How To Be Extremely Frugal
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- Опубліковано 15 вер 2024
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How To Be Extremely Frugal / Frugal living is all about making smart choices with your money and focusing on what truly matters. In today’s world, many people feel overwhelmed by debt and the pressure to constantly buy more.
In this video, I share how someone can go from constantly overspending and feeling trapped by debt to gaining complete control of their finances through frugality. Honestly, it might be easier than you think, but it does require certain habits and a new mindset - things that many of us lack in our consumer-focused world.
I’ll share 10 powerful steps or habits that have helped me on my journey to frugal living. These habits won’t focus on small things like saving pennies, but instead on bigger actions that can make a real difference and help you save thousands in the long term.
It’s important to remember that everyone’s frugal journey will look different. Some people stop buying certain things altogether, while others focus on financial minimalism and cutting back on non-essential items. The key is to simplify your life in a way that works for you.
By adopting a frugal mindset and learning how to save money on a low income, you can take control of your personal finances, live a more intentional life, and stop worrying about money. So, if you’re ready to start your journey toward financial freedom, these 10 habits will guide you on the right path.
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• How To Be Extremely Fr...
What’s one frugal tip you swear by that others might find surprising? 😏
One out one in. Instead of one in one out ❤
You can buy a new bicycle every single month for the monthly *cost* of your car. (If it is a fancy car you'll get a fancy bike, if it is a very modest car, you can buy a modest bike.) It tells something about how much people spend on cars. Others are really surprised when I tell them this in short version!
One can also look at how much some extra space in your home costs, f ex do you have a guest room? How many hours do you have to work to keep a guest room? How much does a decent B&B cost in your area, where your guest could stay over night in stead, on your expence?
"If you want, Marabou fudge and sea salt chocolate, then buy that and not something else!"
It can save you more money by just getting that freaking item you are thinking of, instead of trying to talk yourself out of it or find a substitute. I get more enjoyment out of drinking one glass of my favorite expensive tropical juice, then buying a bad cheap juice no one wants to drink. The small stuff adds up. Sometimes even faster then the expensive ones.
I only buy what I need and if something needs replaced.
Traveling from Sweden to Asia is less expensive than traveling from Helsinki. It's also fun to take a day as a tourist in your hometown or take a bus trip to a nearby city and get to know it. You don't have to travel halfway across the world to see things.
Use it up, wear it out, make it do, do without.
Love that 🙌🙌
Nice qoute
I heard this as a child…so true.
I sold my car a year ago and bought an electric bicycle with a big box in the front of the bicycle where u can pack stuff etc. Most of my trips are short and took alot of mental stress away aswell to sell the car. Im in Sweden tho with a very good bicycle roads and good local trafic :)
That's amazing! 🙌🏼 Is it fairly cheap to maintain and charge an e-bike?
@@SunnyKindJourney yeah it's almost free, I've been charging it at work alot aswell for extra cheapness but even if you just charge at home its barely a noticeable cost
@@toothpaste_tm7323 True! To make electricty even cheaper we bought shares in windpower. Keep it up, Toothpaste!! Kudos to you! We still use electricity mindfully, because all forms of consumption have their negative aspects.
@@SunnyKindJourneyre "cheap?". Per kilometer, bicycles and e-scooters use less energy than your metabolism would use walking ovet that time, it's a great idea as long as it's 1) safe and 2) you have another form of exercise
@@SrdjanRosic for sure, but more as a complement to having a car rather than a form of excersise :) ofc it's also important to do some escerise in your life for well being 😊
Actually, keto and intermittent fasting have not only saved my health but my money as well.. I consider this life style being frugal friendly💪
SIBO?
I liked IF because of its simplicity. I quit years ago though. I did recently quit sugar again and I'm realize how much money it's saving because I'm not browsing the deserts at the grocery store and I'm certainly not going out to crumble cookies or for donuts or whatever.
If you do Intermittent fasting on regular diet is staving but if you do it on carnivore/keto, you are being healthy and thriving.
@@lilylo7786not necessarily
Okay i see IF but keto? The reason I never stuck to the low carb diet for more than a few days (besides the fact I felt like crap) was because of how expensive it was. Meat and vegetables are the most expensive items in the grocery store. I slashed my grocery bill in half when I went vegan. Beans are WAY more affordable than meat.
Note that I never buy that fake vegan meat garbage. That isn’t food. It’s disgusting. But a big bowl of minestrone soup with vegetables, beans, olive oil and fresh baked bread….😋
-I don't eat or dring while at work.
