Nicholas I really enjoy your work. I have been self employed as a professional pet sitter for almost 23 years. I understand wholeheartedly about debt, use of credit cards and the benefit that it brings. I am 65 years old and feel like I have developed a minimalist attitude that becomes more refined with age. I am proud for your success as your content has helped me. Keep up the great work. Sharon in Houston
What I’ve done that helps reduce electricity cost is unplugging appliances or whatever that’s in use often. It’s not a big saver but gotta save wherever we can.
My Mom raised me with a "avoid debt like the plaque"-mindset. 😂 So therefore i had not a single debt (beside necessary monthly payments for car-insurance etc.) in my life and i am greatfull for that. Love your videos❤ Greetings from Germany.
Another great tool for saving money is credit cards, I always put all my expenses on my credit card . If you pick one that has a cash back when you spend, its amazing how much you can make by year end. Of course it needs to be back to zero every month. Great video as always Nicholas💥
I really love your videos and content. My husband and I do many of these things you mention but car insurance is something we’ve never truly looked into trying to reduce. I’ll be exploring that idea now. Thank you!
I'm surprised you didn't mention paying for car insurance by the year instead of by the month. My car insurance company charges significantly less if you pay a year at a time, and you can put the money you would have used for a monthly payment straight into savings, ready for next year.
Nicholas, greetings from Brazil, yes nowadays your videos really given me a ton of value, I've been checking your videos since I think mid 2021 because of my interests on RUclips and you have been recommended to me since then. Sorry to say that but It's a compliment, back in the day I felt tired of the repetition on your videos and how much inserts footage you use again and again, for sometime I even avoided your videos because I was something so slow. But now, for real, your editing style have gotten so nice and smooth and faster to be digested, after the video you talked about your iPad mini and how you use it to make animations I remember I felt a sense of joy every time you drop a new video. Thanks for that evolution through the years, sorry to say your editing style was too slow but for real nowadays the timing is getting perfect (I'm a video editor freelancer myself, and learning too). Someday you should do a video about your animations made on your iPad mini and how you do it, using a screen recorded footage maybe, you don't have to take my advice too serious, just do it If you feel like doing it. Have a nice weekend, sincere congratulations about your evolution since back in 2021.
@@NicholasGarofola Thanks for your reply and de meaningful content. I always wondered If you use a 64GB iPad Mini or the 256gb one, since 2021 I think about getting one just for simple graphic design like you make use of yours, you think the 64gb mode is enough or no? No rush for answering me back, have a nice week !
I love this channel! However I will say that in the past I have aggressively paid off debt at the cost of being able to afford groceries - so don't do that. Debt, something as simple as a pay in 4 for the hair dressers, makes me extremely uncomfortable. I've had family members tell me that I *must* wait until the due date instead of paying it off asap (all for the sake of my wellbeing). So while I'm all for getting debt paid as soon as possible, just remember to correctly budget your day to day around repayments so you don't go skipping meals.
And another general tip for saving money - if you do HAVE to buy something, try and look at any and all second hand options, thrift stores, pawn shops, ect to find something cheaper than a new out of the box item.
You said Geico, have you looked into AAA? I nearly fell out of my chair when I found out how low they are and have been with them for 13 years now. Just a thought.
Unrelated, but.. Have you read "The Power of Letting Go: How to Drop Everything That’s Holding You Back" by: John Purkiss ? Bit of context: I was reading "Essentialism" around the time you've released that video and it stuck with me, so whenever I come across a book, I wonder if you've read it.
Can you tell me what is you chair model/name from the video? I am looking to buy new office chair that is actually comfortable and will not cause me back pain all of the time. Thanks!
Does that mean you don’t have Netflix ? I was recently thinking about deleting my account in order to *aggresively* pay my school loans . I’m just trying to remove all the things that aren’t necessary for me to live every month but… I don’t really go out and I do prefer the shows over some of the contents on RUclips . I just need some motivation 😢
Пиковые часы потребления, ужас какой! Живу в России 5-10$ в месяц за свет, 1$ газ, мобильная связь с безлимитным интернетом 3$, налог за год на собственность 8$
What can I do to bring home more income without affecting any potential tax refund in April and contributions to my 401k without affecting my future retirement?
