@@michalluptak7836 That single month in december, if you bought bitcoin then, then you would've lost a lot. Almost any other moment and right now you would be in profit.
I'm a wealth manager for a living (ignore the goofy profile pic, I also like shitposting and the internet.. unfortunately) Never! Ever! Invest in something you don't understand. Bitcoin is no exception. Investing without understanding = gambling
When it's things we don't typically buy, my husband and I will search the object on google to compare prices 🤣 sometimes standing in the aisle for 10 minutes just trying to figure out if it's worth it
Or you could live off your parents and invest all your money for your retirement, and ask your parents for money to raise your kids and invest all your income in stable stocks or real estate. As long as your parents are fine with it, obviously you spend time with them and help them do things when they ask you.
10 things: 1. Items on sale 2. Drinks 3. Books 4. Overbuying food 5. Car 6. Extended warranty 7. Staying in hotels 8. Buying souveniers 9. Investing in things you don't understand. 10. Branded items
Regarding "on sale", DO try to buy something on sale, but only AFTER you've decided to buy the thing. Trying to WAIT until the thing goes on sale also gives you time to further consider the decision to buy at all.
Chris J I agree I save all year for Black Friday. I make my plans to purchase certain items that I need and when the date comes I get those items at significant discounts. Then because of the long wait many things on my list don’t make the cut so I don’t buy them. 👏🏾
that's great advice right there When it comes to sales, I only search for items I'd buy at that moment anyway For example, since I buy necessities such as toilet paper or yogurt, I'd buy a certain brand if it's on sale and the quality of is worth it Plenty of bargains are actually fake sales, when the discounted price is actually not that much lower (it's just been lowered from a higher tag for the sale effect) Just like Nate said, you're not saving $800, you're in fact spending $400 - since you wouldn't have spend that money anyway
Things you shouldn't buy: - Sale items you don't need - Coupons - A car - Drinks & Alcohol - Books - Too much food - Warranties - Souvenirs - Hotel rooms (use hostels) - Investing in things you don't understand
@@clerklerp8458 because... If you buy a car you'll have a lot of things to spend with... You'll be wasting your money Mostly buy a car isn't necessary... You can save a huge amount of money instead... Buy a car can be useless sometimes But it will depend on of each situation... Look, if you buy a car you'll have a lot of money to spend with
@@clerklerp8458 the no car works for him because he lives in a relatively urban area. if you live in the rurals or suburbs, it's probably a good idea to have a car
But on the other hand, in the US at least, you can use your car to make money in your off time with contractors such as doordash, uber eats, etc. At my old job I would make ~$600 a week before taxes, but about 2-4 days a week I would go doordash (most popular in my region) for just a couple of hours. If you are familiar with your car in terms of maintenance, condition, and efficiency you can easily minimize excessive miles and gas economy. This easily boosted me over $300+ extra a week after expenses. If you learn how to maintain your car personally (common things at the least such as oil/filter changes, tire rotations, etc.) your miles will pay for themselves and you will definitely save on maintenance costs.
@@BimmertechG01 righttt.. i actually do uber eats and door dash and have made more money than a regular job.. and still am conservative as this guy.. today having a car is actually an asset or a tool to make just as much money... especially when he says he spends $100 a month...100x12=$1200... and that can literally buy you a cheap car to do these kinds of jobs or a good down payment for a decent job and your extra earned money pays the monthly car note and insurance.. so i get what he saying especially if you're single and young like him no children not married and make money through youtube obviously then that works.. but if you don't have those things and you have kids, then that portion of the video about a car is not for you.. he will learn when his time comes with a family he will NEED A CAR.. NO MORE UBER TRUST ME BUD... BUT NEVERTHELESS AGAIN FOR SOME AND HIS SITUATION GREAT VIDEO
John Dough not really , you spend $2 on that cheap roll of toilet paper that rips when you use it, now you gotta pay $4 for the good one and you wasted $2.
Story time: about 3 weeks ago, my wife and I decidedly to do something I swore I'd never do, which was buying a brand new car (actually, a dealer demo, so it was a good deal). Anyway, as we went over our budget to find out if we could afford it, we found out we were spending literally hundreds of euros a month on delivery and take out. To make it worst, it wasn't even fancy restaurants, but mostly "cheap" stuff. Since then we have been making almost every single meal at home, we have saved a lot of money and we actually eat better and healthier than before.
"It's something people can't really take away. You can take away somebody's money, you can rob somebody, but it's difficult to take away people's knowledge that they have in their brains". That's the reason why I decided to become a teacher, and every time a student asked me why I was a teacher, I answered that. With those exact words.
It also helps when you have no refrigerator but I know this does not apply to all people. As for me, having no ref means I won't buy food that won't last long and it saves on electricity as well.
Well, I just freeze stuff that I know otherwise would go bad. It's healthier than eating some processed monstrosity that you can keep on shelf for years.
@@St4Jimmy hey man, could you give away some ways in which you saved/decreased expenses? I am studying in the netherlands as well and looking for things I could easily save money on as a student. Would love to know!
This is actually true. Used to buy stuff, fancy car, bla bla bla. Loks like I have money while i did have belly anything at my account. Now i do not buy anything, no car ppl thinks i have shit. Wrong, My account is stacking like crazy. And it feels good to have this financial backup. It is media who wants all your money while giving you stuff you dont really need,
Your car idea is so true, I found that out by accident. I started saving super quick after I wrecked my car. Instead of immediately going out and buying another one I just walked to work for a while. Then once I realized how much money I was saving by not having a car (maintenance, impulse buying, fast food) I didn’t buy another one. In 1 year I was able to save $9,000 from a $15 an hour job. The year after that I was able to save $11,000 in total. Headed to $30k and still don’t have a car!😁
I seriously applaud you for being an emotionally intelligent young adult in this modern society. We need more guys like you. A treasure, your mindset i mean.
I just started saving in January (one month ago) and I already have $300+ saved. You are helping me so much! Thanks 😊 my goal is to hit $10k+ by the end of the year.
I’ve never owned a car in my life and It’s been a big benefit. Rents always paid and I get to spend that money on things that I wanna do. Not worrying about insurance, gas, and repairs. Depends on where you live. Live close your job and live in the city.
Can confirm, having a car is the biggest money drainage in your savings, for a regular job of course. Just hope that your car will last you long enough so that you don’t need to spend all your savings for a new one
This is simply not an option for the many people who do not live in large cities with public transit systems. Where I’m from, in South Texas, not having a car will severely limit one’s job opportunities, as well as quality of life. Of course, one does not need to buy the most expensive vehicle and be tied to making $500+ payments per month for 5 or so years, it’s simply a way to get from point a to point b and we should always remember that.
