Success depends on the actions or steps you take to achieve it. Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.., I pray that anyone who reads this will be successful in life!!
Starting early is simply the best way of getting ahead to build wealth , investing remains a priority . I learnt from my last year's experience , I am able to build a suitable life beause I invested early ahead this time .
In fact, I had no prior experience or understanding when I began investing in 2020, but by the end of 2023, I had made a profit of almost $850k. All I had been doing was going by what my financial advisor had told me. This demonstrates that all you truly need is a professional to assist you; you don't even need to be a great investor or put in a lot of work.
*Gertrude Margaret Quinto* is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I agree, that's the more reason I prefer my day to day invt decisions being guided by a invt-coach, it's near impossible to not out-perform, been using a invt-coach for over 2years+ and I've netted over 1.5million
I live in a high cost area (Greater Vancouver, British Columbia, Canada). We have a great public transit system, have tons of free things to do and have lots of choices on grocery stores to find the best deals. I share the cost of a 2 bedroom, 2 bath with large balcony, heat included and have been a long term tenant (living below market rent). There is a zero vacancy rate in this area. I also save money on going to the theatre by sitting in balcony or travelling off season or by purchasing a city attractions pass. One thing I do if I want to visit an amazing beautiful area, I eat before I go, take a travel water bottle, see when there is a local free festival and treat myself to a planned gelato. I live below my means and have a high savings rate. I have also reached the $100K + savings goal even though I am on a fixed disability income. I also belong to local share freely and buy nothing social media groups.
excellent, I am in London and I do the same, we get loads of free movies in the park in the summer, free country shows, free city farms and orchards where people do wassails and sell cheap plants, lots of things are walkable too, also free art galleries, we spend money on a decent flask and large comfy picnic blanket, we buy food at large supermarkets and make quality sandwiches much cheaper than in shops
Great advice. I recently moved to Warsaw (the capital of Poland). When my family found out how much I was paying for rent, they were shocked😂, but thanks to the location, I got rid of my car, I walk everywhere and I use free city bikes.
Almost at 100k subs, this shows the quality of your content! Each of your videos has brought me such value in terms of education on personal finance. Keep on being a success Agustin! 😊
I appreciate it!!! It'll be so crazy to hit 100k as I almost posted my first video 3 years ago. It's been such a journey to get to this point. I've never persevered more for something in my life!
Shopping around is so important! Once I found the right combo of grocery stores, I was able to cut my food budget by 30%. Agree that frugality is also intentionality. Thanks a lot, Austin!
I learned to be frugal from my grandparents who went through the Great Depression. Living with them I saw the profound effect it had on them. Grandma was frugal to the point that when she opened her wallet George and Abe were wearing sunglasses 'cause it's been so long since they saw the light. Clothes were repaired, socks were darned, buttons and zippers were saved and reused, She use the same wax paper and brown bag for her lunch at work everyday until they wore out. She bought whole chickens and cut them up as it was cheaper than pre-cut chicken. They rarely ate out (twice a year maybe). You get the picture and I am happy to apply all this and make do, make it last and repurpose thing. The money I saved and invested led to an early retirement. It's amazing what you can do with the frugal life. Oh, if you are a saver and investor do not pair up with a big spender. It will not work out.
We're living in a pricey area now and moving to a cheaper area. My husband rides the train into the big city where he works. I started a new job. After the training, my drive will be about 10 miles each way (max). I do hang my laundry because my development is more affordable and therefore no HOA. You got a hair cut! I never buy water. God gives it to us for free. Fill a cup and drink it. We have numerous parks we can have picnics in. My phone is a Motorola G phone...very affordable.
I track every penny I spend and I've done that for years. It means that I get the most value for my money. If I buy "fast food' or something to eat out, it's a planned purchase. I always have water in my 2007 vehicle. I plan to keep the vehicle as long as I can get parts for it. My cell phone is 2 years old and was much less expensive new than many cell phones are. I plan to keep it for 3-4 more years and maybe longer. My life is far better than what my income indicates it would be because I know how to get the maximum value for me from my money.
@@Dream-bebe yes, why wouldn't it be if it been taken care of? Seat belts, Airbags, all kinds of monitoring systems. It's been well maintained. We had an oil change done about a month ago and the place that did that ran diagnostics. They said iin all ways it's in excellent condition.
Well done, again! I live in DFW which didn't use to be a high COL area, but is now! I only eat out when meeting friends to socialize. The rest of the week I bring lunch/coffee to work and cook at home. There are many great activities on meetup. Libraries offer great free activities as well--last week I did a terrarium class, going to hear a speaker on Shakespeare for free!