Hey! RUclips recommended one of your videos, and I must say, you post awesome stuff. I love it, and I want to see you on top! By the way, I was wondering if you or your friends need a video editor or thumbnail designer. I am Mohan, a professional video editor and thumbnail designer with 4.5 years of experience in creating engaging and high-quality videos and thumbnails for RUclips. If not, please reply with "NO" and I will remove you from my follow-up list. Keep creating amazing content! Best regards, Mohan
@@chedoodles yeah I agree. Like when purchasing streaming service, your only giving more money to the greedy corporations who pushed those films out of theaters in the first place.
Love the little innuendos and jokes while remaining completely serious.
Nicholas I really enjoy your work. I have been self employed as a professional pet sitter for almost 23 years. I understand wholeheartedly about debt, use of credit cards and the benefit that it brings. I am 65 years old and feel like I have developed a minimalist attitude that becomes more refined with age. I am proud for your success as your content has helped me. Keep up the great work. Sharon in Houston
“Snap and live off grid”.
Definitely feel that. Subscribed.
What I’ve done that helps reduce electricity cost is unplugging appliances or whatever that’s in use often. It’s not a big saver but gotta save wherever we can.
Your are my Netflix, I spend a lot of time watching your you tube videos whenever i’m free haha
😄
My Mom raised me with a "avoid debt like the plaque"-mindset. 😂
So therefore i had not a single debt (beside necessary monthly payments for car-insurance etc.) in my life and i am greatfull for that.
Love your videos❤
Greetings from Germany.
That clip eating chips made my day hahah ❤
Thanks for sharing, Nick! Gotta organize my finances this year
Another great tool for saving money is credit cards, I always put all my expenses on my credit card .
If you pick one that has a cash back when you spend, its amazing how much you can make by year end.
Of course it needs to be back to zero every month.
Great video as always Nicholas💥
Sounds like you didn’t even watch the video because he talked about it.
@@CharlieO77 jesus christ your right😂 dunno how i missed that one as its the first 🤝🏽😂
Must’ve been distracted💯
That's really effective way , thank you NICHOLAS ❄️😇✌🏼
I really love your videos and content. My husband and I do many of these things you mention but car insurance is something we’ve never truly looked into trying to reduce. I’ll be exploring that idea now. Thank you!
Love this man, such good advice. Simple, and to the point!
Yesterday was Awesome, Jim! Yes, "Optimize!"
I love your videos. It keeps me grounded on my feet. I hope we can all reach financial independence :)
Thanks!
I'm surprised you didn't mention paying for car insurance by the year instead of by the month. My car insurance company charges significantly less if you pay a year at a time, and you can put the money you would have used for a monthly payment straight into savings, ready for next year.
Nicholas, greetings from Brazil, yes nowadays your videos really given me a ton of value, I've been checking your videos since I think mid 2021 because of my interests on RUclips and you have been recommended to me since then. Sorry to say that but It's a compliment, back in the day I felt tired of the repetition on your videos and how much inserts footage you use again and again, for sometime I even avoided your videos because I was something so slow. But now, for real, your editing style have gotten so nice and smooth and faster to be digested, after the video you talked about your iPad mini and how you use it to make animations I remember I felt a sense of joy every time you drop a new video. Thanks for that evolution through the years, sorry to say your editing style was too slow but for real nowadays the timing is getting perfect (I'm a video editor freelancer myself, and learning too). Someday you should do a video about your animations made on your iPad mini and how you do it, using a screen recorded footage maybe, you don't have to take my advice too serious, just do it If you feel like doing it. Have a nice weekend, sincere congratulations about your evolution since back in 2021.
Hey I appreciate the feedback. Sometimes it’s nice to have a break from the overstimulating content, music, etc. thanks for sticking around this long
@@NicholasGarofola Thanks for your reply and de meaningful content. I always wondered If you use a 64GB iPad Mini or the 256gb one, since 2021 I think about getting one just for simple graphic design like you make use of yours, you think the 64gb mode is enough or no? No rush for answering me back, have a nice week !