I live in the country and need a car for work, any local town that has anything of worth is also a 20minute drive, public transport is 1. Fucking gross here. And 2 only run every 1 and a half hours, i also hated living in birmingham on weekends visiting relatives and taking public transport there.
Thank you for highlighting the car-free lifestyle option!! Very doable in an urban setting, living less than 5 blocks from public transportation, biking for local errands. Reduces pollution!!
While there are people who "extreme coupon" and buy things they don't need and hoard stuff, that doesn't describe every coupon user. I started using coupons recently to buy only items that I really need, mostly groceries, and it's saved me a lot of money. I saved $20 dollars on my last grocery trip using coupons.
Larry Massa true to a point. But if I can get 4 shower gels for the price of 2 I’m gonna get it using coupons. Because I’ll for sure use those extra shower gels later on so I would be saving money.
When it comes to SALE, I already know what I need/want to buy. I just wait till SALE to get it. Never buy something without planning just because its on SALE.
Nate, you always downplay your expertise “I’m just a guy on the internet offering financial advice”. You are exceptionally bright. At 21, you figured out things that took me until my mid 30s to figure out! And yet I still cannot articulate the same points as well as you’ve done in this video.
I like the idea of minimalism as well and I am pretty good with managing my own budget, but do you ever feel weird urges to buy things after a while of not spending much money?
The whole minimalism lifestyle really just helps u to think about what u really need that u keep and rest donate, sell , or toss out. so not spending helps to save cause u not buy any u not need. i sure he sees stuff he might want, but thinks before he gets so he not getting anything he does not need any.
I rented dark Phoenix on my cable box it was amazing now I find it hard not to buy it and add it to my complete x-men collection :( I will try my best to wait for it to go on sale wish me luck!
It really is fascinating how much economic stability and sustainability are similar!! Almost everything on this list can apply to both sustainability and money saving.
yup, i mean what looks better: Dropping the price of $100 shoes to $80 and offering 20% sale or first raising the prices, quick and so that barely anyone notices to $120 and then put them them down to $80 and offer 33% sale. i don't blame them, the people are too damn naive and need to actually use their brains from time to time.
I always thought I needed a car- I'm carless right now during the pandemic and I'm actually feeling good about it. I may not buy a car this year unless I have some passive income coming in to pay for the vehicle in full. Thanks, Nate! This is a helpful video.
As an older guy that admires Nate's drive, ambition, and early success, I urge everyone to remember that he's 21. Make sure that the life advice you receive comes from a diverse collection of people that you trust. keep up the good work Nate.
The one souvenir I buy when I travel is a fifty-cent postcard from that city that I send to myself. Cheap, authentic, doesn't take a lot of space and really personal and meaningful.
One of my favorite souvenir ideas that I came up with is a tray on a bookshelf with coins from every country I've been to. When travelling, I'll just keep in mind that I'd like to save a coin of each denomination (.01, .05, .25, 1.00 etc), and toss them into my dopp kit during the trip. Then at home, every once in a while, I'll see the tray and sort through it for a minute or two and see a coin from some country and memories from the trip will immediately start coming to mind. Good stuff. :-)
I’m also 21 and I pretty much do everything you do lmao.. everyone around me is total opposite. They do say when you step out onto a path that will lead you to success, you’ll be stepping out alone. 💯
This kind of videos makes me so happy. I really think that we don't need to spend the amount of money that we do. Since last year I have been trying to incorporate some minimalist habits into my life and personally, it has been the best that I could have done. I know that this is an old video but thank you for your content. It really inspires me✨
We only read non fiction and most books we keep since they are on topics that are a part of our lifestyle. Those we dont keep get donated to the public library. We also eat healthy and we preserve (dehydrate or can) food and have a well stocked pantry. Live in the California Sierra were we can be snowed in come winter and unable to get to a grocery store 30 miles away. We have bought warranties and am glad we did since we are a family and not having to pay for repairs or replacement has saved us a lot of money re washer/dryer/dishwasher! . All warranty info and the receipts are kept in a file and also scanned and saves on a flash drive.
All I need is my guitars, two amps, manga comics, retro games with a crt and a computer and I'm all set. Just keeping the things you're passionate about. This video makes me think of my dad, he has 2 containers completely filled with all kinds of random junk that he just has to save for one reason or another. I never wanna be like that, I wanna be able to pick up most of my material belongings at a moments notice. It's a good idea to cut back on the quantity of things you own to a reasonable amount.
When i was a kid i used to live without any kind of worries or problems, my dad could make even 50k a year, but life started to giving hell to my family since around 2011-2012, my dad died, my mother lost her job, and my country is facing a big financial crisis. I started to work as soon as i got out from high-school, and currently im working with my uncle on repairing industrial refrigeration systems (but also private ones like for example fridges and air conditioners). What i am trying to say is that its been years that i have adapted myself to whatever economic issue i have, i think that when i will live on my own i will be surely a minimalist
@@mlggodzilla1567 oh nice i like italy Hope one day ill travel to milano roma or sikelia im from greece and i understand the economic crisis problem Wish u all the best brotha
You are soooo beyond your years!! I’m almost 29 and have come to some of these realisations over the past few years (but I was an absolute ejit at 21) 😂 I completely agree with the hostels. I’ve been lucky to make it to 41 countries on 4 continents (many more than once) over the past 6 years and mostly stayed in hostels... This allowed me to meet people from all over the world, make friends and have an amazing time (and save a fortune)! I ended up visiting many of those people and meeting them in other countries. I had a goal to make it to 50 countries before I turn 30 but I don’t think I’ll make it now with Covid. I can’t wait to get back traveling. I only discovered you on RUclips tonight (I’m from the midlands of Ireland) and I’ve watched several of your videos and they are absolutely brilliant! Thank you! I’m guessing your heritage is irish?? How many generations do your family go back? Great second name! 💪🏻
I am 100% with you. I am 3 times your age, and financially independent. Part of this is having a decent and steady job. Part is also throwing money out the way many people do. The only downside to this, maybe a delightful downside, is that the frugality habit is very hard to break. So I may leave a lot of money on the table when I die, which is kind of not the intention. You may not want to look back and realize you've denied yourself some pleasures of life in the name of frugality. That is something to consider when you occasionally splurge. I need to splurge a little bit more often. Also, had I held more equities than fixed income instruments when I was younger, I'd have a hell of a lot more than I do now.
