings in there. I use newspapers and washable rags, that are sometimes made from ruined clothes, to clean up every dog and kid mess under the sun.
2. Clothes. We buy used or super clearance stuff that is sometimes cheaper than used. We usually only splurge on newer, expensive items once a year and set a small budget. We don't buy new undergarments for ourselves until we need them which might mean once every 2 or more years depending on how long they last and I have bras that are 10 years old. Obviously the kids grow and need these more often, but we generally buy all of our kid's clothes 2 sizes too big and use belts and fold or roll so that they get a full year or more out of them. Also, I saved all of my oldest's clothes so that my younger son can wear most of them now. We also use clothes that might be a bit too small/short for pajamas. I noticed my kids just didn't care of their sweatpants were 2 inches too short to sleep in... Also they can be cut off for shorts for summer sleeping. Most of my kid's shorts could fit them for years even though the size said 2T, they were wearing them until they were 4. We also always buy things that go with a anything. So coats and shoes are neutral colors. I also use the internet to buy used items.
3. Dirt, air freshener, plants. We have a huge compost pile in the back of our backyard. It's only been a year or so and it's huge. Most of our lawn clippings go into it and all of our organic matter plus most of our uncoated boxes. Our compost containers are reused from old packaging. We dry the peels from citrus and then freeze them and heat them on the stove with spices when we want a good smell. They are also great for diy good smelling cleaners. We don't usually buy plants. We use starts and just wait. If it's a grafted fruit we might buy it if we want to grow that fruit.
4. Furniture. Everything is antique, used, thrift, etc. We compare prices and keep used Furniture costs down as well.
5. I have a "don't go in" rule. I don't go into a gas station or convenience store. This keeps us from buying junk we don't need. Same goes for coffee shops. We use intentional shopping. We go in for what we need and try to follow the list... Unless we forgot to write something on it. I rarely browse a store. Where we live we have realized that our grocery store is set up exactly so that you have to walk through the entire store to get what you need. We have food allergies and dairy free butter is next to regular butter at one end, but dairy free milk and cheese is at another end while regular milk is actually at another end.
6. Cleaners. We don't usually buy specific cleaners. We use a lot of vinegar and baking soda, rubbing alcohol, peroxide. We still use laundry detergent and dish soap, but that's generally for convenience. Will be trying wool dryer balls soon.
7. Snacks. If we want a snack we usually have to make it from scratch... This means we don't usually snack. Snacking is a huge issue for most people. It costs a lot and is a huge calorie booster. We do buy things like ice cream and chips, but we practice portion control. Making your own dips usually means you'll only do it for a get together so it happens a lot less.
8. Some foods. We practice canning! We don't do this to the extent of some, but we use our fruit trees to make jams or can fruit to use later. I also make my own salsa. If anyone grows their own food this is a huge saver.
9. We try to look at anything that is a one time use item and see how we can do something reusable. Facial cotton pads, jars and bottles, diapers, etc. We decide what we can or cannot live without as far as convenience or time goes, and we make a switch with what we can.
1. Fast Fashion
2. Red Meat
3. Drinks out
4. Gym Membership
5. Novelty Clothes
6. Trendy Areas living
7. "let's get drinks" Friends
8. Jewellry, Makeup, Hats
9. Dont eat Breakfast
10. Designer Makeup
11. Mailing Lists, Newsletters, etc. Unsubscribe
stickinss .....if her videos were in anyway informative or helpful to the audience she's trying to pander to, I'd agree with you but this is not that video.
GundelSince2011 there should be a summary of the video on every description. Thanks btw
The lord’s work. Thank you.
GundelSince2011 I agree, none of these tips are very helpful or anything new really..
💜
I can understand not eating breakfast, but I don't think you'll save money that way. You need a certain amount of food per day and so you'll just eat more at lunch/dinner/snacks/whatever. So your other meals will cost slightly more.
I agree. And if she means for us to cut those calories out entirely, this is simply not healthy advice.
I've never been a breakfast eater. In fact I eat to early it makes me sick to my stomach. I have a cup of tea or coffee then have an early lunch around 10:30-11am. Its not that big of a deal to skip meals.
that's a great point and a lot of people share that type of eating schedule. That really adds to why that "tip" seems too variable from person to person to have been included in the video
ylhajee I don't know that's that's entirely true. Most of my family eat 2 meals a day and they are all thin. They don't get ravenous at the other 2 meals. I eat breakfast and I'm obese. If it works for you then it do what you want.
Sherry Ali you are right that the advice is specific, but I think it's good she included it. It gives those certain ppl who may just be eating breakfast because they've been told it's "the most important meal of the day" something to think about. And I think that's actually a lot of ppl.
Just be poor, you won't even know it's possible to spend on these 11 things in the first place. :)
Lisa Isabelle LOL!
Lisa Isabelle indeed. When I got taken away from what I loved and what I knew I became sick and fat really quickly... really really sick and old looking. But that was due to my eczema that turned me into a scaly monster while up in the east in W.V. Such a difference.. I was always grateful but I am now even more grateful and depressed I cannot become as successful as my parents are due to me anxieties depression and cognitive disabilities. But you get over all of that shit once you watch some people in horrible places and feel grateful once again you aren't in that kind of situation..