"not that i watch movies using random links from reddit, but i think they do exist" lmao. nice one
I love this channel! However I will say that in the past I have aggressively paid off debt at the cost of being able to afford groceries - so don't do that. Debt, something as simple as a pay in 4 for the hair dressers, makes me extremely uncomfortable. I've had family members tell me that I *must* wait until the due date instead of paying it off asap (all for the sake of my wellbeing). So while I'm all for getting debt paid as soon as possible, just remember to correctly budget your day to day around repayments so you don't go skipping meals.
And another general tip for saving money - if you do HAVE to buy something, try and look at any and all second hand options, thrift stores, pawn shops, ect to find something cheaper than a new out of the box item.
Well said!
thank you for this videos! it's useful now that i started to earn money
Always drop everything to listen to your latest vid 👍👍
Another great video! I love the ways I save money on my bills too.
I really enjoy your videos. Thank you
Great tips!
Glad it was helpful!
You said Geico, have you looked into AAA? I nearly fell out of my chair when I found out how low they are and have been with them for 13 years now. Just a thought.
Unrelated, but.. Have you read "The Power of Letting Go: How to Drop Everything That’s Holding You Back" by: John Purkiss ?
Bit of context: I was reading "Essentialism" around the time you've released that video and it stuck with me, so whenever I come across a book, I wonder if you've read it.
I haven’t, but it’s added to my list!
Thank you for the video 😃
Just checked my local peak energy usage hours - 7AM to 10PM, aka my entire waking hours. Sad!
Can you tell me what is you chair model/name from the video? I am looking to buy new office chair that is actually comfortable and will not cause me back pain all of the time.
Thanks!
By each vid you create, the most boring stuff, like paying bills, become more fun than before.
p.s: i feel you Nick from 01:50
Usage Hours: If you're already frugal with electricity you might be able to switch to a tiered plan instead of time of use.
Awesome video!
Are you going to go for full Aquaman hair. I find myself wondering if this is now the goal 👊
Give it a go!
pre-ground coffee in the chemex 😭😭
😅
Does that mean you don’t have Netflix ? I was recently thinking about deleting my account in order to *aggresively* pay my school loans . I’m just trying to remove all the things that aren’t necessary for me to live every month but… I don’t really go out and I do prefer the shows over some of the contents on RUclips .
I just need some motivation 😢
It’s £5 a month… I did fire movement but it turns into an obsession.. just pay for it
Gold
Nice video : )
I’m 4
No Dollars /Yes Rubls
Пиковые часы потребления, ужас какой! Живу в России 5-10$ в месяц за свет, 1$ газ, мобильная связь с безлимитным интернетом 3$, налог за год на собственность 8$
I’m 10
What can I do to bring home more income without affecting any potential tax refund in April and contributions to my 401k without affecting my future retirement?
I'm 2
The facial expressions 😂
Hey!
RUclips recommended one of your videos, and I must say, you post awesome stuff. I love it, and I want to see you on top!
By the way, I was wondering if you or your friends need a video editor or thumbnail designer.
I am Mohan, a professional video editor and thumbnail designer with 4.5 years of experience in creating engaging and high-quality videos and thumbnails for RUclips.
If not, please reply with "NO" and I will remove you from my follow-up list.
Keep creating amazing content!
Best regards,
Mohan
hi Whats your mbti type?
Viewing RUclips as a substitute for film is kinda messed up
Right🤣 RUclips has gone down so bad for the past couple years. Piracy is the way to watch films to save money ;)
@@chedoodles yeah I agree. Like when purchasing streaming service, your only giving more money to the greedy corporations who pushed those films out of theaters in the first place.
RUclipsrs are all for profit enterprise so it gets repetitive, Americans have tubi,freevee,cracker,Samsung tv plus ect they are free with ads
Hi Nicholas..
May I ask you in which state you live?
Florida
@@NicholasGarofola
Miami?
Buying used car that u can completely afford is another way of saving yourself from the tedious monthly car payment.
I am 3😂🎉
Living in Hawaii enters the chat....
Boom first comment 😅
Saving money on them haircuts, am I right?! Shiz is starting to look like a majestic mane of bad-assery! #hirsute
I like your content but your B roll always makes me feel dull after watching your videos
You have been making car payments since you were 17? Is your car a Bentley? 😂
4:56 that was Zesty 🧼as hell, Nick
That smooth smooth feeling when your car payment is done. Lessons learnt for sure 🫡
Most definitely!