I watching from Johannesburg, SOUTH AFRICA🇿🇦. There is so much waste that you guys in the STATE DO. That, sometime I seat here watching all frugal contents and thinking to myself. This people really know how to enslave themselves. While you guys calling FRUGAL for us its just normal thing. Like coffee you guys make such a big thing to make your own coffee. Here we all drink instant coffee pour coffee, sugar, milk and hot water from the kettle and we are good. We don't own those big coffee machine the trouble to clean, by refil paper bean. That, its for coffee shops not any other home. I go the all week without buying anything. As normal. Here only those who are really rich they have that wastage life. Thanks Al Agustin for the content and growing steadily your channel.
Yeah I see the same, like hanging out your clothes in the line is normal in South America, if is sunny why would you use a dryer? So just wash and dry everything in advance and that’s it, no big deal, we all do coffee at home, get up early just to take time for coffee and breakfast 😅 and so on…
High prices for everything have severely affected my plan. I'm concerned if people who went through the 2008 financial crisis had an easier time than I am having now. The stock market is worrying me as my income has decreased, and I fear I won't have enough savings for retirement since I can't contribute as much as before.
It's recommended to save at least 20% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 20% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of investing in the stock market and potentially grow your retirement savings over time.
It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Melissa Terri Swayne for the last five years or so, and her returns have been pretty much amazing.
Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
Hey hey Austin A Crossfitter here, there is nothing bad paying for CrossFit if you are actually going and training😅 in fact I rather cut off on other things rather than my exercises, at the end of the day it’s my health 😊
I think you do a great job on your content. My only advice to you is you need to eventually remove yourself from the “renting” loop and one day purchase your own dwelling when it makes sense for you.
add to the water bottle / full stomach tip, if you have a car, take a cooler and put snacks in there or just add it to your backpack. I also get tired of drinking just water so I take water enhancers from Aldi or even powder from the big containers (tea, lemonade, etc.)
I live in a small town that caters to tourists because of its location. It was an industrial town in its early history and now relies on tourism and because of that, the prices of food, gas, etc. are higher than in the bigger city about 45 minutes away. We also pay more in our small town because of the lack of competition and because when people are on vacation, they often spend more than they would otherwise. Have you done any videos on being frugal on trips/vacations? Many people take a vacation from being sensible with their funds on vacations. That is o.k. as long as one has budgeted for that. 😉
I suspect that some formerly "care-free" yuppies find your videos quite hair-raising!! They'll have to buckle-up and steel themselves before clicking "play". You provide such a clear and meticulously detailed perspective that it should be impossible for them to deceive themselves and ignore financial realities. There's no room for excuses.
I consider myself frugal but if its a concert I really want to see I will pay up, not the front row but next tier. Funny thing is I did this with gas today, went to my dentist a bit away and prices were 40 cents cheaper so I filled up.
I sold plasma the other day. They put it on a card. I went to the ATM and withdrew the money. I had the money in my wallet when my cousin and I walked to the gas station while waiting for my vehicle to be inspected. First…2 fountain drinks was $4.60. Second, I could not bring myself to spend the money in my wallet. I was thinking, “I sold my blood for this money, there is no way it is going to a pas station fountain drink.” I ended up paying with my debit card. It has become my new standard for buying anything…”is this worth the blood I sold?”
@@53mmPortafilter I DID spend the same but my mindset was different when I was going to part with the cash than it was when I was going to use a debit card.
Anyone out there who bought something Online, thought it was a good deal, just to later find out that you could have saved more money buying the same exact thing elsewhere..?😪 🙋🙆 I hate to loose money, but love saving it.. 😏😅😌
I would agree with all of this. I am in 2 places and one of the places is full of comfortabley off hipsters who waste a lot of money by going to expensive bakeries. we have a very expensive trendy farmers market and it attracts them like mad, we enjoy the expensive farmers market but we don't buy anything there and we live 5 mins walk away. so we enjoy just looking and feeling pleased we can have a nice afternoon out by not buying anything from the farmers market. The independent stalls acharge a lot more just because they are in a trendy area. there are expensive cafes around there too and we don't go to them either but we enjoy others having fun while we just have a picnic in the park or find a low key cafe which doesn't attract the hipsters but the down and outs where it is a lot cheaper and more interesting. Living centrally is really a massive advantage.