-I use the same phone for 6 years
-I don't shop. Some thrift shopping here and there (you wouldn't believe how well dressed I am. I train, 35y old, take good care of my teeth, everyone thinks I spend tons of money on my appereance)
-My make up costs around 5€/year
-I cut my hair/my son's hair/my hubby's hair/groom our dog
-I wash new clothes by hand so I keep them new as long as possible
I feel sick if I don't eat at work. I tried this and my whole day ends up being a mess. By the time I get home from work I have nausea and a headache. How do I do this? I hate spending money on food. If I could, I would never eat.
That's great! I bet you can save so much money with those habits. I personally can't think straight if I don't eat during my work day but if it works for you and is not compromising your health, why not 😄
@@SunnyKindJourney I work 8am-2pm so it's not that hard.
Howcome you don't bring food to work?
@@bosnian_beautyNot drinking for hours a day is just asking for health issues
I am in the states, and for years I thought buying a home by 30 was a goal. That didn't happen, but what did happen is that as I have gotten older and met and work alongside homeowners, the rose tint on the glasses started coming off. I heard of people using PTO just to do yardwork or spend hundreds of dollars to buy blinds or spending evenings after work at Home Depot. None of it really appealed to me. Now, I want a small (1200 sqft) low maintenance home with a small yard. I learned that my time and money matters more to me than the status of the "home(problem)owner" title.
That's a great story and gives good perspective for my own plans. I'd like to have my own place at some point but definitely need to be ready for everything that comes with it before making any decisions. Thanks for sharing 🌿
Having your own home is truly a blessing. Living in an apartment the rest of your life, with others, while paying the mortgage for someone else. Yeah, that makes a lot of sense. You listed minor (not even problems) of homeowners - but failed to mention the problems of living in a RENTAL apartment.
@@quaithom3138You are deluding yourself. You own NOTHING. Do you pay property taxes? Of course you do. Which means you will be RENTING your home from the government for the rest of your life. Try not paying the taxes. The government will come and TAKE your home away from you. Resist them and they will send men with GUNS to MURDER you.
You don’t “own” the roof over your head. You’ve been conned.
Frugality can definitely help you achieve financial goals faster, but there are pros and cons to consider. On the positive side, being frugal can help you cut unnecessary expenses, build an emergency fund quickly, and free up money for investing or paying off debt
Yeah, that’s exactly what I’m aiming for. I want to cut down on anything that isn’t essential so I can save and invest more
That’s great. But extreme frugality can sometimes lead to burnout or a lack of enjoyment in life. You don’t want to sacrifice experiences or even quality on things like health, food, or housing. It can also be stressful to constantly worry about every dollar spent
I hadn’t thought about the burnout. But I figure if I make it a habit, it’ll get easier over time
Possibly. But also, if you're too frugal, you might miss out on potential opportunities for growth.
For example, cutting back on socializing or travel could limit your personal and professional network, or even investing in something like education or certifications that could pay off long-term. A balanced approach might be healthier
Do not compare yourself to others.
Set a goal. More importantly work on all the steps and milestones you can think of to achieving that goal. If the steps are big, break those up with even smaller steps.
Set a budget and measure your results at set intervals.
Forgive yourself. Remember you’re still human and small set backs will occur. Be flexible and pivot or adapt as situations change, always mindful of the end goal.
Say what you’re going to do and do what you say.
14 years ago we made the "big move", selling a larger home with property in the country and buying something smaller on a smaller piece of land, in town. We didn't know it at the time, but it was such a good thing because over the past few years, we've both had health issues that would have made caring for that other property a nightmare. So it wasn't just the money that was a change, but also the maintenance.
Totally, the maintenance part can be so taxing both financially and health-wise. I am glad you made the right decision!
My parrents did the opposite in 2008/09. Having lived in the middle of nowhere for many years without a driver's license wasn't fun. Happy i can choose "correctly" now that i bought my own place. No need for a car is great.
With the high taxes, medical, food and home/ car expenses here in the US, I have definitely stopped buying useless sh*t. I only buy food and very few basic necessities. My goal is to have a homestead.
What a beautiful goal, and I'm sure you will accomplish it 🍀
I wish you the best.
