Why Everyone Should Be EXTREMELY Frugal
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- Опубліковано 27 вер 2024
- Superpowers you get from being frugal!
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I believe that everyone in this world should be frugal because frugality allows you to have more control over your life. It almost gives you superpowers in your life that non frugal people do not have. In this video, I share, "5 Superpowers You Get From Being Frugal."
1. The ability to make work suck a little less
The truth is, most people in this world do not enjoy working. Most people dread going to their jobs and hate their jobs to an extreme, but have to continue doing it because they need money. Many people are living paycheck to paycheck and since they are desperate for money, they are unable to tell their boss or employer the most powerful words in the world, "No."
When you live below your means, have no debt, and take control over your finances you gain the ability to tell people "no." And when you know that you are able to say that, it makes work a bit more enjoyable because you understand that you have options.
2. The ability to have peace of mind
Most Americans are living on the edge being in a financial situation that could collapse at any moment. Although people might have nice possessions, their possessions are holding them back and so not provide them with peace of mind. When you are frugal, although you might not have a bunch of nice material possessions, you do have peace of mind. And when you have peace of mind, can any material possession beat that?
3. The ability to see past the absurdity of trends
So many people spend their money based on trends. Many people just follow the masses and spend their money on trend after trend. Many people are unable to see the consumerist tricks put on by corporations to get people to buy things that they are like the image of a donkey chasing a carrot on a stick that they will never get.
Frugality isn't about not spending money, but it is about spending money intentionally. And spending money intentionally gives you the ability to see past the absurdity of trends.
4. The ability to look at yourself in the mirror
I believe that money is a "Necessary evil" because we need it in order for society to work. People need financial incentive in order to contribute to society; however, some people will do some terrible things for money due to desperation or greed. Being frugal is about living a life of "enough" where you are not constantly seeking more and are content with what you have. When you live that way, you are always able to look yourself in the mirror.
5. The ability to not take shit from as many people
In life, we have to take shit from a lot of people: bad bosses, credit card companies, and debt collectors to name a few. And we have to listen to them because we either owe them money or we need money from them. Being frugal is about living within your means and when you live within your means with no debt, low living expenses, and take control over your finances, then you do not owe anything to anyone. And when you don't owe anything to anyone, then there are only a handful of people left that you need to take shit from.
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What's another superpower you get from being frugal?
An appreciation of value. Whether it be the value of an item, money or your time...the list is endless.
I spend less time shopping. I know what I need. It's on the envelope I carry our cash in. I pick it up and then I'm done. I walk to the register, check it out, and then I'm done. It takes more time to unload it than to buy it. My BJ'S is small. We don't eat out more than 1x/month. The rest I make our favorite meals. We both like Arby's fish sandwiches. I bought a box of breaded haddock, a bag of rolls, lettuce, and tomatoes. I made tarter sauce with what I had on hand and we had 10 sandwiches for about $18.00. There best deal is $3.00/sandwich. Three days we ate them. Eating at home has become more fun. Essentially my superpower is spending less time and money for fun.
Saving becomes spending e.g. save and buy some stocks or ETF.
It really is good for the environment. I have 20 year old tee shirts, I wear my shoes till the hole nearly wears through. I wait on phone upgrades until it becomes near unusable. I'm not on product release cycles for upgrades.
Just with the phone example how much battery waste do I save compared to people upgrading yearly?
Mindfulness for sure. I strongly believe that mindfulness is the road to peace. Just take the concept of keeping up with the Joneses and burn it in the bonfire the next time you have one in your backyard, and enjoy your every single moment instead. The way that things are these days, mindfulness does sound like a superpower.
I have the freedom of time. 🙌🏻
NO debt, no Boss, no car payments, no worries, listen to Austin everyone, he is 100 percent correct. I retired at 62. If you need to buy something pay cash !
Me too!!
Same here! 59 and sustained a Tbi at 50 but had enough saved that I am ok financially. Cash is King! Don't follow treads, help society, be honest with yourself, be kind 😊
I am right with you Richard.
Absolutely, I retired at 60 and I also have no debt, no boss, no car payments, and I never made more than 40K a year.
@@SassySue67 nice ❤
I was so frugal I lived in what many would consider squalor, a small room for a year or so and with my cat too, so small I was right next to a litter box smelling poo and working. Ate high calorie cheap meals, wore old clothes, drove a paid off 17 year old car. And because of that I was able to save enough for a down payment and got my first house recently. Sometimes it takes some sacrifices to get to where you want to be.