Okay I’m DEFINITELY a yuppie lol but yuppie tips: to own a nice car, choose a ‘luxury’ brand that holds up and buy it used ~5 years old. My $20k Infiniti purchased in cash with all leather interior looks nice, but it’s actually very affordable and reliable! Yuppie tip 2: buy ONE luxury item! Ray Bans, Coach purse, Stanley cup- yes I own ONE of each of these and just use the one item all the time for years. Same for jewelry- diamond earrings, necklace, fancy watch? One single piece can be worn daily for a decade and no one will ever know this is your only jewelry, you just look fancy and people with think it’s your favorite! Minimalism can allow nice or materialistic things and frugality to coexist.
Is there a such thing as a frugal yuppie? Because like you, I only buy one luxury item per year. All of these items are timeless classic pieces that makes me look put together but I’ve had them for yearsssss! Great tip!
organise your own social life and start up your own group in a cheap park or place, ,I set up a wellbeng group and we meet once a month in various cheap locations to do cheap stuff like jigsaws, diammond painting, repairing our clothes, wriitng thank you letters etc.
This basically sums up my life. I live in a HCOL area (DC metro area) and live in one of the most expensive counties in the country. However, I live in a house with 3 other roommates, bike everywhere (don’t own a car) since I’m near everything I need, I meal prep and overall have low expenses. Plus, I’m single with no kids/pets. And I don’t have a “keep up with the Joneses” mentality. Like you said, spend money on experiences. I do just that when I save my money for travel 😊
I moved to Syracuse from Atlanta. I couldn't take the traffic. And apartments in central Atlanta are exorbitant! But the thrift stores in Atlanta are GOLD MINES! I do miss those! Free cycling is also big.
I'm currently looking for part-time work, as my full-time (with extra unpaid hours) - is costing me too much time and energy - it's not fun and there's no joy. My co-manager has a garage full of "stuff" - irresistible bargains, and his living costs are 5x as much as mine. I can afford to live on less. He can't.
You maybe right - however in my case if I decide to stay near where I work my rent would be double of what I’m paying right now. I work 14 - 15 days a month - my gas expense of driving 100 km a day for 14 - 15 days comes to roughly only 25-30 % of the difference in rent, if I were to stay closer. So in my case staying farther makes sense. Moreover where I stay I do get everything as it’s a central location.. ❤ Great as usual El Agustin.. ❤ Ofcourse driving is surely a bother.. 😩
Excellent video! I'm curious: have you ever explored the possibility of ridding yourself of your car altogether? Could you rely on rideshare apps for the times you really need to travel, or something like Zipcar? Would the savings from not having a car (insurance, loan payments , parking -- if you pay extra for parking, gas, etc.) outweigh the cost of occasionally renting a car or grabbing an Uber? Might make an interesting video!
It would limit me too much. If I was in NYC or something I could get away with it, but I couldn't visit friends or family outside of my area as much. It does suck to pay so much for insurance, but outside of that I own my car, it's in good condition, and I use like a tank a month so it's not an out of control expense. Paying for parking is crazy in the cities though!
Oh my! I fell off the wagon and charged some items instead of paying out of my savings. I am finally building my savings up and it's like I don't ever want to touch it, even for things I need. Help!
I find people trash higher value things in higher value areas... time to check out freecycle, marketplace, kerbside clearances etc and make the most of other peoples' wastefulness.
Austin, just curious I know you’re a world traveler, what are your thoughts on becoming an expat, because I can’t seem to think of a better way to beat these ridiculous living costs here than that? Thanks
After being abroad for 2 years in Ecuador, I just want to be back here. Living in another country is hard as you have to adjust culturally and you always feel like you're an outsider. It is much cheaper and your money goes further abroad though
It's in the video I mentioned in the description. The video is titled, "Budgeting For Beginners | How To Create A Budget From Scratch (2024)." I walk you through the spreadsheet in the video!
Learn to cook and make good coffee with or without/o a fancy coffee machine (simple French press is best). The quality of the beans is factor No 1. Benefits: you’ll not only save money, you’ll eat better quality food and lose weight. Promise
haha, I really put it off. Since I moved to a new area, I don't have my go to barber, so I was a bit lazy to get it cut. After a while it doesn't feel good how long it is and really bothers me so I found a place for the time being!
I live in a village about 20 km from Eindhoven, and my house at the very far end in the west direction, so I decided long time ago ( 10 years ago ) to stop driving cars of all or any kind of cars. From that time till now I use E-bike , it's very easy to move and you can your groceries done very well..
City life is not for me ! I need a car but once other week. My heating is wood, my kitchen garden provides us all year round and cultural life comes to us. Rural living expenses are cheaper in my country and I love my life.