I mean there is an upfront cost to being poor. Like you buy cheaper furniture and fast fashion that falls apart faster, which leads to more spending. You eat poorer quality food and get have worse health, which leads to more sickness. I suppose there is a level of poverty where H&M and Ikea isn't affordable- I could afford a shirt or two from H and M but definitely not Ikea. It would hurt my feelings when I'd read advice calling stores like Ikea 'for early 20 somethings.'
I feel your comment on a deep level.
You said it perfectly! I stopped watching about halfway because I was like people really need a note to stop spending in these areas?? What a nice, privileged life, lol
I NEED to see this robin egg's blue coat with a white fox fur collar.
made me realize how much i dont spend lol
53Hertz same lolol
I realized a while ago that most advertising is aimed at the top 35% of income levels, and a whole lot of it is aimed at the top 10% or higher. It’s been cleansing to realize that no one can live that way on a US median income (70k for 3.3 people) and no one’s really meant to.
I used to impulse buy lots of books, so I took my credit card off Amazon & subscribed to the public library on top of my university library, I also stopped using my Kindle and I now have a rule that I'm not allowed to buy a book unless I already read it & or it's a reference book for long term use. clothes - that's another long story! found the best way to not buy unwanted clothes is to just buy 1 or 2 items at a time. going out - discovered walks & free exhibits & shows are just as fun & more healthy than going to a restaurant.
Paulina Scheck Thank you for this great idea! I'm a bookaholic. I do use the library and purchase a lot 2nd hand but this reminded me that I can download from the several libraries that I have memberships at. 😊
This is amazing advice! Literally just changed my life
Interlibrary loan is amazing. You can get books from anywhere in the system. I once got a book on Chicago from Alaska! :)
I use to eat out a lot. Now I cook all my favorite meals instead of buying them. It has saved me a lot of money
Making food at home is way cheaper than fast food, and I'm glad I buy at grocery stores.
I cut cable about 5 years ago and don't miss it at all. I've saved approximately $5000.
Gerarda Cronin is cable that expensive?? Eek!! We have free-to-air tv in Australia. It's great!
I subscribe and unsubscribe to Netflix all the time. Sometimes they send me a free month here and there which is great
mehe85 It is in Canada!
Gerarda Cronin Same here....it's been 8 years. Don't miss it.
My family did as well and we're much better off without it.
I grew up with 3 (sometimes 4, sometimes 2) tv channels and dreamed of satellite. Then I got married to someone who had it and realized it wasn't all it was cracked up to be. And then I found out we really couldn't afford to have satellite at all so we stopped. Now we just do Netflix...it is our luxury. We have almost had to cut it out as well but thank goodness we have managed to come up with that $8.99 a month or whatever it is now so far. I do miss going to see movies I really really want to see, but they come out on DVD so soon now and sometimes we can afford to rent one on Redbox.
I make a point of allowing myself to go to the mall a couple times a year to see the new styles and try on items, window shoppe and have that experience of the outing then I head directly to the thrift store inspired and spend $20 instead of $200
Why tf are you hating on her? She’s clear that it’s ways she found to stop spending in her personal experience. It’s her experiences she’s telling about, not advice necessarily.
This channel is a joke. When someone is really struggling with poverty, these things won't help because you probably already don't spend on these. If you want to get richer, these tips won't help either. This save, save, save mentality is literally what keeps people at their financial status. Yes, if you don't spend money on one thing, you will have more money to spend on the other, but it doesn't help you figure out ways on how to spend on both.
A strong message what I feel with this channel is saving money for the sake of having money, and that's just bs. Money is a tool. It doesn't make you a superior person if you spend less. What people need to realize is that they need to spend and save in accordance to their wealth and goals, and learn to earn more if that's what they want. If you think you have to withhold something to get something, that becomes a belief and then become action and you will stay in your position forever.
This channel is a summary of toxic, oldschool moralistic financial advise and I'm finally unsubscribing.
Liusila preach!!!
truthtoknow ok.... there are apps and other RUclips channels that can help you with that excruciatingly detailed list of complaints, man.
Find them and stop the bitchy whining. 👋🏽
I know it’s a luxury, but I still get fancy gel nails done every 6-8 weeks. It makes me SUPER happy to see my nails sparkle and I always do a crap job of it myself, so the value is definitely there for me. I request very specific items for birthdays and holidays and almost never have to buy fancy items! I also make a habit of putting all my online shopping in the cart and revisiting it a few days later. It’s never as appealing!
"people without man buns"
As someone living in the Seattle area, thank you.
ALSO! For all your novelty clothes that you've never worn, consignment shops like buffalo exchange or even ebay (if you have the time) are great ways to swap clutter for cash.
The CapHill manbun is real.
"people without Man buns" aka pretentous hipsters lol
well I don't have a problem with manbuns
Ruth Hook i found that comment stupid and absolutely immature. im sure that not all people with manbuns are obnoxious... this is a case of judging a book by its cover and you, as well as her, are falling into the trap lol
Michaela, that is her opinion and you not choosing to acknowledge that is absolutely immature. While you may not agree with Ruth Hook's opinion, your thoughts are your opinion. This is America and as long as she's not committing hate crimes based on the premise of man buns then she can judge all she wants, who are you to judge her opinion? #dontbeabully #freedomofspeech
You don't save money by not eating breakfast unless the $/calorie you spend on breakfast foods is higher than the average $/calorie you spend on snacks, lunch, and dinner. You're not going to magically not need your 2000 or whatever calories just because you decide you don't want cereal, you're just going to make up for it by eating more later. Or you'll be hungry and lose weight until your body no longer needs those calories.