@@camillaholst7321 Thank you so much Camilla 😊
@@camillaholst7321 Thank you 😊
That's a great goal! I think being mindful of our spending is so important for this generation. Thanks for listening 😊🏡
I have a small garden, 200 square meter, but this year we bought three chickens and made some vegetable plots, there's something deeply wholesome to look at an egg and know which of your chickens produced it...
I'm definitley the type of person who was already half way into this lifestyle. I live in a studio flat "small space." I'm single and 29 years old, I drive a 2019 Chevy Spark "small car" it's completely paid off. I have decluttered and gotten rid of everything I didn't need. I only spend 15% of my earnings a month. I also have 3 part time side hustles that replaced my full time job. I have more free time than ever. My next step is to literally clean out my colest and bathroom drawers and my space will be complete. next I would like to wear the same clothes every day.
Wonderful! 👏
I quit my job in the big city because the expenses were too high. I'm 30 and still live with my parents. I save so much. Luckily, I found a job where we live, and my salary is doubled. It enabled me to buy a car because the public transportation in the country where I live is so bad and having a car helps me save time. I really love it here, the vibe is serene and no stress at all. It really helps my mental health, plus I get to eat homecooked and quality food at a cheaper price. While many young adults move to the big cities for better opportunities, I took the road less travelled.
I’m amazed how much expensive clothing in thrift/charity shops just needs a small repair, button sewn on, or careful hand washing to get it really clean and remove the effects of cheap detergents. Worth using a specialist product for wool and silk.
Or maybe the fur trim on the hood or hood drawstring is missing, not a big deal. The latter is cheap to replace with a long shoe lace.
Do this and it’s possible to own superior clothing for not much money, and it gets re used.
My family taught me how to sew and I’m grateful, but no doubt there are UA-cam tutorials teaching the basics.
I needed you in my life decades ago Seve. You have thought me to view stuff now in terms of time! How much time have I spent in work to buy this stuff? I look around my home now and I am overwhelmed about the time I have wasted working to attain it! I don’t even remember buying most of it. I don’t use any of it! Better late than never! Thank you Seve!
Exactly, better late than never. This is I guess one of the good things about social media, you can share tips to so many more people and much easier than ever before. Thanks for watching! 😊
I stayed frugal all my life so I can retired at 45. I worked 7 days a week many hours never had time to spend. Now I spend, travel and enjoy life because of my investments and real estate. Key is no wife or children.
Even if you become extremely frugal in the US, you still have a better life than A LOT of people people around the world, specially like Nicaragua, central America, where I'm from originally. Trust me.
I bought a small car, the least expensive on the lot, brand new. Yes I had a loan, but I plan on keeping it until I retire from work. It will have been worth it in my opinion.
Yeah, many times if we are really intentional and do our research we make good decisions 👏
I have been cutting out some groceries, cleaning out a few things. Your videos are awesome
Awesome! Thank you! 😊
I am sure many will find your advice helpful.
"Waste not...want not" is something I remember my Grand saying. I've tried to emlate that.
That's good piece of advice! 😊
This year we've moved back to an apartment, after renting a house for a couple of years. Not only is it less stressful, less work, less cleaning, and a MUCH smaller rent, but a smaller place also means being more intentional and paying more attention to what you want to buy.
Even though a rent in a big city might be higher, it gives you the possibility to ditch a car, as you can easily rely on public transport or bike lanes.
Furthermore, it's much easier to have a smaller footprint in a bigger city, especially when you have everything you need in proximity. Social housing is a great concept that's starting to see some light again in Europe.
That's true as well! 🙌
My ma always said about big houses that you have to fill them up with people. One should not have a bigger home than one need.
You raise some quite profound issues around modern lifestyles. I wish I had been more financially disciplined in the past. I could be retired and free of many financial concerns now. Sound advice Seve.
Thank you 🙌
Hey,
I’ve been debt free for 2 years and I’ve managed to save a little. I do think I could be a bit more careful or at least more mindful when it comes to spending…I say this as frugality maybe a little extreme for now but I’ll work on this. Thank you for sharing 😊
Healthcare for my family alone is like $2,000 a month. The U.S. is insane. Figuring out how I can cut back without putting my family in a terrible financial situation if someone gets sick. My baby was hospitalized a couple of months ago. How much did it cost? $397K and insurance paid all but $2K. Wild.
Whaaaaat? That's the amount some people make in their whole career 😯 I mean I do know a thing or two about how differently things work in the US with insurances and stuff compared to Europe but how can they expect anyone to have 400k to spend in a couple of months? What way of doing business is that? I guess they don't expect and just know insurance companies will pay basically whatever?