I don’t buy warranties either. I’ve found that a lot of manufacturers will stand behind their products and usually contact the manufacturer if something goes haywire
I totally agree with you. I only buy things I really need in my daily life (food, toilet paper, soaps, etc). I have been traveling a lot for work reasons this last years and I have seen that I can live with only a few things and I like it, I have become minimalist without even look for it haha
Kindle is the best thing ever, prevent you from having clutter in your house. I love reading books But I despised having a bunch of paper laying around.
You're such a well spoken individual for your age. I also really enjoy how your videos are usually one takes with minimal editing. Really enhances the experience and it feels like I'm actually chatting with you in the same room. Well done and keep it up!
Was gonna say the same thing haha I’ve lived in Texas my whole life and you’ll have a hard time getting around if you don’t have a car. I do have to say that Houston has better public transportation than all of the other big cities and you could get away not having a car if you live in certain neighborhoods. But generally, most of Texas is rural so cars are a must
All my friends make fun of my car😂 I paid 5k cash for it and never had a payment. Had the damn thing 7 years now and never left me stranded. I always tell people that wanna buy new cars they can’t afford it. If you don’t have the money for it right now, you can’t. Buy a $1k car and when it breaks down, buy another $1k car.
Everyone's different of course, but I think new cars, large houses, and new phones are the three biggest wastes of money for the vast majority of consumers. Is a 2019 G70 really more necessary than a 2010 Sonata?
07 cobalt. All I’ve had to do was change the oil and a tire replacement. Get to know a few mechanics and they will work on your car for next to nothing. It’s nice to know people😎
Dude I would kill for your colbolt I’m driving a 2002 caviler and it’s hot pink I get made fun of so much but I paid 600 and only had to change the brake pads and get new back tires had it for 2 years!
Johnny Lowry, drive it till the wheels fall off! I always tell people, when it breaks down I’ll just take the tags off of it and leave it there😂. It’s been a good car to me. Thinking about getting a moped to ride to work for better gas mileage even though it already gets 25 to the gallon
I understand the logic about books 📚 I pride myself on my book collection however. For me it’s just been one of those long time goals to build a massive library, it’s a badge of honor. Being able to tell people observing your collections that you have read 75%of the books on your shelves (and mean it). I imagine my office in my $10 million dollar dream home one day, a whole wall of books, there for easy reference when I need to grow in different areas.
I'm a bit late to this video, but yes I agree, books is like a need to me, i always buy one book a month of £10 value so it never costs me too much and reading saves me money. I fund it the cheapest hobbies to do. It also knowledge and knowledge is power. I only read what I can apply to life.
Spend less of your money on things, but rather spend your money on experiences. Not only is this a great way to save for the things that matter, but also to live a life, fulfilled. Great content
You’re spot on about how couponing sometimes has people spending more money on things they don’t need! As much as I love couponing, I’m sometimes guilty of this 😭 Thanks for sharing your tips!
4 years ago I gave most of my books (and I had really many many) and my magazines also. And I started to do everything on my tablet with digital books, or audio books sometimes (if the reader brings something) or digital magazines. I can then travel with my library and many books are free when they are old enough. Also some libraries have had some of their old books scanned and it is possible to download a scan of original editions which is just amazing.
I used to be such a terrible food shopper and wasting money on food I didn't eat. Such a shame. I've been really zoning into minimalism for 2 years now and I must say... the food shopping is def. that hardest part. I got to the grocery store with a plan for meal prep. love surrounding myself with like minded people! THANKS!
Re: Buying books. I used to love buying books when I still worked and I've kept many, but why not go to the library? You'd save a ton of money. I'm in Toronto, so if I want to reserve a new book that's coming out, I try to reserve it right away, then I get a notification when it's in.
@@hisakiasakura480 Man what a shame!. No library in your town. I live in Houston Texas. And there are 6 libraries in my area. Three that are within walking distance of my apartment. But Houston is a large city.
Shocker the youngster is 21 with so much knowledge, you neccessarily don't have to stop spending if you invest properly, I am invested even before I retired, thought my kids and their kids learnt from them, my grandson was watching this and he is 17
hey buddy that is normal in investing with time you ll learn the ropes, but for now I would advice you get invested in stocks, forex and digital currency trading, it is the order of the day and I am reaping heavily
Often times I have told people to research for themselves but it doesn't do amateurs a lotta good, I have an fund manager, she is quite smart and pretty lol gets my bucks up too most importantly, I have invested hundreds of thousands and made times 20 as profit. I have been working with her for 3 years now since I retired, I would advice you use her if you got good capital, investment is useless without good capital and due diligence
What happened to "the more you SPEND, the more you SAVE"?? Great advice: The fastest growing real estate in the U.S. is storage spaces. We've truly lost our way.
went one step further: have the travel mug but also take a litre thermos to work in my day bag. Started taking lunches and then snacks also. holy crap, the amount of money i didn't spend in four work weeks staggered me. haven't looked back, either.
On sales I always remember what my father used to tell us when we used to jump up and down seeing off in shopping apps, "it's the stuff the sellers want to get rid off, one that no one wants to buy when sold without off, so why pay money to clear off their stockpile, also if you wait for 6 more months probably you will get the same for 90%off"😩, alas most of the time, it's true... Most ones especially in grocery stores and supermarkets it may be ones that are about to expire or dresses in stores that was never sold all over the year🤷
If we do understand human thought this is actually possible. Memory works by association. He was true both the times and your memory and ability to check peoples intention is interesting. ;)
@Geloof Hoop en Liefde that's really smart tbh I am learning what I really like to eat but I notice I like smoothies and according to my family I can't live off of that
My problem is I'll save a chunk of money then think "oh I saved x amount of money, I can afford this now. I deserve it, right? I've been saving money so I deserve something I want now?" I think it's breaking the habit of buying something on impulse if you can afford it.
Which videos would you like to see next?
Leave a comment below!
Follow me on Instagram to boost my self-esteem: @nateobrienn
10 things I Started Buying (deterring a bit from Minimalism)
Love the idea!
10 useful items that you actually need
Hobbies you do that are budget friendly or free
I'm a chef so I could teach you some things 😂
This is the most disciplined 21 year old I’ve ever heard of
He sounds like my brother, like really. This guy is so smarttt
seriously
Honestly
Oh you haven’t heard of John Fish then hahaha...
@@GabrielCaride now i'm curious! Keep talkin'
i always think: if i dont buy it, its 100% off
Hahaha yesss
That’s actually a really good mindset👍
Another way Graham Strephans puts it: "If i don't buy it, it feels like a i got paid to not buy it."
