0:55 Save your change 1:30 Remove temptation (put money for bills in a separate checking account) 2:35 See if your shop can be a CSA pickup site (you might get free produce) 3:30 Open a retirement account (open a Roth IRA) 4:08 Budget your night out from your tips
Keeping the essentials (rent/phone/utilities) and anything else in separate accounts is so simple but was HUGE for me. Also, using tips for a night out or frivolous purchase (for example, a pair of shoes I’d been eyeing) is a habit I LOVE. It isn’t really money you expect to have so when you use tip money, in a way, it doesn’t come out of your income 🤑🤑🤑
I really like the concept of budgeting your night out from tips (Tip #5). It sets a spending standard and it can become a fun game of "what shall I/we do tonight? Oooh let's see based on what I can spend..."
Really nice to hear some advice other than "just keep side-hustling, peasant!" or "have you considered just getting a higher paying job?" This sounds like actual practical advice for the 99%.
I still can’t believe the amount of people who literally throw money in the bin. I was dumbfounded when I found this out. Like it’s just as easy to give it to someone or buy a packet of gum or something with it especially now with self service tills at shops where you can just chuck it all in.
So enjoy this channel. I want to share that i have a relative that is on the level to need Prepper Princess and it has helped her change her habits. Keep working at this, try different habits, pass on financial education to everyone you know. Rates of inflation depend on our financial literacy.
Remember those NBC PSA's "the more you know". We should crowd fund similar PSA's for nation wide tv advertising teaching personal finance. Start with "pay yourself first" to help curb inflation.
There are no high yield savings accounts!! When I first opened an ISA in 2006, 6%, 7%, even 8% accounts were available. Now the savings rates are less than 1%. It's pathetic.
As a career food & bev/hospitality professional, my coworkers and I do a lot of those same things. We were lucky in that once you made full time, you had some pretty killer benefits. But those who worked part time, or full time in a non-tipped position, pockets were always tight and we always were looking for ways to either pick extra shifts up and find free things to do so we could save whatever we had.
Somehow this world has its very intricate way to take your money away. Even if you save on pennies, you are going to throw away that celery or cabbage that went bad, spoilt milk or misfitted dress, tear your shoes or simply drop a 20 IF you (on some deep level) are against having money. Talk about the psychology of money loss (on the why), not the how
Both are important and much of it is on us, especially with food waste, bargain shopping or doing things because we use emotions instead of logic. We have to be savvy to have money even when we have higher salaries but more so when less. So thankful YT to help people at least try.
I didn't know it was normal to get tips working at a cafe! I used to work at a Starbucks outlet location and I never got tips! I did get a lot of free lattes though, so that was a perk I guess :P Luckily I have a job that pays a bit more and has benefits now, and best of all isn't in customer service so I'm not getting yelled at everyday by entitled Karens who complain about the cost of everything when the price IS CLEARLY LISTED ON THE MENU YOU JUST ORDERED OFF OF.
This is literally all I do but I'm not a barista XD I'm a freelance language service provider, so yeah...each month goes the way it does depending on my efforts and if I take time off, that's money out of my pockets...so whenever I get mypay I put away 40% for taxes, pay my rent and utilities and then put 200€ away " just cause" in a savings account. I then just use what's left - which is not much...but I'm never out of and it forces me to be mindful about how I spend the rest. And if I wanna treat myself for a special occasion, I can.
You may not care about my opinion, but in case you do. I couldn’t make it through the video because of the monotonous “scripted” tone of voice. It sounds like Siri, and I can’t bare that for 5 minutes.
Restaurants are a NoGo for me. Overpriced overly salted food. I ather cook with my friends. That's so much more fun and I know exactly what's in my food and how hygienic the kitchen is. Going out - only Gothic Clubs. I can't stand nowadays music and the people there are more interesting to look at. Sad that the US doesn't have a functioning health care and retirement system.
