You know, Cas, people don’t talk about reusing towels or wearing clothes more than once or washing on cold. All great points! And money savers. Kudos to you for taking a stand. Very brave.
You are definitely not supposed to reuse towels because they harbor bacteria. Especially if you dry your face in the spot you wiped your butt the time before.
Hey have a separate hand towels for the butt and replace as often as you wish. Reuse the body towels. Just make sure your towel is on the thin side and dries quickly. If you live in warm weather hang outside to dry. It will smell wonderfully clean.
Last month I did a 30 day challenge where I bought no groceries & just lived off my overstocked pantry. Never missed going to grocery store. I hate going to the grocery store. I'm so proud of you for standing up for yourself. I hate confrontation also.
We wear jeans 3 times, use towels for 3 days, pajamas 3 days! Thank you for bringing it up because it blows my mind how often people wash things that don’t “need” to be. I do change out hand towels and washcloths daily
I agree! If it doesn't smell and it doesn't look dirty, definitely don't wash it! It wastes water, time, energy (electricity and your own energy), AND can wear out your clothes faster!
My mom always said your hair is clean and your body when drying, why is the towel dirty? She had a point, I let them go a few days unless obviously dirty
64, same! Oh and I meant to congratulate you on the skills learned from utube! I’ve fixed my water main and redone the pipes from the water heater to the kitchen (about 40’) under my mobile. And thank you for being pit police, well done!
I love these stories. "NO" is a loving word. You and Joe had goals and you held each other accountable! You are an awesome team. All the best to your family.
There needs to be pit security at concerts. Bullies know most people hate confrontation and will get away with it. I think it’s great that you and other parents stood up to the bullying!!!
I’ve never heard of waiting in line for general admission or pit. Usually you just go in and it’s a free for all. If you want the front you have to work for it. This sounds like more of a kids show though, with seats? Different. Hopefully it was fun anyway!!
Oh! YOU GO GIRL!!!! I am SO proud of you, for standing up to the Mean People who think they can just push their way through life!!! I am like you and seem to always want to be "nice"....... But YOU!! YOU DID THIS!!! YAY!!! Thank you for all your great videos and ideas on so many good and do-able things in life!!
I don't know if you will see this comment, Cas, but I hope you do. I've been listening to you for a couple years now, and I never knew that you were homeless as a teen. Can I just say I admire you like crazy pants?? Think of the turnaround in your life - from not having a home, to helping so many people like me make their homes beautiful. You are such a gift to this world and I'm so glad you never gave up. Thank you for pursuing your passion, and helping to make beautiful homes for thousands of families. ❤️
It occurs to me how many of us have to re-parent ourselves as we get older and teach ourselves how to live life better. I’m going through this right now with cleaning (hello to your channel!), food, and relationships. And money too lol. It never ends! I love that people like you help out the rest of us when you’ve figured out part of the journey.
Hi, I just found your channel. You have great tips on being frugal. I know what you mean about getting angry when it comes to seeing your bank statement each month and seeing how much interest you are paying. I think, this was my turning point to becoming frugal! Also love your story about sticking up against the bullies at the concert. You go girl!
I am so HAPPY to hear you say it is ok to defend yourself against bullies. Great to hear that other moms joined you! We live in a world in which it has become necessary to be brave, and what a great lesson to teach your kids too! Because let's face it, bullies don't stop unless they are taught there are consequences for being mean!!
You are my heroine Cass, standing up for what is fair, and defending people who stand in line, and doing it with civility. This is the most Canadian thing I have heard today. YOU RULE.
I'm so happy for you girl, having money in the bank is a game changer! I only spend money on Fridays, it also makes me think about my purchases and most of the time I decide I don't actually want whatever it was.
@ohcaptainmycaptain4829 Groceries, gas and pretty much everything else. I do Fridays because it's payday. I do all of my errands on Fridays. It does take a little planning and getting used to 🤣
Trust this advice everyone! 15 years ago I was broke, in debt and still spending beyond my means. A viscous and never ending cycle. One day I said to myself, “Enough!” Started with saving $50 a month by treating that $50 as an expense. I started eating from the freezer and pantry (except for fresh produce and cream for my coffee). Speaking of coffee, I started making my own at home. Organized and used up any and all gift cards for essentials or a treat every so often. Switched car insurance and chopped $400 off my annual policy. Called my cell phone company and they cut my bill in half!!! Cancelled any and all subscriptions. Moved from my expensive apartment in the city to a very nice, large and bright studio in a suburb. I am now debt free and saving so much more than that original $50 a month. Do what she says - switch your mindset. It doesn’t happen overnight and takes a lot of planning and sacrifice, but you’ll get there and be so happy you did.
Roughly $120K in my portfolio are in tech/TSLA stocks, can I get an advice on any other stocks that I can acquire to diversify my reserve across multiple markets while creating a comprehensive portfolio allocation that balances my concerns of risk aversion and returns that meet yearly inflation...
the strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
True. Having the right financial planner is invaluable. My portfolio is well-matched for every season of the market and recently hit 90% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, though this could take till Q3 2024.
Is there any chance you could recommend who you work with? I've wanted to make this switch for a very long time n0w, but I've been very hesitant about. I'll appreciate any recommendation.
My CFA Julianne Iwersen-Niemann a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market...