It’s only 100% off if you get the item too. Way to sound stupid
BRBallin1 yeah I’m with you on this one. I don’t like this saying
He is 21!? His parents did a great job raising such a responsible kid!
Bullshit
@@NoDramaAllowed I don't think I asked your name
@@youtubehandle0 still bullshit parents don't have much to do how intelligent a kid can be. You can be just like him if not better without parents
@@NoDramaAllowed a good upbringing plays a huge part in nurturing kids so it’s not bs.
Combination of both good parenting and his own determination.
"Don't invest in things you don't understand"
This is seriously the best advice ever. Nice!
sounds pretty terrible to me if you apply it to something like bitcoin
@@michalluptak7836 That single month in december, if you bought bitcoin then, then you would've lost a lot. Almost any other moment and right now you would be in profit.
@@joep5347 this statement is correct
I'm a wealth manager for a living (ignore the goofy profile pic, I also like shitposting and the internet.. unfortunately)
Never! Ever! Invest in something you don't understand. Bitcoin is no exception. Investing without understanding = gambling
Its one of Warren Buffets investment advices
I'm 26, he's 21. And he's already the father that many of us need.
You are too kind
Zahid yeap! Because is not about the sge but the knowledge. 🧠
Ya, very mature. He can not even store the receipts of his tech products for warranty issues.
Ha !! I'm 53 newly divorced and so much advice I never got. ❤ U
great looking too 🤣
I always rethink before buying and ask two questions -
1. Do I really need this item?
2. Is it really worth the price?
When it's things we don't typically buy, my husband and I will search the object on google to compare prices 🤣 sometimes standing in the aisle for 10 minutes just trying to figure out if it's worth it
If you can ask the second question, do you really need it than?
I tried this today and suddenly the $500 I spent on Call of Duty this year doesn't seem like such a good investment..😕
Or you could live off your parents and invest all your money for your retirement, and ask your parents for money to raise your kids and invest all your income in stable stocks or real estate. As long as your parents are fine with it, obviously you spend time with them and help them do things when they ask you.
@@Mr.Griddyton goooooood jooob
If your friends laugh at you for saving money and investing in YOURSELF they're not your real friends!
KFreelance_959 why save money when their printing money all the time
Savers are losers
Some of my friends started to laugh at me and called me cheap spender when i become financially disciplined.
@@VITORB82 in a few years you'll be the one laughing
@@k_escobar917 😂😂😂😂🙌
I"m a big minimalist. I have minimal money leftover.
Loser.
@@user-vm9ig4zs8e Bro.
F
Jeff Hughes lmfao
That’s funny
10 things:
1. Items on sale
2. Drinks
3. Books
4. Overbuying food
5. Car
6. Extended warranty
7. Staying in hotels
8. Buying souveniers
9. Investing in things you don't understand.
10. Branded items
THANK YOUUU
that's my list too!😃
My math of money teacher in high school used to say, "20% off is 80% on."
Also with math when you're 50% correct, you are 100% wrong.
@@erickolb8581 😂
This made me laugh!!!!
@@erickolb8581 In law, a half truth is still a lie.
@@erickolb8581 WHAT
Regarding "on sale", DO try to buy something on sale, but only AFTER you've decided to buy the thing. Trying to WAIT until the thing goes on sale also gives you time to further consider the decision to buy at all.
Chris J I agree I save all year for Black Friday. I make my plans to purchase certain items that I need and when the date comes I get those items at significant discounts. Then because of the long wait many things on my list don’t make the cut so I don’t buy them. 👏🏾
@B Ball Interesting the Ol' Bate and Switch,,,but if the item I want exclusively is on sale then I don't see how I'm not getting a deal?
Stephon Brooks plus the Item quality is not the same, specially in electronics
that's great advice right there
When it comes to sales, I only search for items I'd buy at that moment anyway
For example, since I buy necessities such as toilet paper or yogurt, I'd buy a certain brand if it's on sale and the quality of is worth it
Plenty of bargains are actually fake sales, when the discounted price is actually not that much lower (it's just been lowered from a higher tag for the sale effect)
Just like Nate said, you're not saving $800, you're in fact spending $400 - since you wouldn't have spend that money anyway
Came to suggest this :)
Things you shouldn't buy:
- Sale items you don't need
- Coupons
- A car
- Drinks & Alcohol
- Books
- Too much food
- Warranties
- Souvenirs
- Hotel rooms (use hostels)
- Investing in things you don't understand
Why no car tho?
@@clerklerp8458 because...
If you buy a car you'll have a lot of things to spend with...
You'll be wasting your money
Mostly buy a car isn't necessary...
You can save a huge amount of money instead...
Buy a car can be useless sometimes
But it will depend on of each situation...
Look, if you buy a car you'll have a lot of money to spend with
@@nooneimportant4438 oh ok thanks!
@@clerklerp8458 the no car works for him because he lives in a relatively urban area. if you live in the rurals or suburbs, it's probably a good idea to have a car
Why not books?
Another hidden cost of having a car...it quickly and conveniently takes you to places where you spend more money on stuff you don't need.
But on the other hand, in the US at least, you can use your car to make money in your off time with contractors such as doordash, uber eats, etc. At my old job I would make ~$600 a week before taxes, but about 2-4 days a week I would go doordash (most popular in my region) for just a couple of hours. If you are familiar with your car in terms of maintenance, condition, and efficiency you can easily minimize excessive miles and gas economy. This easily boosted me over $300+ extra a week after expenses. If you learn how to maintain your car personally (common things at the least such as oil/filter changes, tire rotations, etc.) your miles will pay for themselves and you will definitely save on maintenance costs.
@@BimmertechG01 righttt.. i actually do uber eats and door dash and have made more money than a regular job.. and still am conservative as this guy.. today having a car is actually an asset or a tool to make just as much money... especially when he says he spends $100 a month...100x12=$1200... and that can literally buy you a cheap car to do these kinds of jobs or a good down payment for a decent job and your extra earned money pays the monthly car note and insurance.. so i get what he saying especially if you're single and young like him no children not married and make money through youtube obviously then that works.. but if you don't have those things and you have kids, then that portion of the video about a car is not for you.. he will learn when his time comes with a family he will NEED A CAR.. NO MORE UBER TRUST ME BUD... BUT NEVERTHELESS AGAIN FOR SOME AND HIS SITUATION GREAT VIDEO
Sales do make sense IF it’s something you’re going to buy or need anyway - toilet paper, soap, etc.
Peter Scholl-Latour if you don’t wash for long enough though you get fired and have even less money ;).