Sorry, but that point was basically bullshit. You can't go from "breakfast is not more important than other meals" to "breakfast calories are literally meaningless"
Kelpsie Sponge I'm guessing this lady doesn't snack either. ....
Kelpsie Sponge If she takes along a banana or apple for the hungry munchies at 11 she is doing fine.
I thought the no breakfast comment was a little strange, however, for me, I can just skip lunch actually. Many days I'll eat a good breakfast, and one other meal for the day and be perfectly satisfied. As a person who likes to look good in clothes, and not continue to become an average obese American, I sometimes wonder how people actually become so large. Is it because they were raised to believe they HAD to have three meals a day? I really wouldn't know. My mother was a if you are hungry figure it out on your own kind of mother a lot of the time.
Kelpsie Sponge Yeah, I wasn't sure how suggesting that you refrain from spending money on a meal you already don't eat was helpful.
its not bullshit at all, especially if you are buying food in bulk. If you arent spending more on luxury breakfast items and instead buying lunch and dinner foods in large quanity you are saving alot of money. I also intermittent fast and it saves me alot of cash.
“...and people without man-buns.” 😂 I love how Chelsea has these random, unpredictable moments of savagery 😂
1. Fast fashion
2. Red meat
3. Dinner drinks
4. Gym membership
5. Novelty clothes
6. Trendy neighbourhood
7. Let’s get drinks friends
8. Unworn jewellery
9. Breakfast
10. Certain designer makeup
11. Mailing lists
Oh so stuff I don't do anyway. Ok. Guess I'll just stay poor.
I came to this channel from Vlogbrothers and because I like the style/focus on newly adulting problems. However I'm realizing it's pretty irrelevant to my minimal-spending-but-low-income lifestyle. Does anyone here have suggestions of personal finance RUclips channels (or podcasts) for someone who has already cut the fat out of her budget?
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Agreed, for the most part. This channel seems to be mostly geared towards people who actually have a fair amount of "spending money," advising them on how to use it more wisely. As someone with a low income, I'm like... you seriously have the *ability* to buy fancy jewelry and clothing?? This is not a choice I face.
I'm in the same boat, I find that most financial advice is aimed at people who already have more money than me. :P I think the only advice for people with low income is gonna be "find a better-paying job" but I'd love to know if somebody out there is writing tips for how to really make your money go a long way when you don't have a lot to work with.
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Makeup, skincare and clothes. My collections of all of these products are exactly where I want them and I only buy replacements. I don't try new things anymore because I only have what i use and I know works for me already.
Sandra G I've noticed this is what I've been doing too, for the past 2 years ☺
I only invest in high quality cruelty free Make Up. We need to stop polluting our planet with bottles of junk we don't need. You doing the right thing!
That's all well and good, until they discontinue your favorite stuff!
I should stop trying so much too but when you watch so many RUclips videos or have so much interaction on social media, it’s so hard!
I have „fast fashion“ pieces that I have worn for 5-10 YEARS now. They are still perfectly fine.
I get hand me downs from my mom sometimes, and her clothes are actually really trendy and cute, so it's a win!
Julia Mastouri Same!
Julia Mastouri haha me too. I have all my clothes from 18 that I bought from wet seal forever 21 etc and I’m 27.
Yes, I am wondering how some people use fast fashion clothes only a season or two? I am still using my uniqlo t-shirt for 8 years now...
@@gizralnork I feel like uniqlo is different, the price is much higher as primark (or other comparable companies) and the quality is really really good. at least in my country
I can relate to your tips girl. Here's what I do:
1. Do my own nails
2. Take good care of my skin so that I don't need to frequent a facial salon
3. Don't walk into a fast fashion store or any stores with a 'sale' sign , unless I really am looking for something
4. Track expenses religiously. There are plenty of free apps out there. You'll be surprised by where you mostly spend your money on.
5. Bring lunch to work
6. Cook more often
7. Stock up on necessities on sale e.g. sanitary pads/tampons
8. When I'm about to impulsively purchase something online, put it in the cart/wishlist and leave it for 3 days. If I forget about it, it means it's not important.
When I hear people say "fox fur", I'm always secretly hoping they're mispronouncing "faux".
Anthorisme......THANK YOU!
They usually are
😂😂😂😂
anthorisme straight from her blog sadly '(No, Chelsea, you are not going to wear that robin’s egg blue winter coat with the white fox fur collar more than once a year at best. It was not worth 400 dollars, even if it was on mega-sale.)' I'm unsubscribing. She also said she wore a mink coat she bought and the only reason she stopped wearing it was because it was too big and didn't look that great on.
Anyone that's still wearing real fur is cancelled.