Many bloodsuckers in the health care business. $400K is so much money that it almost give one a heart attack.
What would have happened to your baby if you did not have insurance?
I live in a small one bedroom apartment about 20 mins from the city. It costs a small amount more than if I lived further out but the location is so close to the local shops, I walk there (3 min walk). And it's 5 mins walk to the train station. I got rid of my car and don't miss the expense of it. If I need to I can Uber when needed and it's still cheaper. I use my bicycle too. Also keeping my home warm in winter is very low cost because the space is small. I live as a minimalist and the small space is cute and perfect. I'm saving a lot of money because of the size of my home and the proximity to shops and public transport. I can earn less as a result and have a less stressful job. I love it. I would have done this sooner if I'd realised I could give up my car without missing it and save money overall. I also don't connect Internet to my home, I use my mobile phone hotspot. So I save money there. I have lots of things I do to cut right back on expenses.
With all these balanced choices you can keep your very beautiful smile! Love and Peace dear!
❤️❤️
I moved to italy temporarily, got a dyson vacuum second hand, used it for a year and then resold it for almost what I paid for it. second hand is amazing lol
Appreciate your positive style! 😀 7:40 I've been being too frugal about buying a dishwasher for YEARS now. 🤪 I finally realized that given how I often I eat out it would quickly save me money AND improve my health by making me more likely to eat at home, but I *still* have a mental block about it because they're expensive and I know I want to move. Time to do some math about how likely I am to *actually* move in the next X months vs. the benefits I'd gain from having it! Thanks for the video! 😃❤ 🥗🍳🍵
Yeah, really good that you have the awareness now and can run the numbers! 😉
Same guy after 10 years. I wish I had bought this bought that enjoyed life
I have a nice savings. I don't spend much money have been using a budget for 20 years. You must write down what you are spending your money on then you will do much better
As a typical consumer driven American who felt like I had to have everything I ever even thought about for 50 years, my last ten years have been the opposite. It's an adjustment first of all. Can't deny that. But I've crafted a life no longer depending on that quick adrenaline burst that fades so quickly. The big thing with any addiction and consumerism is an addiction, is finding somethings to replace that high! For me it's physical fitness and development of personal skills. The benefits are so much greater and more fulfilling. Money wasn't really the objective or problem to begin with but the financial savings have been staggering. Amazing to say the least. Just a better life. Win win!!
That’s incredible! 👏 Yeah the benefits are so much deeper. It really is a win-win!
Highly recommend tracking your finances by pen/paper at least for a period - you'll learn more about yourself than just your $.
I only had one short for summer. I’m hardcore.
Yes I should calculate the washer dryer cost for this.
I agree with the car . Its the biggest burden every year. However i partially disagree with travel . We only live once and we aren’t young forever . I would still park some money to travel with family while we still can do loads of physical activities. At least you have the memory and experience with you before you leave the world. 🤗
100%. That's actually one of the few things I am investing in myself 😊 However, it's important to stay intentional with that as well. I can probably have 3-4 trips inside Europe with the same money I can have one trip to the US. So not overspend on expensive trips either unless you of course value that one trip more than the others combined.
if you always wanted to travel, do it soon or you will regret it when you get older. i am frugal on all aspects of life but am willing to spend on travel experiences.
Living frugal makes house clean and clear, no leftovers food in pantry refrigerator no moldy stuffs around the house, that all cause unhealthy living.
True! 🙌
I live very minimally and cheap, all because the lower my monthly bills, the less hours I have to work to sustain it and the more time I have with my closest
That's a good mindset, I think the same 😊
Thank you as always, and again, Seve - I really enjoy your tips and reminders!
Thanks for watching! 😊
Awesome awesome awesome message. Really appreciate your wisdom and insight. Too much junk in our lives. We use only bikes for our business and leaving our commercial vehicles parked saves us over almost $2k per month and we ride with smiles our faces! 😂
Right on! 🚲🚲🚲
I'm an admitted ship ahold c and this was helpful. I'm going on a spending freeze and revaluating my expenses this month.
Glad to hear it was helpful for you :)
Arigatou for sharing your advices. I see a beautiful soul out there!