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
We wash everything in cold and have had no issues. We also only dry towels and sheets in the dryer, everything else, yup, undies, socks etc are all hung to dry. Great video! 🌟🌟
Thank you for these tips, Cas. I just saved them in a money savings document. I'm going to implement these! Here are my notes: Extra tips 1. Save 10% of your paycheck 2. Save your bonus money 3. Put money into a high interest savings account 4. Buy bigger purchases second hand 10 tips 1. 7 day no spend challenge 2. Meal Plan each week - Look at your food budget 3. Eat from your freezer 4. Meatless Mondays 5. Make snacks at home 6. Evaluate subscriptions 7. Negotiate service plans 8. Wash your clothes on cold 9. Wash your clothes less often 10. Do it yourself (UA-cam university)
I’m proud of you for standing up to the mosh pit bullies! I have a tip for sending the wrong food back. Just say “ this looks really good. I bet the person who ordered it will be upset they didn’t get it.”
Dear Clutterbug, I've been working in restaurants as a server for most of my life. It's perfectly ok to let them know that they gave you the wrong food!!! In fact you're helping! Just to let you know! You're wonderful and I enjoy your content!
I’m only partially through the video, but yes! When we paid off all non-mortgage dept it was amazing freedom. Then we built our savings up (a lot) and the freedom compounded. Then we paid cash for a car for the first time (completely chances that experience) and even more freedom. Last year we were able to put an additional $30k towards our mortgage. All this while I’m fighting cancer for the 3rd time. I cannot imagine carrying that additional stress during an already stressful time. Thankfully we prioritized our finances before I got sick.
I love to use what I have around the house. In the last few weeks I’ve made a bedside cart, a firewood shelter out of old wood and even parts of an old aviary and stuff from my craft room. I made a spray painting station out of a large cardboard box and a curtain rod. It’s fun to use stuff that you wouldn’t normally use to make new things.
❤ I've been making stuff out of cardboard . I started doing a lot of online shopping for essential things to keep me from impulse buying at the store , hated throwing away the boxes. So now I make useful drawer organizers, storage totes, picture frames, I just finished a cat condo😆 they love it.
Thanks for the reminder about putting 10% of your income into savings. I stopped doing that when extra money was needed for a huge repair. Need to start doing that again. Also, it took a hard lesson of huge credit card debt long ago to vow never to use credit cards again. High five for standing up to the concert bullies!
If you have your pay automatically deposited I would recommend setting up a second account for a preset amount to be deducted at the same time. It's great because I only really look at my chequing account so it doesn't really hurt so bad. Then when I go to the other account it like a huge surprise how quickly it accumulates when you don't have to manually transfer funds.
Cass - you are my guru. I am discovering that I have ADHD so I’ve struggled for most of my 55 years. When you explain how to do something it helps me. Thank you. ❤❤❤
Thanks for the tips and for reminding me why I never want to attend events with large crowds of strangers. That’s an easy category for me to save money on! 🎉😂
BOTH partners have to be on the same page with money. It doesn’t work otherwise. We’ve been saving consistently since our 20s. Now, in our 50s, hubs is semi retired (so he can be a UA-camr! 😁) and it’s just me working but we have more than enough in savings and no debt that we are totally ok and I will still be able to retire at 60. And PLEASE do yourself a favor. You had a vid recently that talked about cleaning your dryer lint trap. I had always removed the visible lint after each load but I did not realize how much buildup was on the screen. It was taking FOREVER to dry a load of laundry! I saw your vid and said what the heck, I’m gonna run that bigger through the dishwasher. It totally worked - and I feel safer knowing it’s less of a risk now. Thanks!!
Check the outside where it vents to the outdoors. I was just house sitting & the cage around it, that keeps creepy crawlers out, was compacted with 4” of hard dry lint. So now I need to clean out the entire hose. If it was mine, I’d replace it with a new one.
Thank you. I think having to struggle for years creates a lifelong mindset about how I view my money. I see it as money to save. With a mindset of saving money even when I didn’t have it to save, I am a lot more stable now than I would have been if I’d budgeted my money to spend down vs saving up.
I paid off $13,000 over the course of six months. I stopped going to places where I was tempted to overspend (Target, Marshalls, Home Goods), limited myself to twice a month when it came to going out for dinner - including fast food - or drinks with friends, did my best to stick to a grocery list, and have bought very little in the way of clothing. I started on a path to minimizing my current inventory, which involved a strict ‘one in/one out’ policy. It completely changed my relationship with shopping from ‘do I want it’ or ‘do I need it’. The money I saved to assist in crawling out of debt was unbelievable.
Great tips you shared today. I have been doing no spend for 3 weeks and only purchased dairy goods as needed. It’s amazing how we don’t realize how much we actually have in food and need to use up. I only wash in laundry in cold water, I never used a dishwasher although we’ve had one for many years. I use it as my drying rack. I wear pajamas numerous times and jeans as well because I work from home. No need to waste the money foolishly. I am completely out of debt and use my credit card but pay it off at the end of the month. Today was the first day I actually purchased for me. I bought 6 summer tops for the Florida heat. I will continue the no spend challenge as my husband is loving it and we only buy necessities or when an item is needed. I wish more people would at least trying it and maybe because you gave great tips more will be trying it out. Definitely a game changer without sacrifice.
😂I had the exact same situation when my daughter was little but we were in line for a t-shirt at an NSync concert! A mom pushed my 10 year old out of the way and tried to cut in front of her. I stood my ground and to this day it is one of the memories my daughter talks about and says “don’t mess with my mom!”
Agree with all your tips! After decades, I'm a bit shocked at how much we saved. Retirement will be just fine. And yes, we must stand up for ourselves!
Thanks, for the saving money tips. Also, YOU GO GIRL!! I'm So Proud of You!! I don't like violence either, but sometimes you have to stand up for what's right! Love your videos! Thanks for sharing!