Wow I'm very proud of you for getting where you need to be.sometimes I think a bit of sacrifice can really pay off you suffered a bit now you have your reward❤️🌈❤️🌈
Congratulations on your new house!
Fantastic, unless we are born rich, everything we want requires some sacrifice. Congratulations, you've been prepared to work through the sacrifices to obtain the reward of your own home, many people just won't do it, so they never receive the reward. We'll done!!
Lol I hope you’re able to eat some quality healthy food now bro. So your health stays strong as well as financial health.
I call bullshit. And even if you are telling the truth so what ? Was it worth it ?
Austin my Granfather came through the Great Depression and he always always said it's not how much you make its how much you don't spend and the older I get the more I have found it to be true you are an extremely smart and disciplined young man keep up the great 👍 work
Simple and true.
Agreed. A lot of people earn a lot of money but spend it all and have fewer savings than others with far smaller incomes.
@@Luncheon23 So true. Someone said even if a person has no money but has no debt their net worth it higher than a person that has money but also has a lot of debt.
So True! Smart man!
My parents went through the Depression. My dad was older. He warned me against debt. It was great advice.
"When You have Peace of Mind, can any material possession beat that?" You are wise beyond your years, Austin.
It's true!
Number 5 is excellent. I spent years being frugal and now those bad bosses of the past can take a hike. I don't need them and they don't want me. Good riddance to the nightmare of bad management.
It’s very true, my last job, I was told I can’t take the day off I need and the hours I am not available, so I told them this job is not my life and I don’t need it! I only work because I was bored at home and since then they know they can’t push me around! I am in minimalist and being frugal now, but even before I didn’t have to work my husband making way more than enough for me to stay at home. We don’t have debt our cars are paid for and save almost half of our income, we eat simple foods but healthy and don’t spend a much besides our necessities! Thank you for your inspirational UA-cam! More power to you!
Lucky for you that you have a husband to wipe your bum when you don’t feel like working. Unfortunately that is not a reality for most men.
There are some who genuinely enjoy working: retirees who find themselves bored/aimless and choose to go back to work, not because they have to, but want to
Frugal = more money = more options + more happiness from the lack of worries.
I just turned 40 and this year I got diagnosed with ADHD. I’ve always found it impossible to manage my money and have spent the past 20 years in debt and full of anxiety and resentment at having to work for as you say ‘bad bosses’ because my impulsive spending and inability to manage money has made me a slave to debt repayments. Now I realise I’ve been beating myself with a stick for 20 years instead of looking at it completely differently- the way you look at it. I now call my money Freedom Tokens. I think how many Freedom Tokens am I willing to give up for this thing (whatever it is) that I’m fixating on. I’m also finding better ways to manage the impulsivity and novelty-seeking that used to result in my spending.
I love your videos. They make me feel galvanised into action :)
Freedom Tokens, I love that and will be using that. Thanks!
Edit: Also, I'm approaching 40, ADHD, and on the same financial path as you, also thanks to Augustine. :)
@@zaprowsdower7664 You’re most welcome :) Wishing you the best on your journey fellow traveller !🙏🏼
That's fantastic that you have found a way to make it work. I have a friend with a similar issue and I know what a struggle it has been for him--numbers LITERALLY mean nothing to him, so it has made it a very difficult road. Love the Freedom Tokens idea!
I got diagnosed at 50 years old. We are so the same!! I think it is our ADHD!!! that does not help us.
Freedom tokens!!!!
The most upsetting thing is watching young people get deeper and deeper into debt and their excuse is, "I have to work anyway!" 😬 Love your new LIGHT background! 🤣
I had 3 totally different jobs in my 35 years of work life, and they all sucked. Working midnights, weekends, holidays, and for sucky managers. Narcissistic managers will zap your soul.
You are so right. I've always been frugal even as a kid. I've never regretted it. I've always had money for inevitable emergencies. My expenses are very low. No debt. My well maintained car is 13 years old and runs great. I buy beans and rice in bulk. I avoid restaurants. I cringe when I see these young folks spending 60K on a car.
Man 60k on a car is waaaay too much I’m not spending that on a car even after I retire I’m going to find me 3 cars that total up to about 25-30k. Cash payments.