Thank you for listening! 😊
I don't understand why so many people buy " stuff " every day or every week or month
Can't remember last time I bought clothes ( defo not this year )
I get paid
Pay bills and groceries
And most months spend nothing else
I get about 3k wages a month
And can easily save 2k no problem at all
Thank you for helping us .. love this
Hi Seve. One thing people don't necessarily think about, If you are leaving one continent to another, one has to consider the costs of Visas, Citizenship and (Tests), tourist visa, work visa.
(For instance - Paris) I followed people who left North America and went to France. Paris, in fact. They first had to apply for a Visa, then apply for citizenship, find a place to live, now pay rent, (but before you can do that you need a bank account.) Do you know how difficult it is to get a bank account in Paris ?? DIFFICULT !!
Then the parents sold everything they had, got on a plane and went to Paris to strike it rich. They Did NOT. And ended up moving to Portugal instead. Finding a place to live was a HUGE drama that I would not recommend to anyone. Oh My Goodness it was a thing that makes nightmares !!
People think a lateral move to Europe will be easy, and they do not think about the challenges and the costs to do that. There are many expenses and things one needs to line up first, before they can even set foot in the country they are planning to move to. Are you moving a whole house of stuff/a car/pets/do you have children/Etc...
Coming in this direction - to Canada, (Montreal) where I live, do you need a visa from where you are coming from, what are your skills, are you bilingual, (Bilingualism can be a huge impediment) do you need to live in a Big City (Vancouver/Toronto ??) Montreal is not as expensive as Toronto, but it is pricey, depending on where you want to live, AND what you want to live in. Are you coming for school? Are you coming to work ?? Do you have a family, will you need daycare ?? (Montreal daycare is a nightmare) Finding a family doctor is damned near impossible (We've been on a family doctor waiting list for over a year), although twenty odd years later, I have my specialists. But not a family doctor ...
Oh, and do you need medical (Are you Diabetic, HIV+, have other medical needs that must be met) Do you need medication ? Healthcare, (Montreal) You have to find a doctor, Good Luck. I was lucky, I did my research, and had that all lined up when I moved here. You'll need citizenship, or landed immigrant. You'll need to apply for a health care care. You will need to find a doctor to prescribe your mediation, then a local pharmacy to fill them. Whatever health insurance (Ram Q) does not cover, you pay out of pocket. Private Insurance is another ball of wax. And if you have to pay for medication out of pocket, that can really derail whatever your plans are.
It costs money, sometimes LOTS of money to move abroad from one side of the ocean or the other, depending on which direction you are traveling. Are you really going to save money on the move, knowing that before you even get on a plane or a train, there are expenses you have to consider first, before you attain a Key to a Place !!
Food for thought !! -
Really important points! Moving abroad is definitely more complex than people realize, especially when it comes to visas, banking, and healthcare. I hope anyone considering a similar move will do their research first or read this comment. Thanks for sharing! 🌿
Sharing food with partner... saves money and also healthier!
So true! 😊
someone else in Finland also living with below 1000€? Based. My pay is over 2000€ a month, and I have been told that it's barely nothing. That's to me seems absurd considering I don't even need half of that to live. Over 1000€ a month to spend on free time is SO MUCH MONEY, it's ridiculous. I do put 30% to investments but even then I can easily cover all my hobbies and free time spending.
Yeah I always wonder where all the money goes when people here say they don't get enough 😄
Many people over eat. So fasting isnt a big deal. However if youre already underweight it can be very damaging to go without certain nutrients too long. A balanced diet is very important and fasting will complicate getting enough nutrients. You see this a lot with vegans. The food they eat makes it hard to get enough proteins and essential fats leading to poor energy and brain fog.
You are saying it with literally many stuff i dont posses behind your back (i miss plants)
Dral changet for me was eating Carnivore. Much cheaper and easy!
Good luck with your colon cancer. Stop spreading shiat , unhealthy life style. My father was a carnivore his entire life. He died with 3 forms of cancer because of this diet. So, keep it for yourself brain washed.
I have positive experience so far buying phones and laptops refurbished, half the price but generally more than half the expected lifetime of new... my phone is 7 years old, I only load the battery to 90 percent and reload from 10 percent, it seems that can double the lifespan of the battery... I own a Smart 4four and negotiated rather well on it... appliances I tend to buy the cheapest from the brand Miele, not always the most user friendly, not always the best for consumption, but they tend to last a long time and with less functionality comes fewer points of failure...
Maaaaaan, I wish i was frugal when it came to spending on food but.... food is too powerful.
Stop worrying about being frugal and focus on making more income. Take it from me, it much much much (much?) much more rewarding.