I appreciate advice like this and I'm sure it's useful for some people, but could we maybe have some advice geared toward people who don't already make purchases like this? It's not that I don't have the disposable income to be able to buy these things (although I'm sure that's the case for some people) - I just choose not to buy them because I'm not interested in them and I've always been pretty careful with money. I'm looking for tips for people who want smarter ways to spend the money they have, not lists of expensive things that not everyone has the privilege or desire to purchase in the first place. I'm getting the feeling that this channel is aimed at people who were never taught healthy spending habits and budgeting, but it's not very helpful for people who already have those skills and want to go further.
There are definitely resources that have tips for spending money smarter (and there are people who don't know the basic tips she gave in this video). Try searching investment options (as opposed to how to save money searches) and opening a brokerage account if you haven't yet.
I think this is meant more as an idea as to what your spending vices are. not how to save money on needs. just too look at what your own vices are. I know mine might be the occasional magazine, and every so often I pay for convenience, such as buying pretty rice cauliflower instead of ricing my own. another vice or flaw is I am bad at meal planning and seem to waste too much food.
cellogirl0096 if you already know how to budget why are you here!!!!!!!!!!
i absolutely understand what you are saying...i am ALWAYS looking for ways to save and budget. I have been able to budget pretty well for the most part these past two years and able to invest some of it. if your place of employment offers matching or optional retirement plans- you might consider putting in/more. They are usually pre-taxed and reduce your gross income, so you may be at a lower bracket when doing taxes. i am starting to build my own garden, so I will be able to save a bit here and there with groceries. i also filter my own water. recycling is a big thing for me. i like to check to see if they have coupons that gives me a special.
@Emma Sanders See, there are people who still struggle with money that have never even considered spending money on the things she mentioned cutting out in her video. There are people who aren't lucky enough to have someone in their life that could help them get a job where they were rich (earning >$30,000 a year or so). Should these people simply struggle because they aren't clever enough to make wealthy friends? I don't really think so, because I don't think that your monetary worth is linked to how good you are as a person. There should be tips, more like: "This is a food you can make for 2 people for 10 meals for $2" or "the most efficient way to spend your SNAP benefits" or something.
Love this channel!
One point on the breakfast thing though: for some people whose breakfast is important (like me, I literally got digestion malfunction if skip too much breakfast) try cooking breakfast by yourself instead of eating out or grabbing fast foods or buying a cup of Starbuck. Living in Tokyo (by no means a cheap place) has trained me to wake up just a tiny bit earlier and prepare my own breakfast, thus saving hundreds of dollars every month.
I love my lets-get-drinks-friends! Sometimes you just want to go out and have some fun, but you’re closest friends don’t want to go. I have a wide network of friends and I love it.
I only buy clothes on thrift, I'm a vegan, I only get water when I go out and I only eat out if I have a discount/coupon (any other time I go out to parks, etc I bring my own water and a pb&j), my dad pays for my gym membership, I have worn holes into every piece of clothing I own, I live in a poor neighborhood, i have no friends, I only buy things I genuinely use all the time and only buy the best bang for my buck items, I plan my meals and cook and home, and I don't open emails. I'm beyond these kinds of tips. I need to increase my income 😧
A Designer At Home -Corinna
A Designer At Home -Corinna you can always move to a cheaper country hahaha
Patriot Jefferson I haven't drank soda in 2 years. And the only energizing drink I drink is coffee made at home. I'm maxed out at 40 hours per week.
Julia Sepulveda I should so this.
A Designer At Home -Corinna i'm curious about how you live in developed countries. i mean, in my country, many people live with 400 usd a month and, as a single person, you can have a pretty decent life with 1000 usd a month. a good salary (big house, kids, private school, car, travel) is like 4000 usd a month. how is it there? (i don't need so many examples hahaha i'm just curious)
I see a lot of comments about people complaining that this doesn't work for them because they have a lower budget than you.
Firstly I wanted to note that I am your target audience I think. I have money to spent and that's why I'm bad at it (?)
But I can see that people who struggle because they have less and are searching for tips would end here.
I still think that you could apply these tips, it's about being aware what you spent and if you really need it
I don't know if you'll see this but I just wanted to leave positive feedback, you are really funny too
These are good tips Chelsea. Making the right and practical choices really saves you money. No matter your economic standing, age, or if you're a man or woman. Feeling you have to spend because it's "part of the culture" or thinking it will make you "happy" is very draining both financially and spiritually. For me, your best advice is looking for "real people" to hang out with, and not those who are merely keeping appearances. KEEP UP THE GOOD WORK. love your channel.
I unfollowed a lot of you tubers because their “hauls” were making me spend on crap I didn’t need
Ny times is not a reference for medical science proves 😂
Right?
Medical science proves is an awkward way to end a fragmented sentence. The source might be weak but regardless the point of not needing to eat breakfast is still true. Or tell me are you also drinking 8 glasses of water not because it is the correct amount for what you've lost but because someone once said that.
Yes, but its a reference to an article by Aaron Carroll, who is a pediatrician and professor of pediatrics at Indiana University School of Medicine, where he is also the Vice Chair for Health Policy and Outcomes Research and the Director of the Center for Health Policy and Professionalism Research. Plus he is the host of Healthcare Triage and is well known for referencing a lot of scientific research and actually pointing out at what research is biast or where you have to be careful not to draw too many conclusions.