Thanks for sharing the financial tips Cass! And also thank you for your story at the end, way to stand up for yourself and others, great lesson for all of us! Don't let the bullies win!! 💪❤❤
Great tips! I’m all about saving $$! I’ve used the cold setting in the wash for YEARS! I’ve also recently cut the grocery bill by taking an extra $5-10 to stock a weekly item. This way I can shop from my home pantry more often! I’ll buy things like salt/pepper, cooking oil, toiletries, etc. that I’ll use later to keep from buying so often. I’m also learning to make my own products (cleaning, health & beauty, etc.).
I needed these tips, thank you! The only thing I would add is, if you’re able to, don’t sacrifice health to save money. There are healthy options, which are just as delicious, and in some cases affordable. It will save you money on drugs, treatments devices, etc
We set a grocery budget and I track it passionately. We don’t do meatless Monday because we realized when we prioritize nutritious meat protein over sweets, we actually eat less. We also stopped buying bread and most processed foods which saves us a surprising amount of money. While we do still use paper towels on occasion (mostly for draining bacon and that sort of thing), we switched to Swedish dish cloths and microfiber for cleaning and wiping up messes.
I also attend UA-cam University!! I wish I could fix my car that way but I don't have the tools to do it. Good for you for standing up to the bullies at the concert!
Some of the auto parts places will lend you the tools. After two years of asking 3 different mechanics to change out my power steering fluid, I found different videos on my specific vehicle & after reading comments, I did it myself without much effort, & it made a world of difference. Saved me from having to replace the pump, which would have ran around $1,700. From the comments: if you place a piece of heavy cardboard between the ground & each front tire, you can turn the wheels freely, then you won’t need a jack.
Ou can actually rent small repair shops in some places or rent tools from places that sell them. Some areas also have repair cafés or repair meet-ups , definitely worth to ask around.
OMG youtube university is speaking my language. I can't count the things I've fixed myself thanks to youtube! And financial literacy is become another one of them. Thank you, Cas, listening to your story in your podcast a few months ago made me interested to go look into my finances and not only on my physical objects; you're a big role model to me right now 💜
Amazed at how listening to you and decluttering has made me STOP buying so much “ just in case food”. I shopped from my pantry and freezer for a month , only bought fresh fruit and veggies. Thank you for saving me money!
I loved this! Many of the things I already do, but what caught my attention was making the kids' snacks!!! With 3 kids all they want are snacks. Right now, I buy the snacks and ration them out. So once the general stash is out, it's out, until I restock it. This has helped a lot too!
Mom always says "The dryer eats clothes", looks at all the lint. We hang up 50% of the laundry, always wash cold unless someone is sick and we need to sanitize. But, thankfully that is maybe once a year. Take advantage of the sun and air outside to dry items. Also a big one is making all your trips count, go on errands on one day. Then everything is done. I try and also rotate all my groceries and use what needs used as soon as possible. I write on the cans the Best buy date when I am stocking the pantry & keep it rotated. We waste a lot by buying more when we already have it at home. Anyway I totally appreciate everything you're teaching. Thank you
This is basically the Dave Ramsey playbook , if anyone needs more help with this! *Edited to add: watching Dave Ramsey on UA-cam is absolutely free . They have a whole UA-cam network of amazing people talking about a debt free lifestyle and a radio show on UA-cam every week day for 3 hours of live calls and answers to everyone’s questions.
@@MaryWolf-7066 Dave Ramsey is absolutely free. You can watch their daily show Monday- Friday for 3 hours a day of live calls and advice. They also have “smart money happy hour” , “the Rachel Cruze show” and more for free on UA-cam that are all Dave Ramsey personalities talking about how to live a debt free life.
@@cajbaf Yes, I agree, and occasionally watch one of his. There was no intent on my part to slam Ramsey. Cass has taken the basic principals and put them on one simple, easy to watch video. It's a magnificent place for someone who is struggling to start and be motivated to do so in a very short time.
Omg, I love how you stood up for yourself and others, just amazing! Sometimes we need to do the hard uncomfortable thing, because it’s the right thing.
Your story is so inspiring! I've been following a lot of these tips for a few months but I'm not sure how much it's actually saved me, I'll have to go back and look at old bills! Hopefully it's a pleasant surprise!
First of all, I absolutely love your pit police story! Kudos to you for standing up for what’s right and getting out of your comfort zone! Second, another wildly valuable thing you can find at UA-cam university is thousands of videos of people with very modest incomes who have managed to create a very comfortable life! The information is out there!
Your advice is spot-on!!! I’ve done what you’ve done and am comfortably retired now. The no-spend challenge starts out tough (you surprise yourself with how much you spend w/o thinking), but then it turns fun!!! It’s also contagious. My co-workers joined in when I wouldn’t go out for lunch with them every day!! Also, it feels GREAT to have credit card companies pay YOU with reward $$$. Hang in there!!
Wow! Thanks for sharing this very personal insight about your past. I am even more impressed with you than I already was. I HATE hiring someone to do something when I can do it myself and save money. I'm so tight with my money that I squeak when I walk.
I just discovered today that you are *supposed* to wash normal (cotton) terry cloth towels on cold (or at most warm). Makes sense, since heat shrinks the cotton of a towel just as much as that of a pair of blue jeans, but I'd always thought I was supposed to wash them on hot. So, you can save on washing *and* on buying new towels by washing them on cold!
If you have an oily-skinned person in your household, cold water will not cut the body oils on towels. The oils will turn rancid and your towels will eventually smell stale. Quality cotton towels are made with preshrunk fabric, and will not shrink in hot water.
The fact that you stood up makes you a hero, & you empowered the people around you to stand up & be heroes, too. Doing the right thing takes a lot of courage, & it has a ripple effect for the positive, even when we don't see it for ourselves this side of Heaven. Way to be brave in a huge way.