These are excellent tips! I enjoy gambling, I always keep the small change tickets , cash them and add them to my change jar at home. You're correct the coins add up! I love to shop, lately I started investing in stocks. Believe it or not over time my shopping money has been growing! We also allow ourselves two nights out per month, we can always find something less expensive to do at home!
I use a scheduled transfer in my bank's app to do it every week after I get paid. I put a certain amount into our joint checking for paying bills and another into savings and set them to reoccur every 2 weeks on Friday.
Most employers will split your direct deposit. So you can make them do it then you don’t have to worry about it. So, in her example the $450 each check the employer DD into her payment checking and the remainder into her spending checking.
@@jeremyhelquist I did that for years. There is something about out of sight out of mind that work. I had a savings acct that was for savings & big expenses (insurance, property tx etc.); a checking acct for household expenses (utilities etc.) and a second checking acct for groceries and ‘flexible’ spending. The second acct was used like cash envelopes. I just made sure I kept tabs on the checking accts do no overdrafts.
I keep all of my change too, I have 4 crayon banks broken down by denominations and as soon as a crayon is full I take it to my credit union and deposit it through the coin counter.
Pay yourself first. I automatically invest into my retirement portfolio. Before doing anything. Granted I've had to reduce my contribution to as little as 5% when things got rough. But I never stopped.
Irrelevant aside from bringing awareness to another person's way of life? Being from the UK I find it mind-blowing just how many people don't have access to free state-funded health care and could be a single medical emergency away from financial ruin.
You can take value from everything if you have the right attitude. I'm not in the service industry or in the US either (3rd world country here), but i usually do the rounding up thing myself to either pay more towards my debt or to put away a little more money. The CSA thing does not apply to my country at all, but we do have stuff like food banks and i always forget to check them out, the last time i went i found a lot of stuff from Costco (dog food, bags of produce, cheese) for free or for just a fraction of the price., this video reminded me to go. Retirement advice is the most basic advice you can get, and it applies to pretty much everyone, everywhere. Sure, in my country the name of the thing is not Roth IRA, but we have somewhat equivalent and banks and insurance companies offer other products that can help you to plan for your retirement.
@@alepolait8951 I am just pointing it out. It is specific or very basic advice that will not benefit most people - has nothing to do with attitude. Retirement planning or paying your bills is not a new thing. Not losing your money (coins) is something more applicable to children.
@@alepolait8951 Many ppl also get a (decent) minimum wage once a month and can apply for a multitude of social programmes in delveloped countries. But accummulating too many savings would opt you out. The US system is just antisocial and pro-rich. It does not matter how many pennies you bring to the bank if your medical bills set you back thousands.
The video and title makes it very clear that they're talking to a specific audience. Stop complaining and do the work to find "relevant" videos yourself instead of expecting creators to do it for you.
"And I saw the dead, small and great, standing before God, and books were opened. And another book was opened, which is the Book of Life. And the dead were judged according to their works, by the things which were written in the books. The sea gave up the dead who were in it, and Death and Hades delivered up the dead who were in them. And they were judged, each one according to his works. Then Death and Hades were cast into the lake of fire. This is the second death. And anyone NOT FOUND written in the Book of Life was cast into the lake of fire." (REVELATION 20:12-15 NKJV) Today, while you are still alive and able, may you repent from your sins, believe in your heart and confess with your mouth that JESUS CHRIST is your Lord and Savior, so that through Him, your name will be written in the Book of Life. "For God so loved the world that He gave His only begotten Son, that whoever BELIEVES in Him should not perish but have everlasting life. For God did not send His Son into the world to condemn the world, but that the world through Him might be saved." (JOHN 3:16-17 NKJV) By God's GRACE, the gift of Salvation and Eternal Life is available to all. You can RECEIVE it. You can REJECT it. May you choose wisely.