You got hexagon wall shelves for plants and another indoor plant in the background. Is that really frugal? We can barely afford regular furniture or food while working two jobs, let alone miniature indoor plants and shelves to hold them on a wall.
we missed going to the ballet in London but we managed to find cheap seats, we were in the balcony too and it was fine. we were at the back and near the loos too just in case lol
I love how he looks like he’s dancing to tango or sals while sitting there talking lol it’s like he’s making love to the camera!🤣🤣🤣 Love it and thanks for all the tips!!!❣️😘🤗🙏
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THANKS FOR 90,000 SUBSCRIBERS!!
You will have more in the future!!
Well deserved.
Congratulations! 🎉
Your so pleasant!
Wow way to go, Austin!!!
Success depends on the actions or steps you take to achieve it. Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.., I pray that anyone who reads this will be successful in life!!
Starting early is simply the best way of getting ahead to build wealth , investing remains a priority . I learnt from my last year's experience , I am able to build a suitable life beause I invested early ahead this time .
Exactly ! That's my major concern and what lucrative investment can one venture into with the current rise in economic downturn
In fact, I had no prior experience or understanding when I began investing in 2020, but by the end of 2023, I had made a profit of almost $850k. All I had been doing was going by what my financial advisor had told me. This demonstrates that all you truly need is a professional to assist you; you don't even need to be a great investor or put in a lot of work.
@@mikegarvey17who is your advisor please, if you don't mind me asking?
*Gertrude Margaret Quinto* is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Thank you for this! I also just moved to an inner city region and I’m trying not to freak out about how much my expenses have increased!
Saving and investing wisely while prioritising necessities and a few small luxuries in relation to one's total assets is a great approach.
I get your point about investing, but where do you even start if you're not familiar with any?
@@Crazytoken908 You're spot on. Knowing where to invest can be daunting, especially if you're new to the game.
I agree, that's the more reason I prefer my day to day invt decisions being guided by a invt-coach, it's near impossible to not out-perform, been using a invt-coach for over 2years+ and I've netted over 1.5million
@@Nicholas.Durante Wow, that's amazing! Would you mind sharing the name of your recommended advisor?
I live in a high cost area (Greater Vancouver, British Columbia, Canada). We have a great public transit system, have tons of free things to do and have lots of choices on grocery stores to find the best deals. I share the cost of a 2 bedroom, 2 bath with large balcony, heat included and have been a long term tenant (living below market rent). There is a zero vacancy rate in this area. I also save money on going to the theatre by sitting in balcony or travelling off season or by purchasing a city attractions pass. One thing I do if I want to visit an amazing beautiful area, I eat before I go, take a travel water bottle, see when there is a local free festival and treat myself to a planned gelato. I live below my means and have a high savings rate. I have also reached the $100K + savings goal even though I am on a fixed disability income. I also belong to local share freely and buy nothing social media groups.
excellent, I am in London and I do the same, we get loads of free movies in the park in the summer, free country shows, free city farms and orchards where people do wassails and sell cheap plants, lots of things are walkable too, also free art galleries, we spend money on a decent flask and large comfy picnic blanket, we buy food at large supermarkets and make quality sandwiches much cheaper than in shops
Great advice. I recently moved to Warsaw (the capital of Poland). When my family found out how much I was paying for rent, they were shocked😂, but thanks to the location, I got rid of my car, I walk everywhere and I use free city bikes.
I'm living in Warsaw too and my family is laughing at me thinking I'm dumb I have chosen such an expensive place for no reason 😶
yes, a car isn't necessary for many of us, such a waste of money and they get stolen in cities all the time
Almost at 100k subs, this shows the quality of your content! Each of your videos has brought me such value in terms of education on personal finance. Keep on being a success Agustin! 😊
I appreciate it!!! It'll be so crazy to hit 100k as I almost posted my first video 3 years ago. It's been such a journey to get to this point. I've never persevered more for something in my life!
@@ElAgustin You should do a video on what you've learned for those starting :D
Shopping around is so important! Once I found the right combo of grocery stores, I was able to cut my food budget by 30%. Agree that frugality is also intentionality. Thanks a lot, Austin!
Change your eating habits by the season and save money by choosing fresh choices on sale and don't buy much else ✅
I learned to be frugal from my grandparents who went through the Great Depression. Living with them I saw the profound effect it had on them. Grandma was frugal to the point that when she opened her wallet George and Abe were wearing sunglasses 'cause it's been so long since they saw the light. Clothes were repaired, socks were darned, buttons and zippers were saved and reused, She use the same wax paper and brown bag for her lunch at work everyday until they wore out. She bought whole chickens and cut them up as it was cheaper than pre-cut chicken. They rarely ate out (twice a year maybe). You get the picture and I am happy to apply all this and make do, make it last and repurpose thing. The money I saved and invested led to an early retirement. It's amazing what you can do with the frugal life. Oh, if you are a saver and investor do not pair up with a big spender. It will not work out.