Real men don’t wash themselves
lol. you don't need to wait sales to buy toilet paper, soap etc. These things are not expensive.
John Dough not really , you spend $2 on that cheap roll of toilet paper that rips when you use it, now you gotta pay $4 for the good one and you wasted $2.
I actually use a body wash. No soap shampoo and face wash.
Story time: about 3 weeks ago, my wife and I decidedly to do something I swore I'd never do, which was buying a brand new car (actually, a dealer demo, so it was a good deal). Anyway, as we went over our budget to find out if we could afford it, we found out we were spending literally hundreds of euros a month on delivery and take out. To make it worst, it wasn't even fancy restaurants, but mostly "cheap" stuff.
Since then we have been making almost every single meal at home, we have saved a lot of money and we actually eat better and healthier than before.
"It's something people can't really take away. You can take away somebody's money, you can rob somebody, but it's difficult to take away people's knowledge that they have in their brains". That's the reason why I decided to become a teacher, and every time a student asked me why I was a teacher, I answered that. With those exact words.
_Condeza_ AAMAZIN
100% not a teacher
_Condeza_ I’m a professor and say the same to my students👊🏻
@wdym? Well, I have my RUclips channel and my Instagram @lenguaje_con_la_condeza
I teach about reading comprehension and Spanish grammar. :)
Quitting soda will take off 5 lbs easily.
Most people replace the soda with more junk food
When I stopped drinking anything but water and black coffee (about 10 years ago) I lost 10-15 pounds. It was crazy.
@@shyjanz6601 Same here, I haven't had anything to drink but water in over 12 years.
dude I was listening and thinking this is a responsible adult in his mid twenties to thirties, then came the "I'm 21" plot-twist. hats off man!
he looks nowhere close to 30
There is an old proverb "I'm not rich enough to buy cheap stuff", and that one tells you everything
I heard it say " I can't afford cheap stuff" but the point is the same
@wdym? Not rich enough to waste money on things that have little to no value. Atleast that's what I get out of it.
@wdym? name checks out
The things you own end up owning you - Tyler Durden
Claus Cederberg Owen Cook?
I love this quote!
@@Bryan-hx2cf I don't know Owen Cook. Tyler Durden is a person in the movie Fight Club.
I owned by kimchi
복숭아 I used to be owned by kombucha lol
Young man i wanted to thank you ! You changed my life and I’m 45 yrs old and its never too late to change !
Spoiler: hair gel is not on the list.
I'm always spending on that premium gel
@@NateOBrien what product do you use to style your hair? looks really good.
@@alidaud258 Yes please tell
Neither are bots
@@alidaud258 lurpak
Congratulation to your parents for having such a disciplined and frugal son. They must be super proud of you !
i only buy food that does not go bad in a long time unless i am certain i will eat it up instantly
It also helps when you have no refrigerator but I know this does not apply to all people. As for me, having no ref means I won't buy food that won't last long and it saves on electricity as well.
Well, I just freeze stuff that I know otherwise would go bad. It's healthier than eating some processed monstrosity that you can keep on shelf for years.
Everyone does that.
Fresh food is always better
You have a shit diet and your slowly deteriorating internally.
Living in Europe taught me to just go to the supermarket every day to get what I need.
Idk why but I found this funny
seeing you here is a very weird and refreshing suprise
Believe it or not I saved up the most ammount of money as a student in the Netherlands, which is known as an expensive country.
Yes! And Food is more fresh that way.
@@St4Jimmy hey man, could you give away some ways in which you saved/decreased expenses? I am studying in the netherlands as well and looking for things I could easily save money on as a student. Would love to know!
"The rich live like they're poor, and the poor live like they're rich"
My gf has no idea how un-poor I am.
@@steveretiredandcranky exactly, my ex gf thought i am poor bcz i always love eat that i cook at home.
This is actually true. Used to buy stuff, fancy car, bla bla bla. Loks like I have money while i did have belly anything at my account. Now i do not buy anything, no car ppl thinks i have shit. Wrong, My account is stacking like crazy. And it feels good to have this financial backup. It is media who wants all your money while giving you stuff you dont really need,
@@steveretiredandcranky You're smart dude! Lol need to set those expectations from the beginning 😂😅😭. Where were you when I needed this??????
Sable Ann most rich people have big expensive houses and cars so, I disagree.
Your car idea is so true, I found that out by accident. I started saving super quick after I wrecked my car. Instead of immediately going out and buying another one I just walked to work for a while. Then once I realized how much money I was saving by not having a car (maintenance, impulse buying, fast food) I didn’t buy another one. In 1 year I was able to save $9,000 from a $15 an hour job. The year after that I was able to save $11,000 in total. Headed to $30k and still don’t have a car!😁
You will stay in better shape too. What's wealth without your health
This is so true. Cars are costly, but transportation is a lot harder in America without a car
I seriously applaud you for being an emotionally intelligent young adult in this modern society. We need more guys like you. A treasure, your mindset i mean.
I just started saving in January (one month ago) and I already have $300+ saved. You are helping me so much! Thanks 😊 my goal is to hit $10k+ by the end of the year.
Where you at now?
$300 a month will not equate to 10k a year lol your math is a little off but you got the spirit.
@@odinsauce8070 But i never said i was saving $300 a month i said i already have $300+ saved lol. You’re reading comprehension is a little off. 😊
@@jbflow u said u started saving 1 month ago and already saved $300. Im assuming if you had a lot more to saved you would've done so already ☺️
@@odinsauce8070 Tbh i started putting in work and started saving much more than that, like i said the goal is 10k.
I’ve never owned a car in my life and It’s been a big benefit. Rents always paid and I get to spend that money on things that I wanna do. Not worrying about insurance, gas, and repairs. Depends on where you live. Live close your job and live in the city.
Can confirm, having a car is the biggest money drainage in your savings, for a regular job of course. Just hope that your car will last you long enough so that you don’t need to spend all your savings for a new one
This is simply not an option for the many people who do not live in large cities with public transit systems. Where I’m from, in South Texas, not having a car will severely limit one’s job opportunities, as well as quality of life. Of course, one does not need to buy the most expensive vehicle and be tied to making $500+ payments per month for 5 or so years, it’s simply a way to get from point a to point b and we should always remember that.
Cities are too unaffordable and your quality of life definitely goes down. At least all the cities near me.
I live in the country and need a car for work, any local town that has anything of worth is also a 20minute drive, public transport is 1. Fucking gross here. And 2 only run every 1 and a half hours, i also hated living in birmingham on weekends visiting relatives and taking public transport there.
Just got fired and this is what RUclips suggest me? 10/10 on the recommendations Google.