My first trade on his signals earned me profits about 38,765.usd since then he has never failed to deliver to trades and make consistent profits for me
0:55 Save your change
1:30 Remove temptation (put money for bills in a separate checking account)
2:35 See if your shop can be a CSA pickup site (you might get free produce)
3:30 Open a retirement account (open a Roth IRA)
4:08 Budget your night out from your tips
Thank you so much, it’s actually PAINFUL to listen to this one. I loved this channel early on too. So sad what’s becoming of it
Kind of disappointed in this one. Aside from the CSA pick up it’s all either things they’ve discussed at length or just painfully obvious
Keeping the essentials (rent/phone/utilities) and anything else in separate accounts is so simple but was HUGE for me. Also, using tips for a night out or frivolous purchase (for example, a pair of shoes I’d been eyeing) is a habit I LOVE. It isn’t really money you expect to have so when you use tip money, in a way, it doesn’t come out of your income 🤑🤑🤑
I think of it like free money 🤩🤩🤩
I really like the concept of budgeting your night out from tips (Tip #5). It sets a spending standard and it can become a fun game of "what shall I/we do tonight? Oooh let's see based on what I can spend..."
I normally love these videos but the voice reading the words kept distracting me. Is it AI? I miss the people narrating it
Really!!! 🤮
I’m pretty sure it’s a real person who’s just talking blandly.
Yeah I had a hard time with it, too. I think it improved as the video went on though.
I immediately identified it as a robot voice. Distracting and annoying.
Put the playback speed to 1.5x or 2x. Sounds better
Really nice to hear some advice other than "just keep side-hustling, peasant!" or "have you considered just getting a higher paying job?" This sounds like actual practical advice for the 99%.
Agreed!
I really like the idea of rounding up your monthly expenses to make sneaky savings!!
I still can’t believe the amount of people who literally throw money in the bin. I was dumbfounded when I found this out. Like it’s just as easy to give it to someone or buy a packet of gum or something with it especially now with self service tills at shops where you can just chuck it all in.
What on earth, this is really a thing??
So enjoy this channel. I want to share that i have a relative that is on the level to need Prepper Princess and it has helped her change her habits. Keep working at this, try different habits, pass on financial education to everyone you know. Rates of inflation depend on our financial literacy.
Thanks for the CSA tip, super useful in my area 😊
Remember those NBC PSA's "the more you know". We should crowd fund similar PSA's for nation wide tv advertising teaching personal finance. Start with "pay yourself first" to help curb inflation.
Completely agree. That's a great idea.
Super practical advice from someone who’s been through it 👍🏼
These shorter videos are so helpful and keep me interested and paying attention
ADD 🍓🐝
What is with the flashing streaks & dots in the video? It's REALLY hard on the eyes. I had to stop watching after less than a minute in.
They are in all of the "Making it Work" videos. A deliberate stylistic choice, if a questionable one
One thing I learned:
1. People will purposely make your job a living hell because they don't respect service workers
Absolutely! 💯
Making money is an action. Keeping money is behavior. Growing money is knowledge
Please how can I contact Mr. Brian C Nelson? I really like what he does, and I also want to benefit from it.
Appreciate this one, I liked the simple and practical advice offered. Very glad to know it's not just me who watches the pennies/coins like a hawk :)
There are no high yield savings accounts!! When I first opened an ISA in 2006, 6%, 7%, even 8% accounts were available. Now the savings rates are less than 1%. It's pathetic.
As a career food & bev/hospitality professional, my coworkers and I do a lot of those same things. We were lucky in that once you made full time, you had some pretty killer benefits. But those who worked part time, or full time in a non-tipped position, pockets were always tight and we always were looking for ways to either pick extra shifts up and find free things to do so we could save whatever we had.
Somehow this world has its very intricate way to take your money away. Even if you save on pennies, you are going to throw away that celery or cabbage that went bad, spoilt milk or misfitted dress, tear your shoes or simply drop a 20 IF you (on some deep level) are against having money. Talk about the psychology of money loss (on the why), not the how
Both are important and much of it is on us, especially with food waste, bargain shopping or doing things because we use emotions instead of logic. We have to be savvy to have money even when we have higher salaries but more so when less. So thankful YT to help people at least try.
Are there any high yield savings account today?