If you actually read the article you would have seen that most of the article is references to scientific research or discussing it.
@meraki just so you know most pediatricians get little to no nutrition education...
Hahaha!!! Yeah I always quoted NYtimes in my medical papers at university! Didn't you! 😂😂😂
Hmmm. Money tips for people with money.
my thought exactly
Shie H. Yes. True. As someone with money, it's good to think about cutting down and spending too much. It's a useful video for someone like me.
Shie H. That's how they keep their wealth
Exactly my thought!
Shie H. anything wrong with that? i know several people who could clearly use these advice.
I still wear the free t shirts I got when I was in middle school so I feel like this isn’t the video for me lol
I wear my middle school PE shirt to sleep!
One other saving tip I use is: make a shopping list and stick to it. It eliminates the desire to browse around and pick up unnecessary items, and gets you out of the store faster.... And just like you, I don’t eat breakfast either. I grew up eating only 2 meals a day, and it keeps me going just fine. (I also had to teach my husband to do this bc not only was he eating every 3 hours, but we were wasting money on food items we barely touched.)
I don't eat dinner, but I can't skip breakfast *LOL*
Breakfast is the most important meal for me. I got sick for days if I skip breakfast or even have a late breakfast for a day..
Joyce Belfort u
I got rid of cable about 7 years ago. We have internet and Netflix now. I don't miss it at all and, as a bonus, I do not see any television commercials. I watched cable in a hotel room on a recent trip and I was astonished by the sheer number of commercials and by the amount of things I could buy that I had never heard of.
I just bought department store foundation for the first time (I'm 38) and I'm loving it. Worth every penny. As far as other makeup products, I have a friend with an Ipsy subscription who gives me all the stuff she doesn't want, which is most of it. I get to try out higher end makeup without spending any money!
I shop thrift stores almost exclusively for clothing. It's taken awhile and a lot of mistakes, but I've learned how to recognize things about the clothing that will and won't work for me. I've learned what fabrics and styles look best on me, and I've learned to stick with very neutral colors because I'm colorblind. Color is for accessories.
I also had to admit I'm not a jewelry person. I wear a man's watch, my wedding ring and my nose stud. Every day. That's it.
Here's a weird one...I hate the amount of money that you must spend on bras to get decent ones. I had several that fit well and I wore them until they fell apart. And then? I stopped wearing bras. I wear a light control shapewear tank under my work clothes.
I'm working on cutting out cigarettes, which are terrible for multiple reasons. I've cut down by half so far.
I'm working on switching from delicious, creamy soy mochas to regular brew when I go to the coffee shop. It's not going well...
This is a very industry based tip, but seeing as many people work in a restaurant I think it can be helpful. I get 100% free meals at work which means I can normally get two free meals because portions are large. I always make sure to get a high priced protein(salmon) and an easily repeatable item(pasta) at least once a week. Also make sure you get your soup or salad if your meal comes with it and eat at as a snack the next day. I know that many people only get 50% discount, but the same principle applies.
Thank you for telling people that breakfast is NOT the essential meal the food industry has been pounding into our heads since childhood.Been eating 2 small meals a day for decades and am fine according to the docs.In the rare event I do only have breakfast if I can't have lunch.
Am I the only adult woman who's never heard the term 'fast fashion' in her life? What exactly is fast fashion? Cheap trendy clothes?
yes
No, it's the kind of clothes that H&M, Forever 21, Uni Qlo and other stores like them sell. They only sell clothes that are in season or currently trendy, but after a few months they switch to a new collection for the new season. Because of this, some women tend to feel the need to always be in season, so when new seasonal clothing hits the shelves, they buy those and neglect the clothes they bought last season. This is a horrible way to waste money.
Sarah D that makes two of us
Fast fashion companies, like Zara, Forever 21, and H&M, mass produce trendy at the moment clothing as quickly and cheaply as possible. These clothes are made in China and Indonesia, as well as other developing countries, often at the expense of living wages, child labor, and business malpractices, as well as chemicals and pollutants being released into the local environments of these countries. I highly recommend a documentary on Netflix. It’s called “The True Cost,” and it gives you an in-depth look on how fast fashion affects factory workers and the environments in developing countries.
The clothes at Target in my book count as fast fashion because they fall apart sometimes before you even worn them but one season is all that some of them last.
make my own coffee/tea/ more delicious and cheaoer and more fun.
There was a series from the 70s or 80s that talked about saving money called the Tightwad Gazette (your library might have it) that advocated saving money one the things you can so that you can afford the extravagances you REALLY want. Like cooking at home to save money for expensive trips if you like travel. Not buying overly expensive clothes so you can afford the latest video game gadget. Or skimping on makeup because you really like fancy coffee drinks.
I really love traveling and therefore I started a "traveling fund" for myself. Everytime I manage not to buy something I don't really need like fancy jewelry or Starbucks, wine, fancy dininer (not that I don't go to eat out anymore, but I try to be more considering) ect. I put that money into the traveling fund. It works amazing!!!
Romana 22 awesome, I do the same thing and I managed to save for a two week vacation!