That's my mom right there😂
I splurged on my bicycles,bike riding on the beaches of Florida are my ultimate experience
,I don't even go on vacations...
Wow I really love the idea of not spending during the week, and then spending on the weekends. Thank you so much.
We're living in a pricey area now and moving to a cheaper area. My husband rides the train into the big city where he works. I started a new job. After the training, my drive will be about 10 miles each way (max). I do hang my laundry because my development is more affordable and therefore no HOA. You got a hair cut! I never buy water. God gives it to us for free. Fill a cup and drink it. We have numerous parks we can have picnics in. My phone is a Motorola G phone...very affordable.
What do you mean by 'hang your laundry'? Are you referring to a clothesline?
Also I only thrift my clothes and don’t buy any clothes unless I absolutely need them. It’s almost been a year since I’ve purchased any 😊
Love it! I only buy my clothes at yard sales and thrift stores, l never buy new anymore. And my husband retired from Marshall's!😆
Thats so hard but I need to do that so badly
I’m doing a clothing no-spend in 2024. So far so good.
I wear my clothes til they are trash and I repair them with basic sewing skills. And a cheap kit. But I do buy my clothes new
😂 thrift what that means. I buy on sale. 20$ for 100$ pair
I track every penny I spend and I've done that for years. It means that I get the most value for my money. If I buy "fast food' or something to eat out, it's a planned purchase. I always have water in my 2007 vehicle. I plan to keep the vehicle as long as I can get parts for it. My cell phone is 2 years old and was much less expensive new than many cell phones are. I plan to keep it for 3-4 more years and maybe longer. My life is far better than what my income indicates it would be because I know how to get the maximum value for me from my money.
A 2007 car is it safe ?
@@Dream-bebe yes, why wouldn't it be if it been taken care of? Seat belts, Airbags, all kinds of monitoring systems. It's been well maintained. We had an oil change done about a month ago and the place that did that ran diagnostics. They said iin all ways it's in excellent condition.
Well done, again! I live in DFW which didn't use to be a high COL area, but is now! I only eat out when meeting friends to socialize. The rest of the week I bring lunch/coffee to work and cook at home. There are many great activities on meetup. Libraries offer great free activities as well--last week I did a terrarium class, going to hear a speaker on Shakespeare for free!
I watching from Johannesburg, SOUTH AFRICA🇿🇦. There is so much waste that you guys in the STATE DO. That, sometime I seat here watching all frugal contents and thinking to myself. This people really know how to enslave themselves.
While you guys calling FRUGAL for us its just normal thing.
Like coffee you guys make such a big thing to make your own coffee. Here we all drink instant coffee pour coffee, sugar, milk and hot water from the kettle and we are good.
We don't own those big coffee machine the trouble to clean, by refil paper bean. That, its for coffee shops not any other home.
I go the all week without buying anything. As normal.
Here only those who are really rich they have that wastage life.
Thanks Al Agustin for the content and growing steadily your channel.
Yeah I see the same, like hanging out your clothes in the line is normal in South America, if is sunny why would you use a dryer? So just wash and dry everything in advance and that’s it, no big deal, we all do coffee at home, get up early just to take time for coffee and breakfast 😅 and so on…
Yep also totally agree with you
Coffee is life, dude....
Although I have seen the most expensive cars in SA? It's unreal but other aspects are exactly as you put it
Keep them coming, remind us from time to time.
High prices for everything have severely affected my plan. I'm concerned if people who went through the 2008 financial crisis had an easier time than I am having now. The stock market is worrying me as my income has decreased, and I fear I won't have enough savings for retirement since I can't contribute as much as before.
It's recommended to save at least 20% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 20% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of investing in the stock market and potentially grow your retirement savings over time.
It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
That's fascinating. How can I contact your Asset-coach as my portfolio is dwindling?
Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Melissa Terri Swayne for the last five years or so, and her returns have been pretty much amazing.
Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
Hey hey Austin A Crossfitter here, there is nothing bad paying for CrossFit if you are actually going and training😅 in fact I rather cut off on other things rather than my exercises, at the end of the day it’s my health 😊
i helped get an outdoor gym in our village so I use that, gyms are so expensive and they are a bit boring
Using cash rather than credit cards saves a lot of money too.