We grew up poor too, I learned my toughest lesson from a Bank of America credit card. They're ruthless and don't care about you. The lowered my credit limit below what my balance was causing me to over the limit. I debated with them until I quit paying. They finally decided to settle with me. Sure I only owed $274 vs $1400 since they settled. It ruined my credit for years. Couldn't even buy a house. I had to have them write a letter stating it was paid in full, which later really helped me buy a house. I have since then eliminated credit cards and if I can't afford it, I don't need it!! It's just things and clutter. We can't take it with us when we pass away. Thank you for your always informative videos!!
Gotta tell you sweetie, you're an inspiration to me! I love your honesty and kindness, and your spunk! Thank you, thank you, thank you! for being you and for sharing all your life changing tips! I've incorporated your "I deserve a beautiful kitchen" lesson and it's transformed "our" lives! From my heart to yours, Kay
So happy that you stood up for yourself & all of those who had waited forever! This was a great vlog! I had no discipline regarding $$$, in my younger days,but thank God i came to my senses later in life & am now enjoying retirement!
Hi cass !! Your storietimesarethe best ever 😊 . Thank you for the money advice . I love the shop on Sunday &gas up the car the best . Yes it’s gonna suck but we can do it ❤🙏🏼👍🏼
It sucks, but it's easier than I thought. My "all or nothing" brain can do these types of challenges better than trying to have self-discipline 24/7. I am NOT good with self-discipline.
Well done on standing up to bullies! You also set an example to others about doing what is right, what manners are, and the power of starting with just one person. Go you! 🌟
Haaaa. I know what u mean. Good 4u. Sometimes we just gotta speak up. People like that truly need to be put in their place. Nothing was stopping u. Lol. Hope u enjoyed the concert. 🎉
I love this video! I became a single mom at 27 and broke. I was able to go to college, which brought me a lot of debt. I lived the life you are advising and I saved for years. I just retired at 61 and can do all the things I enjoy. I also still buy my clothes at thrift stores and not because I have to but because I enjoy saving money. My sons also have learned to be good savers and can cook wonderful meals for themselves. Financial freedom is a wonderful thing.
Yes 👏 👏 👏 I love thrifting and buying secondhand. Not just to save money, but because I love to think I get to love something someone else has cherished and things that have a story ♥️
The fact that nobody talks about the book The Cosmic Wealth Frequencies on Borlest speaks volumes about how people are stuck in a trance."
Another positive reason to shop second hand is it is SO good for the environment!
I’m unfortunately not into second hand clothing. I’ve reduced the amount of clothes I buy.
Exactly. Second hand since 2009, for everything.
I'm so proud of you for taking a stand for the kids!!!! Yay,
PIT POLICE!!!!
This is why I hate the Pit... I only go to concert where there is no Pit. Billy Idol docet
You know, Cas, people don’t talk about reusing towels or wearing clothes more than once or washing on cold.
All great points! And money savers.
Kudos to you for taking a stand. Very brave.
I wear clothes a few times before washing but not my towels because I’ve had a couple of staph infections and can’t do that.
You are definitely not supposed to reuse towels because they harbor bacteria. Especially if you dry your face in the spot you wiped your butt the time before.
Hey have a separate hand towels for the butt and replace as often as you wish.
Reuse the body towels. Just make sure your towel is on the thin side and dries quickly. If you live in warm weather hang outside to dry. It will smell wonderfully clean.
Last month I did a 30 day challenge where I bought no groceries & just lived off my overstocked pantry. Never missed going to grocery store. I hate going to the grocery store. I'm so proud of you for standing up for yourself. I hate confrontation also.
Thats a great idea! I'm going to try it for May. Thanks for the idea.
Love that idea. I’m working on emptying and using the food in the freezer .
I wish I had a big enough freezer to stock on food for a no buy challenge.
What about fresh produce? Fruit? Veg? Milk? Cheese?
A goal I have - other than intentional produce purchase...
We wear jeans 3 times, use towels for 3 days, pajamas 3 days! Thank you for bringing it up because it blows my mind how often people wash things that don’t “need” to be. I do change out hand towels and washcloths daily
Seriously so true! Plus the more you wash the faster you have to replace things.
Same!!!
I agree! If it doesn't smell and it doesn't look dirty, definitely don't wash it! It wastes water, time, energy (electricity and your own energy), AND can wear out your clothes faster!
SAME !
My mom always said your hair is clean and your body when drying, why is the towel dirty? She had a point, I let them go a few days unless obviously dirty
You are amazing. I’m 63 years old, but learn from you with every video you put out. You inspire. Never forget that and please never stop❤
Glad I can help!
Yes ! I am 64 & I learn from Cas ! (and Dawn, Dana, Kallie, FrugalFitMom & more !)
Same! I’m 60!
Same at 62 here😂
64, same!
Oh and I meant to congratulate you on the skills learned from utube! I’ve fixed my water main and redone the pipes from the water heater to the kitchen (about 40’) under my mobile.
And thank you for being pit police, well done!
I love these stories. "NO" is a loving word. You and Joe had goals and you held each other accountable! You are an awesome team. All the best to your family.
There needs to be pit security at concerts. Bullies know most people hate confrontation and will get away with it. I think it’s great that you and other parents stood up to the bullying!!!
I read your comment before I got to the story and I thought you meant pit bulls, I didn't even question if that would be a bad idea lol 😂
YES ! Why is there security for this ?
I’ve never heard of waiting in line for general admission or pit. Usually you just go in and it’s a free for all. If you want the front you have to work for it. This sounds like more of a kids show though, with seats? Different. Hopefully it was fun anyway!!
Oh! YOU GO GIRL!!!! I am SO proud of you, for standing up to the Mean People who think they can just push their way through life!!! I am like you and seem to always want to be "nice"....... But YOU!! YOU DID THIS!!! YAY!!! Thank you for all your great videos and ideas on so many good and do-able things in life!!