When I was a kid, I noticed that I'd get the worst stomachache before school whenever I ate breakfast. Consequently, I stopped eating breakfast, and I still prefer to skip breakfast. I later learned that I'm a celiac, and I often wonder if my past morning stomachaches were related to that condition. Most breakfast foods are centered around bread....
However, sometimes a warm bowl of soup tastes really good for breakfast on cold mornings. Soup has become my favorite morning food I decide to have breakfast. ^_^
Anyway...I'm glad I'm not the only one who likes to skip breakfast. I have also been lectured a lot about how dangerous and bad people think it is to skip the "most important meal of the day."
I actually had the same and I got to another conclusion. In my opinion, I think it is related to the waking up process, whenever I would wake up rushed or waking up early when I'm used to sleeping an extra few hours and/or when waking up if I didn't protect myself from the breeze (idk the expression that i'm trying to use, so I apologise and hope you can understand what I'm trying to say nverthless) on mostly my belly area ou back, I would get stomach aches. And those would be even more probable to happen it ate/drink dairies.
And I got to this conclusion after noticing that I would rarely ever get those stomach aches during the weekends(when I wouldn't wake up at 6:30 and would instead at 11~12:00) and after my school schedule got changed to an afternoon schedule (classes would start at 13:30 instead of the 8:15)
I had a similar thing with breakfast except it was because I'm lactose intolerant and was always having cereal with milk
Katy Adelson As someone who is gluten intolerant, I'm going with a big yes! LOL
I'm super late to this discussion, but I just found TFD through the RUclips channel What I've Learned. He's got a bunch of videos on the science behind gluten and how eating less food in general is so much better for the human body if you'd like to check them out! I was actually one of the people who religiously ate and advocated for breakfast but have gotten detached from it through intermittent fasting and I'm feeling so much better! Today, I don't crave nearly as much food as I did before, whether it be lunch, snacks or dinner and I'm experimenting with shortening my eating window! All in good intention, of course:)
Dea Carey mms
Cutting out red meat is a good idea - same with the alcohol. And I've personally never paid for gym membership (never will). But breakfast? I could never cut that out!
Breakfast is so necessary for me too. Where I work, if I don't eat breakfast I'll end up passing out by lunch time so I have to eat in the morning before work.
pamelam4 Skipping breakfast isn't for everyone, but for many people it's fine. If you want to try skipping breakfast again try having some snacks before lunch.
"People without Man Buns". I almost spit my coffee all over my new laptop!
berserkr1979 me too :)
Then try this recipe
ruclips.net/video/yb_f9sbT4fA/видео.html
I agree on the gym membership since it usually takes me at least an hour of "gym related but not work-out time" (ie. getting to and from the gym, finding parking spot, changing my clothes) that I find I could just use that time to do at home exercises that is just as beneficial.
If you had to cut this stuff from your budget to save money, you've clearly never had to actually be good with money. This shit is obvious to anyone who is or has ever been poor.
The Void I personally find this video not very relatable. I leared some of it in middle school/ high school and the rest was kind of an obvious thing. Never knew people went through 'welp gotta buy this because I'm an adult' phase... It's like those people who post about how they are an adult because they went to bed so they can wake up for work or paid their 1st bill... smh
The Void it's sad because yeah, i cut out everything on this list automatically because im poor lmao. also my chronic morning sickness won't let me have breakfast so that's even sadder.
The Void I
I went through a phase of buying dumb stuff, but it was more because suddenly I had money and not many responsibilities. I grew up more poor than I am now. My current biggest money hole is my flock of chickens.
Actually, fast fashion is hard for many people because they may not be able to afford more expensive, better quality clothing and let's face it, unless you are a true lover of old stuff, most people do enjoy having new pieces of clothing every now and then....
Ah yes, 1 article alone can render breakfast redundant
Totally!!! I cannot be more agreed! I am not a make-up person, not a hand bag person, not a jewelry person, indeed. I cut them out and don't miss them. I had been wondering why as a woman I don't like those kind of things, thank you so so much for telling me this. Yes, women don't have to have these things in her closet. Be true to yourself.
I bought an espresso machine for 50 bucks that work pretty spot on. I am a student who is living at home but I wanted to not pay starbucks at school anymore because I was wasting so much money...so much... Hopefully now this semester I can save a whole lot more and focus on putting my money towards other things
I don't do any of these things. And I'm still broke af sooo?
Sincerelyy Eccentric To be fair, she did say, "11 things I cut from my budget and don't miss..."
Sincerelyy Eccentric, bottom line is spend less than you make. And learn to enjoy it!
get a job lol
Aleksandra I have a job. I work 40+ hours a week. With my disabilities, it's the most I can manage. I live in a dilapidated house which I own. I have no mortgage payments, no house payment, no car payments, most of my clothes are ones I've owned for 20+ years, I shop sales and farmer's markets for food, I only go out for a meal on my and my husband's birthday, I spend less than $500 on Christmas for all my family, I don't have any children, my property taxes are less than $1,600 per year, and I haven't taken more than a day trip vacation in over a decade. I still can't make ends meet.
rachiti you need a new job then
Wait, was the foxfur collar on that coat real foxfur? Gross.