👍🏼
Definitely! Also having some spare coins to use up first
How?
Living in a HCOL city isn't nearly as expensive as people make it out to be. Your frugal living suggestions are on point.
I think you do a great job on your content. My only advice to you is you need to eventually remove yourself from the “renting” loop and one day purchase your own dwelling when it makes sense for you.
Tienes toda la razón, siempre se puede ahorrar en algo, sin importar cuanto ganes. Saludos Agustín 😊
add to the water bottle / full stomach tip, if you have a car, take a cooler and put snacks in there or just add it to your backpack. I also get tired of drinking just water so I take water enhancers from Aldi or even powder from the big containers (tea, lemonade, etc.)
Austin sir, you are brilliant. Great media personality too. I’m recommending this video and the channel to the people I care about.
You always provide such unique and useful tips that are actually impactful instead of an elongated list!
Always buy used or repurposed! Good for your budget and good for environment😊
I live in a small town that caters to tourists because of its location. It was an industrial town in its early history and now relies on tourism and because of that, the prices of food, gas, etc. are higher than in the bigger city about 45 minutes away. We also pay more in our small town because of the lack of competition and because when people are on vacation, they often spend more than they would otherwise. Have you done any videos on being frugal on trips/vacations? Many people take a vacation from being sensible with their funds on vacations. That is o.k. as long as one has budgeted for that. 😉
I suspect that some formerly "care-free" yuppies find your videos quite hair-raising!!
They'll have to buckle-up and steel themselves before clicking "play".
You provide such a clear and meticulously detailed perspective that it should be impossible for them to deceive themselves and ignore financial realities. There's no room for excuses.
I consider myself frugal but if its a concert I really want to see I will pay up, not the front row but next tier. Funny thing is I did this with gas today, went to my dentist a bit away and prices were 40 cents cheaper so I filled up.
I sold plasma the other day. They put it on a card. I went to the ATM and withdrew the money. I had the money in my wallet when my cousin and I walked to the gas station while waiting for my vehicle to be inspected. First…2 fountain drinks was $4.60. Second, I could not bring myself to spend the money in my wallet. I was thinking, “I sold my blood for this money, there is no way it is going to a pas station fountain drink.” I ended up paying with my debit card. It has become my new standard for buying anything…”is this worth the blood I sold?”
Yikes
You still spent the same amount. Mental accounting is a fallacy.
@@53mmPortafilter I DID spend the same but my mindset was different when I was going to part with the cash than it was when I was going to use a debit card.
Solid advice. you are the best thing since sliced bread.
I keep a granola bar in my purse lol. If I’m being thrifty and starving I’ll get a bean burrito at Taco Bell
Sames. If I know I’ll be out for awhile doing errands I’ll pack a snack too.
I do the same but I will buy a samosa or toasted bagel to tied me over.
yes, I am starting to do that, some of them are quire cheap. we like the Naked bars in the Uk and fruit bakes.
If I’ll be out for a while, I’ll just pack a bottle of water and wait until I get home for my next meal.
Sounds like a great, nutritious plan for a long life, genius.
I always called myself a YUFFIE, not a YUPPIE. YUFFIE is a Young Urban Failure.
brilliant
You can still be frugile on lots or little. I agree. It's all about choices. Im so tired of people saying they can't , just say you won't !!
So True! I recently Wintered in South Texas in the city after living rurally in Kansas. Very doable.
I ❤ your channel.
Anyone out there who bought something Online, thought it was a good deal, just to later find out that you could have saved more money buying the same exact thing elsewhere..?😪 🙋🙆 I hate to loose money, but love saving it.. 😏😅😌
You most likely live by Ponce city market near the beltline. Or midtown
“Enjoying all the modern luxuries”… shows a McDonald’s meal 😂😂😂
I thought it was funny too!
McDonald's is above my price range. 😄
@@danicegewiss862$20 for a Big Mac is too much 🙄, eat it fast or it turns back into the plastic it came from.
I would agree with all of this. I am in 2 places and one of the places is full of comfortabley off hipsters who waste a lot of money by going to expensive bakeries. we have a very expensive trendy farmers market and it attracts them like mad, we enjoy the expensive farmers market but we don't buy anything there and we live 5 mins walk away. so we enjoy just looking and feeling pleased we can have a nice afternoon out by not buying anything from the farmers market. The independent stalls acharge a lot more just because they are in a trendy area. there are expensive cafes around there too and we don't go to them either but we enjoy others having fun while we just have a picnic in the park or find a low key cafe which doesn't attract the hipsters but the down and outs where it is a lot cheaper and more interesting. Living centrally is really a massive advantage.