I don't know if you will see this comment, Cas, but I hope you do. I've been listening to you for a couple years now, and I never knew that you were homeless as a teen. Can I just say I admire you like crazy pants?? Think of the turnaround in your life - from not having a home, to helping so many people like me make their homes beautiful. You are such a gift to this world and I'm so glad you never gave up. Thank you for pursuing your passion, and helping to make beautiful homes for thousands of families. ❤️
It occurs to me how many of us have to re-parent ourselves as we get older and teach ourselves how to live life better. I’m going through this right now with cleaning (hello to your channel!), food, and relationships. And money too lol. It never ends! I love that people like you help out the rest of us when you’ve figured out part of the journey.
Right ?? Well said !
I love this because I’m in a similar stage. Money, food, cleaning, everything. All of it I need to fix my thought process on
Hi, I just found your channel. You have great tips on being frugal. I know what you mean about getting angry when it comes to seeing your bank statement each month and seeing how much interest you are paying. I think, this was my turning point to becoming frugal! Also love your story about sticking up against the bullies at the concert. You go girl!
"That's not nice!" is the most Canadian thing ever.
Totally! ❤
Came to say the same thing
Canadian for "WTF Get in your place". They were lucky there weren't cobra chickens available.
@@katecubed Too true!
Ikr😅
I am so HAPPY to hear you say it is ok to defend yourself against bullies. Great to hear that other moms joined you! We live in a world in which it has become necessary to be brave, and what a great lesson to teach your kids too! Because let's face it, bullies don't stop unless they are taught there are consequences for being mean!!
I just hope the biggest bully of all won't become US president again.
He is getting away with everything and he will bully the whole planet again.
You are my heroine Cass, standing up for what is fair, and defending people who stand in line, and doing it with civility. This is the most Canadian thing I have heard today. YOU RULE.
Agreed!!! ❤❤❤
Thanks for standing up for you and all the people around you!
I always went thrift shopping and never went on lavish vacations. I now have my house payed off and own a cottage im blessed
Good for you for standing up to bullies! Glad it worked out and you had fun!
High Five; you deserve it for doing what was right. Way to go Cass and other Mom’s standing up to the bullies!
Thanks!
I'm so happy for you girl, having money in the bank is a game changer! I only spend money on Fridays, it also makes me think about my purchases and most of the time I decide I don't actually want whatever it was.
Does that include groceries, or just things like amazon purchases that you save in your cart for later?
@ohcaptainmycaptain4829 Groceries, gas and pretty much everything else. I do Fridays because it's payday. I do all of my errands on Fridays. It does take a little planning and getting used to 🤣
Ooh, I LOVE this idea!
I love predetermined decisions!
Wow, this is the interesting concept. I just retired. I think I’m going to have to give this a try.
That’s a great idea!
Trust this advice everyone!
15 years ago I was broke, in debt and still spending beyond my means. A viscous and never ending cycle.
One day I said to myself, “Enough!”
Started with saving $50 a month by treating that $50 as an expense. I started eating from the freezer and pantry (except for fresh produce and cream for my coffee).
Speaking of coffee, I started making my own at home.
Organized and used up any and all gift cards for essentials or a treat every so often.
Switched car insurance and chopped $400 off my annual policy.
Called my cell phone company and they cut my bill in half!!!
Cancelled any and all subscriptions.
Moved from my expensive apartment in the city to a very nice, large and bright studio in a suburb.
I am now debt free and saving so much more than that original $50 a month.
Do what she says - switch your mindset.
It doesn’t happen overnight and takes a lot of planning and sacrifice, but you’ll get there and be so happy you did.
GREAT end story, Cas. Good for you, girl. Proud of you.
Roughly $120K in my portfolio are in tech/TSLA stocks, can I get an advice on any other stocks that I can acquire to diversify my reserve across multiple markets while creating a comprehensive portfolio allocation that balances my concerns of risk aversion and returns that meet yearly inflation...
the strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
True. Having the right financial planner is invaluable. My portfolio is well-matched for every season of the market and recently hit 90% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, though this could take till Q3 2024.
Is there any chance you could recommend who you work with? I've wanted to make this switch for a very long time n0w, but I've been very hesitant about. I'll appreciate any recommendation.
My CFA Julianne Iwersen-Niemann a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market...
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
We wash everything in cold and have had no issues. We also only dry towels and sheets in the dryer, everything else, yup, undies, socks etc are all hung to dry.
Great video! 🌟🌟
Thank you for these tips, Cas. I just saved them in a money savings document. I'm going to implement these! Here are my notes:
Extra tips
1. Save 10% of your paycheck
2. Save your bonus money
3. Put money into a high interest savings account
4. Buy bigger purchases second hand
10 tips
1. 7 day no spend challenge
2. Meal Plan each week - Look at your food budget
3. Eat from your freezer
4. Meatless Mondays
5. Make snacks at home
6. Evaluate subscriptions
7. Negotiate service plans
8. Wash your clothes on cold
9. Wash your clothes less often
10. Do it yourself (UA-cam university)
I’m proud of you for standing up to the mosh pit bullies! I have a tip for sending the wrong food back. Just say “ this looks really good. I bet the person who ordered it will be upset they didn’t get it.”
Dear Clutterbug, I've been working in restaurants as a server for most of my life. It's perfectly ok to let them know that they gave you the wrong food!!! In fact you're helping! Just to let you know! You're wonderful and I enjoy your content!
Good job Cas it's perfectly OK to stand up for yourself.