Thank you soo much for saying "there's nothing a woman needs in her closet." I don't wear makeup or jewelry and sometimes I feel weird about it, but why should I waste time and money on something I don't like or care about? I feel super validated so thanks :)
This is not only great financial advice, this is great life advice. 👍🏻
I agree with the breakfast one. Unless I'm really craving something I don't need to eat and a coffee or two keeps me going until about 1 or 2 in the afternoon. As a teenager in highschool I really did need breakfast but even then I was still going an hour or more without it since I had to get up a 5am and didn't get to the school's cafe until 7 when they served breakfast. Cereal and other breakfast companies really do lie to you when they say you *need* breakfast. Know your body, know yourself. If you need it, eat it! If not, there's no shame in it and no one should yell at you for it.
its false to think that at marshall you save money on better quality!
lol agreed.
marshalls and tjx stores are already overpriced. they MAKE UP that "comparable pricing" to justify how overpriced they make it. you THINK you're getting a bargain, but you usually pay the same or even more than the real price.
carefulapathy18 I get my Nike workout gear from Ross/TJ for $7.99-$9.99
1. Fast Fashion
2. Red Meat
3. Dinner Drinks
4. Gym Memberships
5. Novelty Clothing (clothes you buy knowing you won't wear it)
6. Rent in trendy areas
7. Having "let's get drinks" friends
8. Unworn jewelry
9. Breakfast
10. Certain designer make-up items
11. Mailing lists
Acrylic nails! I don’t miss the cost or the constant hassle of having them refilled or replaced.
I am a firm believer in breakfast - but here are both the reason why and the caveat: I believe that, mostly subconsciously, breakfast is so revered because breakfast foods are just magical. I love them. Thusly, I believe in breakfast, but at any time of the day. Only breakfast snobs believe breakfast should just be consumed in the morning. Savages.
whenever I buy a new piece of clothing, I think about whether I can make 3 outfits out if it with other things I already have. if I can't, I won't buy it.
Love this video and the fact that you introduce a more whole-foods based diet to save more money! Eating plant-based and vegan has helped saved me a ton!
My ($80/month) gym membership is the only expensive thing I splurge on for myself, because no matter how I feel or how broke otherwise I am that month, I can entertain and occupy myself by going to the gym. It’s always there for me. An expensive gym membership is well worth it, and yeah, becoming a regular gym goer is something you decide to do, and lifting is actually really fun.
Actually if you have weight problems, eating a breakfast can help you lose weight
Gregory Symko Thank you doctor, I recommend Eat for Life by Harvey Diamond. Extremely helpful.
I have zero in common with this girls life. Non of her suggestions were things I spend money on in the first place .
She is a SPOILED BRAT!
She’s a business owner, and gives anecdotes of her personal experiences and opinions. My life and financial status is not a reflection of hers and I take away what pertains to me.
Magdalena Sacco: Then the video wasn't aimed at you. Good thing is it's not the end of the world.
I’ll admit this is mostly middle class advice
I think there’s a serious lack of financial advice for people who don’t make much
Well damn, Magdalena. A lot of people DO SPEND MONEY on these things. Get over yourself 😑 she just gives advice based on her experiences. If you have nothing in common, don’t watch. Problem solved. No need to bitch about it.
Holiday souvenirs. I know these are not a regular part of the weekly budget, but I've learnt, over many years and occasions, that buying souvenirs from holiday destinations that feel oh-so-right whilst you're there, feel oh-so-what-the-? when you get home. Whether you're buying souvenirs for someone else or for yourself, most of the time you're better off skipping this one. It's likely the recipient isn't going to do anything with your souvenir and neither are you. Take some photos, make memories, learn something from other cultures, donate to local crafters but don't bring home their junk.
loverlyme what about a magnet or Christmas tree ornament? Tree ornaments in my family are reserved for big vacations/events of the year and are a great way to remember where you went. We also do Refrigerator magnets for smaller trips, which are FUNctional.
This is so so true. Pictures would do more than enough!
I just buy a magnet from every place I've been to and put it on the fridge. Then I look at them and remember the nice time I had.
I made a commitment 3 years ago to not buy any makeup until I used up all my makeup! I’ve turned lipstick into blush and powder into eye shadow. I’m finally clearing out space in my tiny bathroom and getting my makeup down to 5 essentials. That I only buy when I run out! It’s been great!
I always look forward to uploads from TFD. Thanks for another great video, Chelsea!
I think this is a great video for people who already have a substantial income.
Me on the other hand has perfected living the broke girl lifestyle.
Also, you can't save your way out of poverty, just saying.
Yes you can. I've lived on a budget far cheaper than I need because I simply didn't want to spend. Poor people spend way too much. I've never needed to save as much money as I do but I know it's doable. I spent $50 on groceries for a week in the most expensive country in the world and it would be around 10-20 dollars in the US. If I can do that a poor person can get out of their rut simply by saving. Stop trying to convince yourself that it isn't that simple. It is, now get yourself a better life and a better job while you're at it because you don't want to live like that forever. And if you cant get a better job, invest the money you save.
I will never miss these things because i will never try them o_o
I really appreciate your videos. I used to buy breakfast and lunch every day. That would cost about $30.00 every day and would have me consuming more calories than needed (coffee drinks). I've switched to cooking at home for about $2.00 per breakfast and approximately $4.00 for lunch. Plus the calories are much lower and aren't empty calories like before. Please keep up the good work.