Okay I’m DEFINITELY a yuppie lol but yuppie tips: to own a nice car, choose a ‘luxury’ brand that holds up and buy it used ~5 years old. My $20k Infiniti purchased in cash with all leather interior looks nice, but it’s actually very affordable and reliable! Yuppie tip 2: buy ONE luxury item! Ray Bans, Coach purse, Stanley cup- yes I own ONE of each of these and just use the one item all the time for years. Same for jewelry- diamond earrings, necklace, fancy watch? One single piece can be worn daily for a decade and no one will ever know this is your only jewelry, you just look fancy and people with think it’s your favorite! Minimalism can allow nice or materialistic things and frugality to coexist.
Is there a such thing as a frugal yuppie? Because like you, I only buy one luxury item per year. All of these items are timeless classic pieces that makes me look put together but I’ve had them for yearsssss! Great tip!
Why did you leave Colorado? It looks beautiful and i thought you were very keen on the outdoors?
I wonder same - I was one of the originalsubscribers and remember that as well
All of these tips / hacks are exactly correct thanks Mr Williams ✅✌️
organise your own social life and start up your own group in a cheap park or place, ,I set up a wellbeng group and we meet once a month in various cheap locations to do cheap stuff like jigsaws, diammond painting, repairing our clothes, wriitng thank you letters etc.
This basically sums up my life. I live in a HCOL area (DC metro area) and live in one of the most expensive counties in the country.
However, I live in a house with 3 other roommates, bike everywhere (don’t own a car) since I’m near everything I need, I meal prep and overall have low expenses. Plus, I’m single with no kids/pets. And I don’t have a “keep up with the Joneses” mentality.
Like you said, spend money on experiences. I do just that when I save my money for travel 😊
I love you and your content, Agustin! Have a wonderful day!
Not being a snob is hugely helpful :)
I moved to Syracuse from Atlanta. I couldn't take the traffic. And apartments in central Atlanta are exorbitant! But the thrift stores in Atlanta are GOLD MINES! I do miss those! Free cycling is also big.
I'm currently looking for part-time work, as my full-time (with extra unpaid hours) - is costing me too much time and energy - it's not fun and there's no joy. My co-manager has a garage full of "stuff" - irresistible bargains, and his living costs are 5x as much as mine. I can afford to live on less. He can't.
👑 Frugal 👑 KinG 👑
Austin,great tips and cool haircut.I save on barbers by doing a buzzcut,think you would look good.
He’ll look good whatever. But buzz cut? NO.
Good video. Have you ever done a video on clothing. Like how many items you have or quality of clothes vs quantity?
You maybe right - however in my case if I decide to stay near where I work my rent would be double of what I’m paying right now. I work 14 - 15 days a month - my gas expense of driving 100 km a day for 14 - 15 days comes to roughly only 25-30 % of the difference in rent, if I were to stay closer. So in my case staying farther makes sense. Moreover where I stay I do get everything as it’s a central location.. ❤ Great as usual El Agustin.. ❤
Ofcourse driving is surely a bother.. 😩
Don't throw away your shot, Augustin 💛
I'm just like my country I'm young, scrappy, and hungry, and I'M NOT THROWING AWAY MY SHOT!
Excellent video! I'm curious: have you ever explored the possibility of ridding yourself of your car altogether? Could you rely on rideshare apps for the times you really need to travel, or something like Zipcar? Would the savings from not having a car (insurance, loan payments , parking -- if you pay extra for parking, gas, etc.) outweigh the cost of occasionally renting a car or grabbing an Uber? Might make an interesting video!
It would limit me too much. If I was in NYC or something I could get away with it, but I couldn't visit friends or family outside of my area as much. It does suck to pay so much for insurance, but outside of that I own my car, it's in good condition, and I use like a tank a month so it's not an out of control expense. Paying for parking is crazy in the cities though!
Just shared this video with my Gen Z son. Thank you 👍
Oh my! I fell off the wagon and charged some items instead of paying out of my savings. I am finally building my savings up and it's like I don't ever want to touch it, even for things I need. Help!
Be strong, friend, you got this.
Lets go! A new el Agustin video!
Fantastic advise Austin
Congratulations on the move to Atlanta, what made you move from Colorado to Atlanta?
I made a video about it right when I moved called, "I got rid of everything I own and am starting over (huge life update)"
Awesome! I'll check out that video!!.. I'm a big fan of your videos
Love the new haircut!
This made me quickly look up gas prices at all the gas stations in my city
I find people trash higher value things in higher value areas... time to check out freecycle, marketplace, kerbside clearances etc and make the most of other peoples' wastefulness.