Google knows EVERYTHING
Dont forget Dan Lok and 20cent coffee guy
Haha sorry about that man
How ya doing man?
I know what it's like to lose a job, you got this!
You and me, brother. Best of luck to you.
Yes! Finally someone my age who isn’t die hard into drinking alcohol!
Samantha McCallum
Or doing meth.
@N-tertainment X-tended always one person like you on RUclips comments huh?
Or doing cocaine
You don't need alcohol at all
Pussy
Thank you for highlighting the car-free lifestyle option!! Very doable in an urban setting, living less than 5 blocks from public transportation, biking for local errands. Reduces pollution!!
You nailed it on the coupons. Coupons make people buy things they don’t need.
I don't believe in them!
While there are people who "extreme coupon" and buy things they don't need and hoard stuff, that doesn't describe every coupon user. I started using coupons recently to buy only items that I really need, mostly groceries, and it's saved me a lot of money. I saved $20 dollars on my last grocery trip using coupons.
CleverDave you’re the exception 🥳
Yes, that's very true, but kind of the point!
Larry Massa true to a point. But if I can get 4 shower gels for the price of 2 I’m gonna get it using coupons. Because I’ll for sure use those extra shower gels later on so I would be saving money.
When it comes to SALE, I already know what I need/want to buy. I just wait till SALE to get it. Never buy something without planning just because its on SALE.
You give me Leonardo DiCaprio vibes. In the 90s to be exact.
Yeah but smart and non superficial
@@marteumar8429 lmfao fact
On food stamps
@@brysonb2861 🤭
What an important matter. Thanks for sharing
Nate, you always downplay your expertise “I’m just a guy on the internet offering financial advice”. You are exceptionally bright. At 21, you figured out things that took me until my mid 30s to figure out! And yet I still cannot articulate the same points as well as you’ve done in this video.
I like the idea of minimalism as well and I am pretty good with managing my own budget, but do you ever feel weird urges to buy things after a while of not spending much money?
I'm going to check your channel out. Are you like Nate's channel?
Antigone Zervas maybe we could get new hobbies and put our money there 🤔 I feel like I have everything I need
The whole minimalism lifestyle really just helps u to think about what u really need that u keep and rest donate, sell , or toss out. so not spending helps to save cause u not buy any u not need. i sure he sees stuff he might want, but thinks before he gets so he not getting anything he does not need any.
I rented dark Phoenix on my cable box it was amazing now I find it hard not to buy it and add it to my complete x-men collection :(
I rented dark Phoenix on my cable box it was amazing now I find it hard not to buy it and add it to my complete x-men collection :( I will try my best to wait for it to go on sale wish me luck!
It really is fascinating how much economic stability and sustainability are similar!!
Almost everything on this list can apply to both sustainability and money saving.
I am so glad RUclips recommended this channel to me
Some “sales” especially in the clothing industry is true deception. Stores raise the initial cost of an item and then put on a 50% off sale.
Thomas Keets that's actually fucked
Happens all the time
yup, i mean what looks better:
Dropping the price of $100 shoes to $80 and offering 20% sale or first raising the prices, quick and so that barely anyone notices to $120 and then put them them down to $80 and offer 33% sale. i don't blame them, the people are too damn naive and need to actually use their brains from time to time.
Goodwill feels like cheating. You get the same thing, if you can find it, for $6-$14 I got a pair of designer BØRNs for $12
People don't realize that there's a lot if thrift stores that have quality and trendy clothing at waaay cheaper prices
I always thought I needed a car- I'm carless right now during the pandemic and I'm actually feeling good about it.
I may not buy a car this year unless I have some passive income coming in to pay for the vehicle in full.
Thanks, Nate! This is a helpful video.
Cars are money pits! So many random expenses that make it very difficult to save!
Omg omg is this for real? A drop dead gorgeous guy giving intelligent life advice?? Where have you been all my life
You cannot get him. Don't get your hopes up
Not leaving this apartment or taking you out to dinner. lol
@@glodusmuspell9069 That doesn't mean she can't find him smart and gorgeous.
Here's a HUGE glass of water. 😂
@@JohnConnor636 Yeah, might be the 11th thing he doesn't spend a lot on XDXDXD
Transportation definitely! Working in NYC & using the Citi Bikes saves me $1,400 a year than using the subway & bus. Plus helps me stay in shape too.
Your parents must be so proud of you. You seem like a very smart, wise young man. Thank you for sharing your wisdom and tips
As an older guy that admires Nate's drive, ambition, and early success, I urge everyone to remember that he's 21. Make sure that the life advice you receive comes from a diverse collection of people that you trust. keep up the good work Nate.
Your mom must be so proud. ❤️ I just love that at the age of 21 you understand so much. Keep the good work! Wish you all the best.
I feel like more people 18-22 could use friends like Nate O’Brien. Extremely refreshing and quality content! - 22 yr old
My mom says “it looks better in the bank”
We still can use mobile banking
Not when it’s just sitting there not making you money
she's right!!!!
Not bank though. At least property
This helped me a lot..
Tip: Stop doing those “hey let’s go out for drinks nights with “friends” you don’t really care”
And add in the "happy hour" thing with coworkers. I'm not sure I've ever seen any indication that the "investment" is worth it.
My friends and I do that because there isn't really anything else to do where I live.
The one souvenir I buy when I travel is a fifty-cent postcard from that city that I send to myself. Cheap, authentic, doesn't take a lot of space and really personal and meaningful.
Just because something is on sale doesn't necessarily mean you are saving money. I love that tip its so true 👍
MY NAME IS BARRY ALLEN AND I'M THE FASTEST SAVER ALIVE!
Great video btw.
Wow I thought this was a personal message to me titled ”why you don't have money.” ha! So spot on. Thanks Nate
One of my favorite souvenir ideas that I came up with is a tray on a bookshelf with coins from every country I've been to. When travelling, I'll just keep in mind that I'd like to save a coin of each denomination (.01, .05, .25, 1.00 etc), and toss them into my dopp kit during the trip. Then at home, every once in a while, I'll see the tray and sort through it for a minute or two and see a coin from some country and memories from the trip will immediately start coming to mind. Good stuff. :-)
There is an old saying concerning sales: "going broke saving money."
Anthony Strom they mean no need to save must make investment 🤔
I'm minimalist all my life, this helps me too providing everything that my son needs even if I'm a singlemom
You’re just a peasant
@@oaedeoi shutup
I’m also 21 and I pretty much do everything you do lmao.. everyone around me is total opposite. They do say when you step out onto a path that will lead you to success, you’ll be stepping out alone. 💯
BK Trading im 23 and i just started to find my life
liyana batrisyia it’s never to late to start
I save money by living in my van down by the river.