I think both is the way to go. If I can't intentionally manage hundreds, for sure I can't manage millions in a smart way
Thank u for the template
Hope it will help you! 😊
This really differs from where you are located. Here in asia roughly most of the commoner in the philippines may only be lucky to have at least $400 on their paycheck. Keep in mind that they will need to budget that in 1 month. Bills, utilities and other expenses cant be cover by that
Be frugal. But also enjoy life too.
That's the plan! 😉
U are buying food and food is the most important
Public transport would cost more for me than a car. A bicycle takes three times longer to get somewhere and then you have to look after that. My car is £50 a month tax and insurance. Then it costs about £2 per trip to the shops in petrol. Plus £35 MOT and tyres occasionally £100 for two. Say about £1000 for a year of travel just going locally.
Public transport here in the UK is a poverty trap - low paid workers can't afford annual season tickets, many can't afford monthly ones. So they have to pay on the day / buy weekly tickets at extortionate rates.
I travel 8 minutes each way on the train for my commute, approx 4 miles. It's £4.60 a day, 12 years ago it was £1.10.
In Prague recently their transport was based on time - you pay for the duration regardless of bus, train, tram or metro. So you have 30, 60 etc mins to go as far as you can. 30m was something like 70p...
@@SpaceshipRocketFuel The Lord bless you.
It is impossible not to spend when everywhere you look there are aggressive commercials or influencers. I have lived not spending much, only minimum of food and essentials my entire youth in the middle of 2000 s when we didn t had social media. It was very healthy . I didn t even wanted to own much. Now, I have a house full of useless things.
what's the difference between being cheap and frugal?
Just subscribed!
So is 1000 euros including rent? I also live in Finland and my rent is more than that alone, plus basic bills, plus bills that come from time to time, such as insurance, car tax, some unavoidable medical bills. I think that after all those are covered one can live in 1000 a month ( while setting aside for any vacations and other savings), I mean like a normal month with no vacations or bigger purchases that one should set money aside for). 1000 should include basic clothing replacements as needed, food, transportation and maybe a few other things. I think this distinction is important. Finland is a fairly expensive country, even though I live in a small town, Lappeenranta. Even if my rent was halved, 500 is not enough to live on. So I'm really assuming rent and most bills are not included in this calculation.
Yeah all my expenses are under 1000 euros in most months. If I have a trip or need to make investments like now our washing machine broke, it will of course be a bit more. I am sharing a place with two other people which cuts the costs a lot. I use my bike for transportation and have been lucky enough to avoid any big medical or other bills in the past couple of years. My hobby is basically free (running) and aim to buy my food from discount offers. I don't spend a lot on my free time for other things either like going out, restaurants, etc. I am not saying this is possible for everyone and I do know that from now on it's very likely my life will become more expensive as I get older but I am happy here as well 😊
Thanks for share bro , so deep and nice 😊
Thanks for listening 😊
It's interesting, everything what was normal when I was younger is nowadays considered frugal:D (I'm fifty)
Yeah I think the world changes fast 😄
Im not buying chrismas presents this year, its just not in my budget...
Thank you
Thanks for watching! 😊
I realized I was spending too much for art (paintings and sculptures).
My wife will faint.
So many things that we don't need 😂
😄😄
Great message. What's your time worth tho? Why not focus on cash flow as well? Thanks
That's totally true. Another way to improve your financial health is of course to make more money instead of just focusing on saving it. My channel is just mainly about minimalism and saving money instead of about ways to make more of it so therefore I didn't mention that. Thanks for listening 🌿
The Mustache 😍😊😁😁😁😊😍
😄❤️❤️
You're so frugal you even sold the t from your name!😊
I am Seve :) I like the name Steve but unfortunately my frugal parents sold the T 😄 Maybe I need to buy it back
Helsinki is a good place to live. You might not save much money but at least you don’t have to worry about being stabbed using the train at night.
For sure not 😄
EVERYTHING IS TEMPORARY
I recired house costs and car costs and they are about equal, but i need car because public transport stops at 6pm and i cant walk long distances
Yeah I get it. Unfortunately it's not something everyone can do. Hope we will create better systems in the future! 🙌
Leave beneath my means budget track expenses savings live below means
Here's one way I saved pots of money...first I sold my car and with the money I saved running it and the cash I sold it for, I put into a saver account. I still had to get to work so got the bus, then after a while I thought...Instead of catching the bus to work...I can run behind the bus all the way until I get to my job and keep fit too.