Here is your twin...
I'm 56 and have been working part time for the last four years. My children are adults and moved out years ago. I've only got a very small mortgage left and choose to work two days a week. I don't like work and never have. If it wasn't for money I would never work, there's so many fun things to do!
Being frugal has helped me be in more control of my finances.
Can we love work? It’s a virtue to work. It’s part of being human.
Its also a virtue to be healthy and have time for your family and for yoyr soul. 20-30 years is enough for getting a lot of virtue from work... One may use his last decades of life for other virtues
I disagree.
How will you support yourself in retirement? It’s scary ….not having a pension, no investments or assets? How will you contribute to social security? Before you know it you are 60. Lived frugally all my life But inflation and the cost of goods and services are skyrocketing. Its depressing not to mention having no money or feelings of security in retirement is awful.
Holding myself accountable for my bad spending habits is tough, but I'm still doing it. I realized I was sick of being in debt and turning over hundreds of dollars each month for it. I want my time and freedom, and I'm willing to get my finances together now.
Benjamin Franklin said "a penny saved is a penny earned" - Austin, you are very wise for your "age"! God bless you and yours.
40 years old today and I am so sick of working for the man for the past 22 years!!! Love your videos!!
Very true, work is not fun! Let's remain frugal.
I do Augustine! Watching it while doing chores to serve my family, because I am free right now! No Boss and Useless Stuff owns me! Frugality is Freedom! GO! Augustine!!!
Hi Austin I wish you are my son. I'm as frugal as you are debt and mortgage free. My daughter is older than you but you are more mature seems to be in every aspect of life. She said enjoy life while you are young. I enjoy life when I see my bank account really fat . keep up your good work and don't get tired of reminding people the importance of frugality
You inspired me to cut down my grocery budget. Thanks Austin!
I use a variant of the 30-day list. If I want something that isn't an absolute survival purchase, it goes on my 30-day list. If it is above $50 it goes into my 60-day list and above $100 goes into the 90-day list. You'd be surprised at how many things gets dropped off the list. In addition it gives you time to figure a way to do it so you don't need the item or find something cheaper or free to take care of it. When shopping I only buy what's on my list. If I see something else I like, it gets added to the next trip's list ( most of these get dropped by the time I make the new list as well).
Cool!
I like your comment a lot. Just the fact you prioritized a list with different amount of spending to them. The only thing I do is cut down on buying video games. I wait for sales & only buy games I like when I research them on youtube. I save $1000 of dollars a year because of it.
#2.... YES. That old adage: "If you do what you love you'll never work a day in your life." is something we've all heard and I believe it is complete B.S. This is the kind of thing that teaches us that unless a 'passion' comes with a monetary reward, its not worth doing - which is just wrong on so many levels.
But sadly that’s what is being taught
1:20 I am brainwashed 100%. Thank you, for doing this videos, every video puts me back on the right track. I am going to work 7 years now and I had only a little money saved/invested. I found you in September and since then, I was able to save and invest more than last 3 years.
Wow! That's awesome!
You are still a young guy (forget the few strands of grey hair, it means nothing ) and yet you are so wise and knowledgeable (at least as far as budgeting is concerned ). I have just turned 60, but I am impressed by your prudence and precocious wisdom regarding the importance of frugality and the avoidance of debt. I wish I had someone like you as a mentor when I was younger. I advise anybody who is reading this to listen to Austin. If you do, you'll be on the right track. Godspeed, Austin.
I love to work. I’m a stay at home mom and miss working, but I know I’m doing important work here at home too. Able to be here because of frugality.
I absolutely love this super positive approach - frugality gives you superpowers. Frugal living *is* awesome!
I dunno man, I'm doing a job I've wanted to do since being a little kid. Not everyday is awesome, and some days are really friggin hard, but by and large most days are amazing and I'm fortunate to be where I am. So yes, it's entirely possible to like or even love "working."
Thank You for reminding us that we have these superpowers !!! I am now 60 year old and my wife and I have enjoyed a frugal life since 1980's...never worked more than 15-20 hours a week.
Thank you for your messages. I agree 100%. I've been frugal my whole life and it's paid off.
Okay last comment- it’s a lot harder to sell things to people who are genuinely happy with their lives. Nothing is more punk rock than creating a life you love! Stick it to the man, love the life you have!
I am a yoga teacher. I love to work!