Goldman Sachs is about 1.70% right now
Wealthfront is back up to 2 percent.
Marcus by goldman
Ally bank is 1.6% for me
How do i open a Roth IRA on a low income?
Love these!!
I enjoyed this video, thank you for the advice :)
I didn't know it was normal to get tips working at a cafe! I used to work at a Starbucks outlet location and I never got tips! I did get a lot of free lattes though, so that was a perk I guess :P Luckily I have a job that pays a bit more and has benefits now, and best of all isn't in customer service so I'm not getting yelled at everyday by entitled Karens who complain about the cost of everything when the price IS CLEARLY LISTED ON THE MENU YOU JUST ORDERED OFF OF.
Thanks!
Why do you do the analysis if there are reliable Cross Staking platforms such as Cross Staking?
This is literally all I do but I'm not a barista XD I'm a freelance language service provider, so yeah...each month goes the way it does depending on my efforts and if I take time off, that's money out of my pockets...so whenever I get mypay I put away 40% for taxes, pay my rent and utilities and then put 200€ away " just cause" in a savings account. I then just use what's left - which is not much...but I'm never out of and it forces me to be mindful about how I spend the rest. And if I wanna treat myself for a special occasion, I can.
Thank you!
You may not care about my opinion, but in case you do. I couldn’t make it through the video because of the monotonous “scripted” tone of voice. It sounds like Siri, and I can’t bare that for 5 minutes.
Restaurants are a NoGo for me. Overpriced overly salted food. I ather cook with my friends. That's so much more fun and I know exactly what's in my food and how hygienic the kitchen is.
Going out - only Gothic Clubs. I can't stand nowadays music and the people there are more interesting to look at. Sad that the US doesn't have a functioning health care and retirement system.
This was a good one. I wish I knew to do this when I was in my 20's working in food service and retail.
Excellent advice
I like this.
I have seen the best interest rates only at staking sites with Cross Staking technology, Cross Staking for example
Why does this video sound like it was narrated by a robot? I usually expect higher quality content from this channel
My money hack is stealing shit from work😂
These are excellent tips! I enjoy gambling, I always keep the small change tickets , cash them and add them to my change jar at home. You're correct the coins add up! I love to shop, lately I started investing in stocks. Believe it or not over time my shopping money has been growing! We also allow ourselves two nights out per month, we can always find something less expensive to do at home!
Wow, this one was actually good!
Does anyone have a recommendation for banks/tools for automatically transferring money into a separate checking account?
I use a scheduled transfer in my bank's app to do it every week after I get paid. I put a certain amount into our joint checking for paying bills and another into savings and set them to reoccur every 2 weeks on Friday.
Most employers will split your direct deposit. So you can make them do it then you don’t have to worry about it. So, in her example the $450 each check the employer DD into her payment checking and the remainder into her spending checking.
@@jeremyhelquist I did that for years. There is something about out of sight out of mind that work. I had a savings acct that was for savings & big expenses (insurance, property tx etc.); a checking acct for household expenses (utilities etc.) and a second checking acct for groceries and ‘flexible’ spending. The second acct was used like cash envelopes. I just made sure I kept tabs on the checking accts do no overdrafts.
Is it ad for CSA?
🔝🔝🔝🔝🔝🔝🔝
Thanks for your feedback.
Send a msg to my financial advisor.
Tell him i recommended you.
The CSA has a website with all the sites in the US!
Great advice.
LFG if you don’t work with Cross Staking provider yet
As if I could afford a daily Latte to begin with.
Haha! Same!
This voice is definitely a text to talk one... it's creepy. Please use real voices in the future and pay someone instead of using a robot
I keep all of my change too, I have 4 crayon banks broken down by denominations and as soon as a crayon is full I take it to my credit union and deposit it through the coin counter.
True… the human voice was better
Guys, if you have BTC, ETH, LTC, BNB or tether - just open staking with an Cross Staking provider and don't worry.
Nice!
Sarcasm?
3rd comment.