LOL. “I bought meat then put it in the freezer to die!” TRUTH TRUTH TRUTH! Great tips! Thank you
I’m only partially through the video, but yes! When we paid off all non-mortgage dept it was amazing freedom. Then we built our savings up (a lot) and the freedom compounded. Then we paid cash for a car for the first time (completely chances that experience) and even more freedom. Last year we were able to put an additional $30k towards our mortgage. All this while I’m fighting cancer for the 3rd time. I cannot imagine carrying that additional stress during an already stressful time. Thankfully we prioritized our finances before I got sick.
Lifting you up in prayer 🙏 The Great Physician is at work!
May your cancer permanently go into remission.
I love to use what I have around the house. In the last few weeks I’ve made a bedside cart, a firewood shelter out of old wood and even parts of an old aviary and stuff from my craft room. I made a spray painting station out of a large cardboard box and a curtain rod. It’s fun to use stuff that you wouldn’t normally use to make new things.
❤ I've been making stuff out of cardboard . I started doing a lot of online shopping for essential things to keep me from impulse buying at the store , hated throwing away the boxes. So now I make useful drawer organizers, storage totes, picture frames, I just finished a cat condo😆 they love it.
Thanks for the reminder about putting 10% of your income into savings. I stopped doing that when extra money was needed for a huge repair. Need to start doing that again. Also, it took a hard lesson of huge credit card debt long ago to vow never to use credit cards again. High five for standing up to the concert bullies!
If you have your pay automatically deposited I would recommend setting up a second account for a preset amount to be deducted at the same time. It's great because I only really look at my chequing account so it doesn't really hurt so bad. Then when I go to the other account it like a huge surprise how quickly it accumulates when you don't have to manually transfer funds.
@@theagta Ah, that's a good method. Thanks!
Cass - you are my guru. I am discovering that I have ADHD so I’ve struggled for most of my 55 years. When you explain how to do something it helps me. Thank you. ❤❤❤
Thanks for the tips and for reminding me why I never want to attend events with large crowds of strangers. That’s an easy category for me to save money on! 🎉😂
Yes!!
BOTH partners have to be on the same page with money. It doesn’t work otherwise. We’ve been saving consistently since our 20s. Now, in our 50s, hubs is semi retired (so he can be a UA-camr! 😁) and it’s just me working but we have more than enough in savings and no debt that we are totally ok and I will still be able to retire at 60.
And PLEASE do yourself a favor. You had a vid recently that talked about cleaning your dryer lint trap. I had always removed the visible lint after each load but I did not realize how much buildup was on the screen. It was taking FOREVER to dry a load of laundry! I saw your vid and said what the heck, I’m gonna run that bigger through the dishwasher. It totally worked - and I feel safer knowing it’s less of a risk now. Thanks!!
Wish I had a good partner to help and be on the same page as me 😢 I get so tired of being single and having to be by myself.
Yeah I went and washed mine immediately.
Check the outside where it vents to the outdoors. I was just house sitting & the cage around it, that keeps creepy crawlers out, was compacted with 4” of hard dry lint. So now I need to clean out the entire hose. If it was mine, I’d replace it with a new one.
@@tabithatierney6512Being on your own means you get to decide which page you're on. Partners can complicate things.
@@lynnettemurphy8243 this is very true! I’ll have to remind myself of this!
Proud of you for fighting the good fight! You demonstrated an important lesson for your daughter! "That's not nice! " is a great fight rant!!😂
Thank you. I think having to struggle for years creates a lifelong mindset about how I view my money. I see it as money to save. With a mindset of saving money even when I didn’t have it to save, I am a lot more stable now than I would have been if I’d budgeted my money to spend down vs saving up.
I paid off $13,000 over the course of six months. I stopped going to places where I was tempted to overspend (Target, Marshalls, Home Goods), limited myself to twice a month when it came to going out for dinner - including fast food - or drinks with friends, did my best to stick to a grocery list, and have bought very little in the way of clothing. I started on a path to minimizing my current inventory, which involved a strict ‘one in/one out’ policy. It completely changed my relationship with shopping from ‘do I want it’ or ‘do I need it’. The money I saved to assist in crawling out of debt was unbelievable.
Great tips you shared today. I have been doing no spend for 3 weeks and only purchased dairy goods as needed. It’s amazing how we don’t realize how much we actually have in food and need to use up. I only wash in laundry in cold water, I never used a dishwasher although we’ve had one for many years. I use it as my drying rack. I wear pajamas numerous times and jeans as well because I work from home. No need to waste the money foolishly. I am completely out of debt and use my credit card but pay it off at the end of the month. Today was the first day I actually purchased for me. I bought 6 summer tops for the Florida heat. I will continue the no spend challenge as my husband is loving it and we only buy necessities or when an item is needed. I wish more people would at least trying it and maybe because you gave great tips more will be trying it out. Definitely a game changer without sacrifice.
😂I had the exact same situation when my daughter was little but we were in line for a t-shirt at an NSync concert! A mom pushed my 10 year old out of the way and tried to cut in front of her. I stood my ground and to this day it is one of the memories my daughter talks about and says “don’t mess with my mom!”
Yeaaaaaahhhhh! You go girl! Good you stood up for yourself and the “front rowers’” ♥️👏♥️👏♥️👏!!!
Agree with all your tips! After decades, I'm a bit shocked at how much we saved. Retirement will be just fine. And yes, we must stand up for ourselves!
Brilliant advice given from real life experience- you just can’t beat that!
Thanks, for the saving money tips. Also, YOU GO GIRL!! I'm So Proud of You!! I don't like violence either, but sometimes you have to stand up for what's right! Love your videos! Thanks for sharing!