Assuming a person doesn't want to loose weight, how does skipping a meal make a difference? Said person would still need to eat the same amount of food, just at a different time. That doesn't sounds like savings, just cutting calories if they're not compensated for.
Laura Herzog I recommend Eat for Life by Harvey Diamond. Extremely helpful
the only one of these that I Do spend on is the gym membership. best $20 a month I spend because I do use it. In fact I think the gym might loose money on me, especially if I am showering there instead of at home.
Joanna k if you do actually use it then yes you get your money’s worth but most people don’t. There are much cheaper or free alternatives for the rest of us.
Every time I go shopping, I go directly to the sale corner of the stores 😂 I am very guilty of shopping at fast fashion stores but somehow the clothes I get from those stores last a very long time. Maybe it’s because I’m stingy or something but when I go shopping I would always look at the sales section first.
Thank you for talking like a normal human being while talking about things that are rather important. 👍🏻
skip a meal?? why is that advice. all the other is good but whoa. weird.
juliamissgoolia i always skip a meal and I'm healthy!
juliamissgoolia my thing is I eat when I'm hungry. That's just what works for me.
juliamissgoolia kinda irresponsible of her to suggest that, for the sake of saving money...
I do that too and I'm still alive and I have a nice body
agree. kind of weird to say "oh you want to save money - skip meals and don't buy meat". besides, snacks, that she mentions, usually cost more than a real meal.
You should wear that coat every day it's even slightly chilly it sounds amazing
Connor Halleck I agree
Actually with designer make up, sephora has a pretty good return policy. If you buy a make up item you can return it within a month if its just lightly used (they can use the item as a sample product in their stores if it cant be resold), and you don't damage the packaging. so you can always try it out and if it doesn't work for you, return it.
I gave up getting my nails done. I do my own pedicure in the shower (albeit a quick version), I paint my own toes, and I buy the glue on nails from Sally’s and just give them a coat of gel polish. I get tons of compliments and I’m saving my coin 😊
She is so adorable.
"I thought it would make me a fancier person".
I'm 16 and I wont drink alcohol, because it is bad for the body. I mean, it's allowed for people over 16, but that doesn't mean that's gonna be good for you. I also don't wear make-up and clothes from expensive brands. My shoes are not from nike, adidas, converse... I think it's not necessary to look like all other girl in my school. Also I don't look good in those. I'd rather spend my money for vacation.
Okay heres one that I wouldnt say I dont miss, but that has saved me SO MUCH money and anxiety: a daily coffee out! There is no reason you need to buy a coffee from an expensive coffee chain to be productive, but that's something I wholeheartedly believed deep down while my heartrate rose in line because I also knew I was wasting money I did not have on this. I still buy coffee out weekly, but I'm reducing even that and getting better at making good coffee at home.
Thanks for this. I've only just watched this video but have been making this cut backs in the last 3 months... And it feels good so far.. I eat alot of wholefoods which feel you up for longer, i couldn't skip breakfast or dinner but find eating fruit the day keeps me full. I buy clothes from charity shops, it's about knowing the best long lasting fabrics. no longer go out drinking for health reasons which was hard to start with but has had a positive affect on health and finances. And joined the gym at work which is super cheap compared to others i just to go to. With little changes i have seen bigger positive benefits x
A bunch of these can be summed up as ‘Stop caring about what other people think of you’. I buy clothes I like the look of but are generally functional, if I go out for drinks with work people it’s one or two, every so often. If I’m drinking with friends, it’s always my own booze bought cheap at the supermarket. As for living, I bought a house in an area I could afford that wasn’t rife with crime. I don’t care what people think of my clothes, where I live or how often I drink with them. The kinds of people that would are idiots I have no time for. Red meat is a good one though. It’s expensive for what it is and isn’t that good for you. I eat it maybe once a week and make it a good steak, not an overpriced burger.
^exactly!
Buying used (barely used) off ebay is the best way to save money when it comes to clothing
exactly. and you can get great quality items for much less than you pay for cheap new clothes. just got a classic cashmere winter coat by an expensive brand for 50 bucks and it looks and feels perfect
But how do you know if they are selling an origibal piece ? I love to buy used garments but im too afraid they be rip off 🙄
a lot of good brands like j-crew, eileen fisher, banana republic are very rarely faked, especially if they are simple and older, so i get most of my nice work clothes from ebay without worrying! plus, the quality was waaay better in the past.
Hell ya. This really works for women because so many of us are attracted to the beauty of female clothes rather than the practicality. So we buy those edgy stilettos and realize we had no where to wear them. If you buy items like this retail you really lose out. When I purchase on ebay, I often get the same amount of money back and it all canceled out.
I wouldn't trust it. Be better to buy long lasting durable clothing.
A note on the whole breakfast thing:
While there isn’t any solid research behind breakfast being significant, if you find that eating a substantial meal during the morning improves your quality of life, don’t think you shouldn’t be eating breakfast just because people say you don’t have to. In other words; breakfast might not be the most important meal of the day to someone else but it’s okay if it is for you. All of our bodies work differently and run better or worse with different things. Do what’s best for you.