That pizza looked gross.
This is one of the only TFD videos that I think is a literal waste of time
Despite the economic downturn I'm so happy to be receiving my profits of $56,200 from my investment of $8,500 every 14 days
You should’ve invested that $40. Or least half of it.
Pay yourself first. I automatically invest into my retirement portfolio. Before doing anything.
Granted I've had to reduce my contribution to as little as 5% when things got rough. But I never stopped.
Guys, just deposit your ETH on the Cross Staking platform and chill
1st Comment
What a great achievement in life
🏆
Is this narrated by a robot? It sounds weird and it’s distracting from the content
Are you kidding? Tell everyone about Cross Staking…
The easiest way to increase your crypto assets is Cross Staking! Just use it!
Yikes, the voice…
This advice is irrelevant for many people (esp. outside of the US service industry).
Irrelevant aside from bringing awareness to another person's way of life? Being from the UK I find it mind-blowing just how many people don't have access to free state-funded health care and could be a single medical emergency away from financial ruin.
You can take value from everything if you have the right attitude. I'm not in the service industry or in the US either (3rd world country here), but i usually do the rounding up thing myself to either pay more towards my debt or to put away a little more money. The CSA thing does not apply to my country at all, but we do have stuff like food banks and i always forget to check them out, the last time i went i found a lot of stuff from Costco (dog food, bags of produce, cheese) for free or for just a fraction of the price., this video reminded me to go. Retirement advice is the most basic advice you can get, and it applies to pretty much everyone, everywhere. Sure, in my country the name of the thing is not Roth IRA, but we have somewhat equivalent and banks and insurance companies offer other products that can help you to plan for your retirement.
@@alepolait8951 I am just pointing it out. It is specific or very basic advice that will not benefit most people - has nothing to do with attitude. Retirement planning or paying your bills is not a new thing. Not losing your money (coins) is something more applicable to children.
@@alepolait8951 Many ppl also get a (decent) minimum wage once a month and can apply for a multitude of social programmes in delveloped countries. But accummulating too many savings would opt you out. The US system is just antisocial and pro-rich. It does not matter how many pennies you bring to the bank if your medical bills set you back thousands.
The video and title makes it very clear that they're talking to a specific audience. Stop complaining and do the work to find "relevant" videos yourself instead of expecting creators to do it for you.
Personally, I keep my USDT only on Cross Staking. The most reliable for the current day
"And I saw the dead, small and great, standing before God, and books were opened. And another book was opened, which is the Book of Life. And the dead were judged according to their works, by the things which were written in the books.
The sea gave up the dead who were in it, and Death and Hades delivered up the dead who were in them. And they were judged, each one according to his works.
Then Death and Hades were cast into the lake of fire. This is the second death. And anyone NOT FOUND written in the Book of Life was cast into the lake of fire." (REVELATION 20:12-15 NKJV)
Today, while you are still alive and able, may you repent from your sins, believe in your heart and confess with your mouth that JESUS CHRIST is your Lord and Savior, so that through Him, your name will be written in the Book of Life.
"For God so loved the world that He gave His only begotten Son, that whoever BELIEVES in Him
should not perish but have everlasting life.
For God did not send His Son into the world to condemn the world, but that the world through Him might be saved." (JOHN 3:16-17 NKJV)
By God's GRACE, the gift of Salvation and Eternal Life is available to all. You can RECEIVE it. You can REJECT it. May you choose wisely.
My last "change/tips" jar ended up being almost 200€ ;)
Despite the economic downturn I'm so happy to be receiving my profits of $56,200 from my investment of $8,500 every 14 days
Wow I'm shocked you just mentioned Expert Margaret I thought I was the only one trading with him
My first trade on his signals earned me profits about 38,765.usd since then he has never failed to deliver to trades and make consistent profits for me
I was suprised when he helped me recover my losses of 7000usd back when i was scammed in 2019 today I make a double of that weekly...
Margaret is a good Broker he has really made a name for himself..
How can I reach out to this Broker please?