But for those of us who want to do even better than that...We can run behind a taxi cab that's going in the same direction and *SAVE EVEN MORE MONEY* Clever Huh?
Learn to say the word no
So important! My new video is about exactly this 😊
You are doing the right thing. In the US a person in their 20's now will probably need over $10 million to retire in 40 years due to constant devaluation of the dollar. Cost of living doubles every 12 years no matter what government says about inflation because the dollar is constantly devalued, that is 6% devaluation compounded annually. If a person needs $50K to live now, in 12 years they will need $100k to stay even, in another 12 years they would need $200k to stay even, another 12 years that person would need $400k. It would take $10 million earning 4% to produce that $400k/yr to live on, this is why a person in their 20's now will need $10 million to retire.
It's actually not a virtue in case you're wondering.
Try doing this and fixing up a house. Try buying almost nothing and own a house.
I make alot of trips to our neighborhood on my electric bicycle, instead of using the our car ;0
Amazing! 🙌 I might one day get one of those too if I save enough 😊
This is cool but your goal should be to be successful to the point where you don't need to micromanage your finances 24/7
The definition of success certainly varies but I'd say in most cases yeah, and that's one of the reasons why I am living frugally. Of course there are people who like to micromanage finances as a fun hobby (I know a couple haha). I personally like to manage them and be intentional but not count every penny
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Good video, however fundamentally, the reason I earn money is to live in pleasure and leisure. What are you saving for? Why are you sacrificing? What’s the end goal?
I have no issue spending my entire paycheck on living luxuriously because I’m here (in life) for a good time, not a long time. I will not be the richest corpse on the graveyard, and I will never struggle on my way there!
Well as a medical provider I know patients who lived in luxury and spend it all, enjoying life and when they had a stroke/car accident or just life catastrophes and couldn’t work or do anything for themselves and no savings, they were sitting alone without any help and with no finances to live life as an handicapped person. So think about it. You can’t spend and live like a fool . Us humans need to think about tomorrow bc today you are healthy and can work but what about tomorrow ? Take a minute and marinate that thought.
@@mariaciupac3522 As a medical manager I have loved ones, including my mother (a nurse) who died relatively early; I've held the hands of 2 close family members as they died. Neither said they wished they spent less money, or wish they had more to die with!
I'm wondering what it could be about the provision and level of care in your facility that makes your patients say to you "if only I had more money right now"?
Professional tip how to buy nothing: be poor.
Works every time 😂😂
Don't date...I promise you will save a crazy amount when you stop dealing with women for a while.
Find a frugal woman with the same goals! 😊
Step 1: move to Finland.
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Interesting that you dont feel like traveling. Thats one of my biggest ( maybe the only?) motivations for being frugal here in Germany. 😊 Its literally my life. Not silly resort all inclusive vacations but literally staying abroad in far away countries , ive lived a year in Japan, a year in thailand and in Mexico 🔥
I definitely do! Just not have these expensive trips or travelling far away. My frugal living and environmentalist values kind of go against those. I will do trips like that still in my life probably but want to make them more special, exactly like you said by moving to those countries, and not just having one-week "getaways"
@@SunnyKindJourney you're the man ! Love your videos and just subbed
Good job being frugal while you are young then enjoy life at 70s😂
Hope so 😉😊
Who says spending is the only way of enjoying life, some people like to feel financially free and not be chained to a job just because your expenses are too high
U don't have kids or wife??
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You want to hear my advice!
Don’t get married or have kids!!
Hookers are cheaper.
Have some children and see how the extremely frugal thing goes!!!!!!
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Hopefully I will one day. Will make videos about it then for sure 🌿
I’m a child that grew up in a frugal household enough with trying to keep up with the jones crap. Seriously I ate what I was fed. Parents these days are friend with their children that’s it’s disgusting. We didn’t do Christmas or celebrate most holidays. I was always instilled with the values of needs not wants so maybe u should have raised ur children that way.
Hey Steve - you forgot to add the letter "T" in your name. In English, even if the letter is silent, you must still include the letter when spelling the word. cheers!
My full name is actually Severi but I use my nickname "Seve" on UA-cam 😊
@@SunnyKindJourney groovy! i've never heard that name before. Very unique!
wytłumacz to mojej żonie :-)
pozdrowienia z Polski
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Let's gooo ❤️❤️❤️❤️😊
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