But also love being frugal and being abble to chose my contracts and my free time! Thanks for the video
“Work ain’t that fun”…..great quote. I’m working towards being able to say “no”
Good luck! It's a great thing to say!
I absolutely agree with calling it superpowers!
We volunteered to help clear out protected land. There were invasive wine berries aka wild raspberries and wild roses choking out the trees we needed to cut back. At first it sucked because it was cold. After awhile I started to enjoy it. I felt badly for the struggling trees, and felt a need to help them. It became a goal to free more trees than anyone else.
love this guy day by day, he is absolutely right about living free of debt is equal a piece of mind!!
Iv been frugle for 20yrs now.and I'm paid ..very nice retirement stash.home paid for ..zero credit card debt..car. payed off. Ect. Ect.
Work is a blessing
I have worked for myself for 80% of my life and the greatest feeling is not dreading tomorrow because I have to go work for someone else. I love what I do so it’s a win 🏆 win 😀
I also love working for myself! Can decide when you want to work!
You work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K in crypto from just few months ago and now they are multimillionaires..
Unfortunately The majority of individuals seem unaware of and careless when it comes to investing, despite the fact that it should be the best thing a person can do for himself. My gains from stocks and cryptocurrencies are still having a significant impact on my fortune. So I have no inclination to rely entirely on my pay or to wait for the market to go up.
You don't have to be great to start investing, But you have to start investing to be great.
Assets that can make wealthy
Crypto
Stock
Real estate
Gold
When you invest in crypto you are buying days you don't need to work
Crypt0 is one of thr best investment
Austin, thank you for creating videos. I'm 32 and earn 6 figures annually. I own less stuffs than my peers. My belongings fits inside my paid off 2015 Honda Civic when I moved. People always ask me why I'm not living the life, but I know myself that more stuffs is more cluster and I just don't like being clustered with stuffs. Have a nice day!
Agustin all I can say about this video is... You are one million percent right. Like you've pointed out, so many of us can't say No to our employers because we need the money from our jobs. I used to be one of them 🙂
I was working on my budget book for February and watched your video while working. I always add monthly inspiring quotes then.... blam! *Spend intentionally! *Take control of my finances! *Have fewer wants! Thank you
great topic! i dont seek entertainment outside of the house as much and slowly but surely it has begun to make a difference in my finances at the end of the month
I bought myself a luxury new Hoover yesterday because the cheaper one I brought 12 years ago when I first moved out finally died…. I don’t replace things that aren’t broken!
I always buy a quality vacuum/hoover because they work better and keep dust contained. (I don't go for super expensive like Dyson) It is one of the few things I don't cheap out on.
the past year i’ve been able to see through the absurdity of trends, im so glad i’m on the right path and that i found your channel, keep it up with the amazing content
I could not agree with you more... once again. I've lived a life of frugality all my life, and just like you, I am - and always have been - debt-free, even though my income has always been laughable. FYI I lived my first two years in the US on such a small amount of money available to me that none of my American friends believe it actually happened, but I did it anyway. Right on or slightly under the poverty line! So what do I do? I only subscribe to the services that I use, I buy good quality food, but I eat reasonably and do not pig out, and I also keep a limit to my weekly or monthly spending. I try to eat and live healthily because bad food and lifestyle make you buy medicine while good food and lifestyle are your medicine. Let me also clarify: I'm far from perfect, so no angel here. I live with my vices just like we all do. What I also wanted to add on a related note, though, is that there should start a serious national conversation about the absurdity of the prices in this country. Healthcare is just one super prominent example, but I also wonder WHY we must pay at least $50 monthly for access to a cellphone service, WHY the internet is a luxury to so many people because it's expensive, WHY cars have also become a luxury, and WHY people are so sickeningly apathetic here when it comes to such fundamental truths. Is there a way to hire the Men in Black, who could show up and wipe all that craziness out of the minds of the active participants of the rat race in the US? Look at Finland or Denmark, for instance, where there's a ceiling that makes all people aware of the fact that they simply can't go nuts with their income because whatever they have access to is as high as the trip can take them, and that's it. And they simply enjoy their lives with so much more equality and peace of mind. Can this be done here as well?