Thanks for sharing the financial tips Cass! And also thank you for your story at the end, way to stand up for yourself and others, great lesson for all of us! Don't let the bullies win!! 💪❤❤
Great tips! I’m all about saving $$! I’ve used the cold setting in the wash for YEARS! I’ve also recently cut the grocery bill by taking an extra $5-10 to stock a weekly item. This way I can shop from my home pantry more often! I’ll buy things like salt/pepper, cooking oil, toiletries, etc. that I’ll use later to keep from buying so often. I’m also learning to make my own products (cleaning, health & beauty, etc.).
You forgot to add get organized lol being organized saves tons of money!
I needed these tips, thank you! The only thing I would add is, if you’re able to, don’t sacrifice health to save money. There are healthy options, which are just as delicious, and in some cases affordable. It will save you money on drugs, treatments devices, etc
This couldn't have come at a better time for me. Thank you so much!!
So proud of you for standing up for what is right!!
Buying second hand is also wonderful for our environment ✌️
Great suggestions, thanks!
Use the cue! Get in line! Showing your children the right way to be is better way to be. Also a positive way to stand up for yourself!!
My favorite part of the video was the end! Way to stand up for what was right! We need more people in this world who will do that. 😊
We set a grocery budget and I track it passionately. We don’t do meatless Monday because we realized when we prioritize nutritious meat protein over sweets, we actually eat less. We also stopped buying bread and most processed foods which saves us a surprising amount of money. While we do still use paper towels on occasion (mostly for draining bacon and that sort of thing), we switched to Swedish dish cloths and microfiber for cleaning and wiping up messes.
@hollistandridge1117
Yes, eating protein, not carbohydrates, really does save money; you feel full for longer, no need for snacks or sweets.
🇬🇧
I also attend UA-cam University!! I wish I could fix my car that way but I don't have the tools to do it. Good for you for standing up to the bullies at the concert!
Some of the auto parts places will lend you the tools.
After two years of asking 3 different mechanics to change out my power steering fluid, I found different videos on my specific vehicle & after reading comments, I did it myself without much effort, & it made a world of difference. Saved me from having to replace the pump, which would have ran around $1,700.
From the comments: if you place a piece of heavy cardboard between the ground & each front tire, you can turn the wheels freely, then you won’t need a jack.
@@sunshine3914 Thank you
Find a traveling car repair person.
I bought headlight bulb and fixed my headlight in the parking lot. I didn't need any tools. Ego booster too.
Ou can actually rent small repair shops in some places or rent tools from places that sell them. Some areas also have repair cafés or repair meet-ups , definitely worth to ask around.
Your husband sounds like mine. It was my plan how to get the house but his discipline got us here.
Not spending money for a week !?That is a great advice ! I can do that 😊😊😊
Way to GO Cass... I'm proud of you being the Pitt Police!!
Thanks!
Great for you for standing up for yourself and the younger people.
OMG youtube university is speaking my language. I can't count the things I've fixed myself thanks to youtube! And financial literacy is become another one of them. Thank you, Cas, listening to your story in your podcast a few months ago made me interested to go look into my finances and not only on my physical objects; you're a big role model to me right now 💜
You're welcome!
I'm so proud of you for standing up for everyone!!!! Good job 👏 👍 👌
Amazed at how listening to you and decluttering has made me STOP buying so much “ just in case food”. I shopped from my pantry and freezer for a month , only bought fresh fruit and veggies. Thank you for saving me money!
I loved this! Many of the things I already do, but what caught my attention was making the kids' snacks!!! With 3 kids all they want are snacks. Right now, I buy the snacks and ration them out. So once the general stash is out, it's out, until I restock it. This has helped a lot too!
Mom always says "The dryer eats clothes", looks at all the lint. We hang up 50% of the laundry, always wash cold unless someone is sick and we need to sanitize. But, thankfully that is maybe once a year. Take advantage of the sun and air outside to dry items. Also a big one is making all your trips count, go on errands on one day. Then everything is done. I try and also rotate all my groceries and use what needs used as soon as possible. I write on the cans the Best buy date when I am stocking the pantry & keep it rotated. We waste a lot by buying more when we already have it at home. Anyway I totally appreciate everything you're teaching. Thank you
This is basically the Dave Ramsey playbook , if anyone needs more help with this!
*Edited to add: watching Dave Ramsey on UA-cam is absolutely free . They have a whole UA-cam network of amazing people talking about a debt free lifestyle and a radio show on UA-cam every week day for 3 hours of live calls and answers to everyone’s questions.
The first 10% for Christians is a tithe to the local church congregation and Dave says then 15% to your retirement. It’s worked for us for years.
Agreed, but Dave Ramsey isn't free. When you are broke, you can't afford to pay money to hear common sense.
@@MaryWolf-7066 Dave Ramsey is absolutely free. You can watch their daily show Monday- Friday for 3 hours a day of live calls and advice. They also have “smart money happy hour” , “the Rachel Cruze show” and more for free on UA-cam that are all Dave Ramsey personalities talking about how to live a debt free life.
@@MaryWolf-7066 There are a multitude of videos with Dave Ramsey that are FREE.
@@cajbaf Yes, I agree, and occasionally watch one of his. There was no intent on my part to slam Ramsey. Cass has taken the basic principals and put them on one simple, easy to watch video. It's a magnificent place for someone who is struggling to start and be motivated to do so in a very short time.
I love everything you said Cass! My husband and I are living in financial freedom and loving it. When someone has a need, we can help!
WOW you are a fabulous roll model for your children and every single sub. Thank you for sharing✌️💜✌️
Omg, I love how you stood up for yourself and others, just amazing! Sometimes we need to do the hard uncomfortable thing, because it’s the right thing.
Thanks for reminding me to wash my towels. I change out our towels every Tuesday and Friday. Seems to work really well for us.
Awesome!
Your story is so inspiring!