Ha ha, government will take it away from you. System has been designed to eat your savings away, buy silver bullion, I would suggest.
Do you eat government cheese?
R. I. P Chris Farley
Underrated comment...
Atari2600Stormtrooper are you a motivational speaker? :D
This kind of videos makes me so happy. I really think that we don't need to spend the amount of money that we do. Since last year I have been trying to incorporate some minimalist habits into my life and personally, it has been the best that I could have done. I know that this is an old video but thank you for your content. It really inspires me✨
We only read non fiction and most books we keep since they are on topics that are a part of our lifestyle. Those we dont keep get donated to the public library. We also eat healthy and we preserve (dehydrate or can) food and have a well stocked pantry. Live in the California Sierra were we can be snowed in come winter and unable to get to a grocery store 30 miles away.
We have bought warranties and am glad we did since we are a family and not having to pay for repairs or replacement has saved us a lot of money re washer/dryer/dishwasher! . All warranty info and the receipts are kept in a file and also scanned and saves on a flash drive.
I’m 18 and it’s about 3 years that I stopped drinking sodas , Also I’m really for everything u said and kinda doing them all :)
Summary -
Things on sale
Coupons
Drinks
Books
Over buying food
Car
Extended warranties
Hotels
Souvenirs
Don't invest in things you don't understand
Why stop buying books? I love them in paperback..
@@alex_georgescu you can keep those you reread
@@alex_georgescu digital or Audible.
He does so buy books, he showed some in his video. 🤣
I have 80 bucks in gifts cards and they will only be spent on things that I need or a good experience.
All I need is my guitars, two amps, manga comics, retro games with a crt and a computer and I'm all set. Just keeping the things you're passionate about.
This video makes me think of my dad, he has 2 containers completely filled with all kinds of random junk that he just has to save for one reason or another. I never wanna be like that, I wanna be able to pick up most of my material belongings at a moments notice. It's a good idea to cut back on the quantity of things you own to a reasonable amount.
Dude you’re a effinly handsome guy. You need no clothes, no need to follow the trends, your existence is just enough for your personal beauty.
I just started doing this in December and now I have 4000 saved. So proud of all the changes I've been making.
When i was a kid i used to live without any kind of worries or problems, my dad could make even 50k a year, but life started to giving hell to my family since around 2011-2012, my dad died, my mother lost her job, and my country is facing a big financial crisis.
I started to work as soon as i got out from high-school, and currently im working with my uncle on repairing industrial refrigeration systems (but also private ones like for example fridges and air conditioners).
What i am trying to say is that its been years that i have adapted myself to whatever economic issue i have, i think that when i will live on my own i will be surely a minimalist
Letme guess u sound like a Greek peraon Are u from Greece?
@@projektraven4149 no, i am italian
@@mlggodzilla1567 oh nice i like italy
Hope one day ill travel to milano roma or sikelia im from greece and i understand the economic crisis problem Wish u all the best brotha
@@projektraven4149 same to you bro, i wish for you the best
Hotels are they way to go when your traveling young and single but when you get a family 5 star resorts are the way to go 👍🏾
You are soooo beyond your years!! I’m almost 29 and have come to some of these realisations over the past few years (but I was an absolute ejit at 21) 😂 I completely agree with the hostels. I’ve been lucky to make it to 41 countries on 4 continents (many more than once) over the past 6 years and mostly stayed in hostels... This allowed me to meet people from all over the world, make friends and have an amazing time (and save a fortune)! I ended up visiting many of those people and meeting them in other countries. I had a goal to make it to 50 countries before I turn 30 but I don’t think I’ll make it now with Covid. I can’t wait to get back traveling. I only discovered you on RUclips tonight (I’m from the midlands of Ireland) and I’ve watched several of your videos and they are absolutely brilliant! Thank you! I’m guessing your heritage is irish?? How many generations do your family go back? Great second name! 💪🏻
I am 100% with you. I am 3 times your age, and financially independent. Part of this is having a decent and steady job. Part is also throwing money out the way many people do. The only downside to this, maybe a delightful downside, is that the frugality habit is very hard to break. So I may leave a lot of money on the table when I die, which is kind of not the intention. You may not want to look back and realize you've denied yourself some pleasures of life in the name of frugality. That is something to consider when you occasionally splurge. I need to splurge a little bit more often. Also, had I held more equities than fixed income instruments when I was younger, I'd have a hell of a lot more than I do now.
I don’t buy warranties either. I’ve found that a lot of manufacturers will stand behind their products and usually contact the manufacturer if something goes haywire
They send you in circles and find an excuse to not refund you
You’re so wise beyond your years. :) I wish I had your perspective at that age.
I'm 29 and it truly amaze me how mentally mature and smart this guy is!
Anyone else surprised that Nate is only 21!?
Dude looks like he's in late 20s
samuelkimmusic no he really doesn't.
Amazing how responsible someone can be when they learn properly
@@Black-Circle He probably doesn't, haha!
I was surprised when I first found out how young he was. He just did a lot of reading and financial research in his teens.
Nate: "I love just giving books away to people"
Me: "hi there..."
I totally agree with you. I only buy things I really need in my daily life (food, toilet paper, soaps, etc). I have been traveling a lot for work reasons this last years and I have seen that I can live with only a few things and I like it, I have become minimalist without even look for it haha
4:02 "Some People are drug addicts, I was a book buying addict"
I'm on the floor 😂😂😂
Yeh, that's quite the comparison. Going to the extreme
Kindle is the best thing ever, prevent you from having clutter in your house. I love reading books But I despised having a bunch of paper laying around.
I LOVE books too
I can completely relate to this
Implementation is everything buddy..🤨
You're such a well spoken individual for your age. I also really enjoy how your videos are usually one takes with minimal editing. Really enhances the experience and it feels like I'm actually chatting with you in the same room.
Well done and keep it up!
Car is a must have in Texas. Didn't need one when I lived in San Francisco.
Morgen Holz same goes to me ,, car first then house
Morgen Holz same goes to me ,, car first then house
Was gonna say the same thing haha I’ve lived in Texas my whole life and you’ll have a hard time getting around if you don’t have a car. I do have to say that Houston has better public transportation than all of the other big cities and you could get away not having a car if you live in certain neighborhoods. But generally, most of Texas is rural so cars are a must
All my friends make fun of my car😂 I paid 5k cash for it and never had a payment. Had the damn thing 7 years now and never left me stranded. I always tell people that wanna buy new cars they can’t afford it. If you don’t have the money for it right now, you can’t. Buy a $1k car and when it breaks down, buy another $1k car.