Austin, just curious I know you’re a world traveler, what are your thoughts on becoming an expat, because I can’t seem to think of a better way to beat these ridiculous living costs here than that? Thanks
After being abroad for 2 years in Ecuador, I just want to be back here. Living in another country is hard as you have to adjust culturally and you always feel like you're an outsider. It is much cheaper and your money goes further abroad though
Hello, Agustín ! Can you share a template of that spreadsheet you showed in a drive ?
It's in the video I mentioned in the description. The video is titled, "Budgeting For Beginners | How To Create A Budget From Scratch (2024)."
I walk you through the spreadsheet in the video!
Happy Monday you Georgia 🍑
Learn to cook and make good coffee with or without/o a fancy coffee machine (simple French press is best). The quality of the beans is factor No 1. Benefits: you’ll not only save money, you’ll eat better quality food and lose weight. Promise
I love your Yuppie tip! 😂 🤣 💙
It's such a funny word.
outstanding content! just know i will be showing this to my students (hs seniors) THANK YOU! 👩🏾🎓👩🏾🎓👨🏾🎓👨🏾🎓
Thanks for watching!!
Augustine, happy new haircut. I'm assuming you haven't taken frugal living to the next level and have been to the barbers 😂
haha, I really put it off. Since I moved to a new area, I don't have my go to barber, so I was a bit lazy to get it cut. After a while it doesn't feel good how long it is and really bothers me so I found a place for the time being!
How does one enjoy what life has to offer, while building wealth.
$3.90 a gallon? WOW- I just paid $5.40 in northern CA.
Love that thick southern accent ❤
Great hair cut
I love the first tip ✌️
Any thoughts on stealing toilet paper from restaurants?
Bwahahahahahha🤣🤣🤣 You’re so funny!!! Lol love it❣️😘🙏🤣
I beat u to it bruh ... I been doin all that for 9yrs now n paid off all debts 3yrs ago
I hope you go viral soon. You’re always on point and timely. How is Star?? 😊
Haha the first 50 seconds made me subscribe 😊
I live in a village about 20 km from Eindhoven, and my house at the very far end in the west direction, so I decided long time ago ( 10 years ago ) to stop driving cars of all or any kind of cars. From that time till now I use E-bike , it's very easy to move and you can your groceries done very well..
City life is not for me ! I need a car but once other week. My heating is wood, my kitchen garden provides us all year round and cultural life comes to us. Rural living expenses are cheaper in my country and I love my life.
Why did you move to a higher costarea?
$3.20-$3.90 for gas is cheap!!!🤯I’m paying $5.30 for the cheapest gas in a “normal” area in LA! I bet gas is $7+ in West LA!
Don't ask for German gas prices... 7.25 Dollar/gallon is a very normal price all around the country.
@@solidstate9451 ouch…that’s painful!
@@solidstate9451same in Hungary, and our wages are shit compared to Germany.
I’d be jumping for joy if I found gas for $3.90. 😁
I’m also paying way over $5.00 a gallon where I live in SoCal.
O.k. today I saw at the gas station 7.73 Dollar/Gallon
You got hexagon wall shelves for plants and another indoor plant in the background. Is that really frugal? We can barely afford regular furniture or food while working two jobs, let alone miniature indoor plants and shelves to hold them on a wall.
Being bitter & hostile is not an attractive trait. It's no one else's fault if you"re not bright enough to figure out how to increase your income.
You don’t know where he got them. Yard sale? Thrift store? Gift? Many plants can be started with cuttings from friends.
Workout at home a lot cheaper
no such thing as god
I have learned alot
You are talking about 15 Minute Cities. They are building them here in my residential neighborhood within the next 10 years. Anna In Ohio
You don’t take any of it with you. Just enjoy your life.
we missed going to the ballet in London but we managed to find cheap seats, we were in the balcony too and it was fine. we were at the back and near the loos too just in case lol
I’m glad I discovered your channel, fun for all ages.
Do you miss Colorado
Wonderful
I consider myself a Kuppie, a kinky urban professional.
A good e-bike would do you good.
I love how he looks like he’s dancing to tango or sals while sitting there talking lol it’s like he’s making love to the camera!🤣🤣🤣 Love it and thanks for all the tips!!!❣️😘🤗🙏
My clothes are expensive. I pay cheap
What income amount would you say will allow you to not be frugal while in a high cost of living area?
What do you do to earn money Austin? Do you have a JOB?
Thanks
I’m not frugal. But your a cool kat🎉👍😊