I've been following a lot of these tips for a few months but I'm not sure how much it's actually saved me, I'll have to go back and look at old bills! Hopefully it's a pleasant surprise!
I'm glad you think so!
Good for you!!!! People should be better
Her attitude toward bankers is admirable.
So proud of you! Standing up for yourself and others is what the world needs. 🎉❤🎉
First of all, I absolutely love your pit police story! Kudos to you for standing up for what’s right and getting out of your comfort zone!
Second, another wildly valuable thing you can find at UA-cam university is thousands of videos of people with very modest incomes who have managed to create a very comfortable life! The information is out there!
Love your end story! Good for you for standing up for what is right, bullies need to be stopped!!❤🎉
For sure!
Your advice is spot-on!!!
I’ve done what you’ve done and am comfortably retired now.
The no-spend challenge starts out tough (you surprise yourself with how much you spend
w/o thinking), but then it turns fun!!! It’s also contagious. My co-workers joined in when I wouldn’t go out for lunch with them every day!!
Also, it feels GREAT to have credit card companies pay YOU with reward $$$.
Hang in there!!
Good for you Cas! I also fall in the non-confrontational group but there are limits. Thank you! 😊
Not touching that money turns into safety! It took me a long time to learn this, but so glad my husband said, no!
You are so inspiring. Thank you very much for sharing your experience and insights.
Wow! Thanks for sharing this very personal insight about your past. I am even more impressed with you than I already was.
I HATE hiring someone to do something when I can do it myself and save money. I'm so tight with my money that I squeak when I walk.
Thanks for sharing!
I just discovered today that you are *supposed* to wash normal (cotton) terry cloth towels on cold (or at most warm). Makes sense, since heat shrinks the cotton of a towel just as much as that of a pair of blue jeans, but I'd always thought I was supposed to wash them on hot. So, you can save on washing *and* on buying new towels by washing them on cold!
If you have an oily-skinned person in your household, cold water will not cut the body oils on towels. The oils will turn rancid and your towels will eventually smell stale. Quality cotton towels are made with preshrunk fabric, and will not shrink in hot water.
The fact that you stood up makes you a hero, & you empowered the people around you to stand up & be heroes, too. Doing the right thing takes a lot of courage, & it has a ripple effect for the positive, even when we don't see it for ourselves this side of Heaven. Way to be brave in a huge way.
We grew up poor too, I learned my toughest lesson from a Bank of America credit card. They're ruthless and don't care about you. The lowered my credit limit below what my balance was causing me to over the limit. I debated with them until I quit paying. They finally decided to settle with me. Sure I only owed $274 vs $1400 since they settled. It ruined my credit for years. Couldn't even buy a house. I had to have them write a letter stating it was paid in full, which later really helped me buy a house. I have since then eliminated credit cards and if I can't afford it, I don't need it!! It's just things and clutter. We can't take it with us when we pass away. Thank you for your always informative videos!!
Gotta tell you sweetie, you're an inspiration to me! I love your honesty and kindness, and your spunk! Thank you, thank you, thank you! for being you and for sharing all your life changing tips! I've incorporated your "I deserve a beautiful kitchen" lesson and it's transformed "our" lives! From my heart to yours, Kay
You are so welcome!
Wow! I love hearing your talk about money. More please 😊
Love you Cas. You should be an actress! So much charisma!🩷 God bless you and your loved ones!
High fiving you all the way from San Diego!! 🙏👏🏽🙌🏽🤜🏽🤛🏽 good job Mamabear!
I LOVE that you stood up for yourself & others. So proud of you. Go Mama Bear! You set a great example for your daughter. 🙂💪
Thank you so much!!
😂 the end. This is why I pay for a seat, cuz hunny no. I ❤ you man. These tips are solid and I needed them.
So happy that you stood up for yourself & all of those who had waited forever! This was a great vlog! I had no discipline regarding $$$, in my younger days,but thank God i came to my senses later in life & am now enjoying retirement!
Hi cass !! Your storietimesarethe best ever 😊 . Thank you for the money advice . I love the shop on Sunday &gas up the car the best . Yes it’s gonna suck but we can do it ❤🙏🏼👍🏼
It sucks, but it's easier than I thought. My "all or nothing" brain can do these types of challenges better than trying to have self-discipline 24/7. I am NOT good with self-discipline.
Oooooh, CAS ! Yay ! You ROCK ! Thx for gettin outta yer comfort zone & standing up for those kids ! Love, Liz
🎉Happy Tuesday 🎉 Thank you very much for the advice. Best regards from Costa Rica 🇨🇷
Well done on standing up to bullies! You also set an example to others about doing what is right, what manners are, and the power of starting with just one person. Go you! 🌟
I used to have a car payment of. $130 a month. My car’s paid off but I put that $130 into my savings account each month for my next car.
That's where I am now. So thank you for relating. To everyone else that's broke.
You're welcome!
Haaaa. I know what u mean. Good 4u. Sometimes we just gotta speak up. People like that truly need to be put in their place. Nothing was stopping u. Lol. Hope u enjoyed the concert. 🎉
I love this video! I became a single mom at 27 and broke. I was able to go to college, which brought me a lot of debt. I lived the life you are advising and I saved for years. I just retired at 61 and can do all the things I enjoy. I also still buy my clothes at thrift stores and not because I have to but because I enjoy saving money. My sons also have learned to be good savers and can cook wonderful meals for themselves. Financial freedom is a wonderful thing.
You are awesome! Get rid of the bullies! 17:52
Lol, thanks!
Yes bravo👏👏👏
Yes 👏 👏 👏 I love thrifting and buying secondhand. Not just to save money, but because I love to think I get to love something someone else has cherished and things that have a story ♥️
All teens should listen to this video.
Thought would be awesome!