Everyone's different of course, but I think new cars, large houses, and new phones are the three biggest wastes of money for the vast majority of consumers. Is a 2019 G70 really more necessary than a 2010 Sonata?
Casey P what car is it though
07 cobalt. All I’ve had to do was change the oil and a tire replacement. Get to know a few mechanics and they will work on your car for next to nothing. It’s nice to know people😎
Dude I would kill for your colbolt I’m driving a 2002 caviler and it’s hot pink I get made fun of so much but I paid 600 and only had to change the brake pads and get new back tires had it for 2 years!
Johnny Lowry, drive it till the wheels fall off! I always tell people, when it breaks down I’ll just take the tags off of it and leave it there😂. It’s been a good car to me. Thinking about getting a moped to ride to work for better gas mileage even though it already gets 25 to the gallon
I love your mindset. Don't drive I live in a shared apartment my own room. I eat mainly a Japanese diet and love to learn and help others
I understand the logic about books 📚 I pride myself on my book collection however. For me it’s just been one of those long time goals to build a massive library, it’s a badge of honor. Being able to tell people observing your collections that you have read 75%of the books on your shelves (and mean it). I imagine my office in my $10 million dollar dream home one day, a whole wall of books, there for easy reference when I need to grow in different areas.
I'm a bit late to this video, but yes I agree, books is like a need to me, i always buy one book a month of £10 value so it never costs me too much and reading saves me money. I fund it the cheapest hobbies to do. It also knowledge and knowledge is power. I only read what I can apply to life.
Spend less of your money on things, but rather spend your money on experiences. Not only is this a great way to save for the things that matter, but also to live a life, fulfilled. Great content
You’re spot on about how couponing sometimes has people spending more money on things they don’t need! As much as I love couponing, I’m sometimes guilty of this 😭 Thanks for sharing your tips!
4 years ago I gave most of my books (and I had really many many) and my magazines also. And I started to do everything on my tablet with digital books, or audio books sometimes (if the reader brings something) or digital magazines. I can then travel with my library and many books are free when they are old enough. Also some libraries have had some of their old books scanned and it is possible to download a scan of original editions which is just amazing.
Thanks for the more tips. I turned minimalist last year and life has never been much easier
I used to be such a terrible food shopper and wasting money on food I didn't eat. Such a shame. I've been really zoning into minimalism for 2 years now and I must say... the food shopping is def. that hardest part. I got to the grocery store with a plan for meal prep. love surrounding myself with like minded people! THANKS!
Wow you're so young & knows how to manage your money. Thank you so much for this vid. Love from Philippines
When I was your age I was possessed by the spirit of lust.. dont ever be possessed by the spirit of lust
Boomer
@@gaelnaeireann8365 👉👌
Ur possesed by the spirit of stupid
iphoneusdsd let the man believe what he wants dude. It doesn’t effect you whether he’s religious or not
Makes sense. Lots of young men get super stupid when they do that.
This world deserves more people like you.
Re: Buying books. I used to love buying books when I still worked and I've kept many, but why not go to the library? You'd save a ton of money. I'm in Toronto, so if I want to reserve a new book that's coming out, I try to reserve it right away, then I get a notification when it's in.
I wish there is a library in the town I live...🙁
@@hisakiasakura480 Man what a shame!. No library in your town. I live in Houston Texas. And there are 6 libraries in my area. Three that are within walking distance of my apartment. But Houston is a large city.
Libraries are closed because of covid. 😞😟😬
Shocker the youngster is 21 with so much knowledge, you neccessarily don't have to stop spending if you invest properly, I am invested even before I retired, thought my kids and their kids learnt from them, my grandson was watching this and he is 17
how does one invest properly, I do not want to take another loss before making some gain, you seem experienced so any advice could help
hey buddy that is normal in investing with time you ll learn the ropes, but for now I would advice you get invested in stocks, forex and digital currency trading, it is the order of the day and I am reaping heavily
okay so how can I get started, any tips where to start out from?
Often times I have told people to research for themselves but it doesn't do amateurs a lotta good, I have an fund manager, she is quite smart and pretty lol gets my bucks up too most importantly, I have invested hundreds of thousands and made times 20 as profit. I have been working with her for 3 years now since I retired, I would advice you use her if you got good capital, investment is useless without good capital and due diligence
wow, does she have a minimum and how can I contact her?
Congratulations, Nate! You are going to be a rich man. Thanks for inviting us on your journey.
What happened to "the more you SPEND, the more you SAVE"?? Great advice: The fastest growing real estate in the U.S. is storage spaces. We've truly lost our way.
When I saw how much I was spending on coffee, i bought a travel mug and a nespresso machine. Haven't looked back since.
Totally. I will every once in a while treat myself to a Starbucks or preferably Caribou, but otherwise make my own or go get some gas station coffee
went one step further: have the travel mug but also take a litre thermos to work in my day bag. Started taking lunches and then snacks also. holy crap, the amount of money i didn't spend in four work weeks staggered me. haven't looked back, either.
On sales I always remember what my father used to tell us when we used to jump up and down seeing off in shopping apps, "it's the stuff the sellers want to get rid off, one that no one wants to buy when sold without off, so why pay money to clear off their stockpile, also if you wait for 6 more months probably you will get the same for 90%off"😩, alas most of the time, it's true... Most ones especially in grocery stores and supermarkets it may be ones that are about to expire or dresses in stores that was never sold all over the year🤷
The SALE thing can’t be over emphasised. “A bargain’s even more of a bargain if you don’t buy it at all.”
Nate: “I put butter on my eggs this morning”
Also Nate: “I don’t remember what I ate for breakfast”
@Geloof Hoop en Liefde 2 koppies koffie in my geval🤗
@Geloof Hoop en Liefde ☕☕
If we do understand human thought this is actually possible. Memory works by association. He was true both the times and your memory and ability to check peoples intention is interesting.
;)
Didn't you hear his tone? It was an accomplishment, YEAH he's gonna remember?
@Geloof Hoop en Liefde that's really smart tbh I am learning what I really like to eat but I notice I like smoothies and according to my family I can't live off of that
My problem is I'll save a chunk of money then think "oh I saved x amount of money, I can afford this now. I deserve it, right? I've been saving money so I deserve something I want now?"
I think it's breaking the habit of buying something on impulse if you can afford it.
"I deserve it." Those 3 words have caused so much debt in so many lives!!!