Each video keeps me on track for my low spend year (needs not wants!). The money I used to count down the days for is now accruing rapidly, despite increasing living costs. Thank you x
Youre right about one thing. Working sucks! I dread going in every day, but unfortunately need this thing called money to survive in this world😢
thank you very much for your videos, all blessings for you
I have always even frugal and for the most part I agree with your message. But I think that work is important for many reasons, not just making money. I think we’re raising a generation where many young people don’t think they should have to work. But we would not have a functioning society if people did not work. At an extreme no one would eat. Ok I know that’s not going to happen. But I think every job is important and every worker contributes to society. Whether you are a doctor, engineer or a sanitation worker or truck driver the work is vitally important. No one should have to put up with an abusive boss. But there is value in hard work beyond the paycheck.
I agree with Mare P.
Think about the TV show Survivor. Those who didn't contribute to the tribe (society) got the boot.
The problem is we made a way for people to not work because of welfare, subsidized housing, WIC, and charity programs. Women get rewarded for pumping out kids without being married. This created the whole baby daddy lifestyle.
I think the problem is twofold when it comes to wanting to work/vs seeing that the work you do makes no impact. When one can work full time and barely afford to live they don't see a point to continue. I'm not advocating for wealth transfer but I think if everyone had some incentive to work (decent place, food, basic transit) I think they would be opt to do it. I myself can enjoy work but I don't make it my whole life and think our capitalist system is a determent to our health. Production is important but not at the cost of the human factor. Our greatest production should be food, housing, healthcare, education and overall mental health; everything else is just a bonus and not necessary. Unfortunately we focus on the extras first and forget a vast majority of people don't even have the basics. If you participate in society (and don't commit crimes) you should have access to the most basic needs of life met without worrying.
Austin se refiere a la alienación que provocan muchos trabajos, a querer que el trabajador sea hiperproductivo.Eso es provocado por el capitalismo salvaje .Como sociedad hay que avanzar que la gente viva para comer y pagar la hipoteca ..y te encuentres a los 60 años enfermo y arruinado eso es un sinsentido . Austin es lo que cuestiona !!!! Esta pasando en casi todos los países. Un saludo desde España
I always look forward to your videos, Austin! You rock! May you earn one million dollars a year soon! You deserve every penny for changing all of our lives and for sharing your incredible energy! Thank you!!!
Va a ser el más rico del cementerio !!! 😂😂😂😂 .Todos queremos a Austin un monton !!!! es como un hermano 💕💕💕💕
You are a voice of reason in a crazy world👍🙂
I'm a bit older than you, so I have a different perspective, perhaps. Do I like "working"? Eh, maybe, maybe not. Do I love what I do and does what I do make a big difference in both the lives of the people that I work with and with society at large? Absolutely. I am neither trying to sell you or anyone else anything, and I'm not brainwashed. I truly go to work everyday knowing the work me and my team does is helping to solve the world's most difficult science problems and bring better health to people's lives. That's satisfying. I fully understand how privileged I am to have a job that gives me that satisfaction. Frugality is just icing on the cake.
I'm sorry, but I like doing my job and I am not brainwashed, and I am not selling anything lol
Other than that just wanted to say that you can be frugal and still live a balanced life. I know many people who went frugal for years and then regreted it. Aim for balance in my opinion!
I had a high paying job and it was unpleasant. It also had unethical bits. I have a low paying job now and its pleasant without ethical issues.
In today's world, your savings can disappear overnight. Venezuela is a good lesson.
1000% value lesson
This man speaks so much truth. I agree with you, word for word.
One great video after another!!
This was a great video and the way I look at spending is to spend with purpose. Only spend on necessary costs. If something needs to be repaired, get it fixed right one time instead of getting it fixed cheaply and then having to get it fixed multiple times.
Hi Austin, I really love your content. It reminds me of a saying I heard awhile back ‘there is great gain in godly devotion along with contentment.’ Many people search for wealth but in reality what we want is contentment meaning a state of happiness.. Please keep your videos flowing.😊
Thanks Augustin, glad to find ur channel been working 24-32 hours a week still feel drained. I was very inspired by u,I use to spend unintentially. Thanks for continued reminding us that it's possible.
Very good, Austin. I agree with everything you said. Peace of mind and not having to take shit from people - that's how I live my life and I love it. It's really cool listening to you and I love your sense of humor. Great job dude. You keep it up.
Great video!
Inspirational!
I love work because it keeps me busy. I can’t stand sitting at home doing nothing. I agree with some of this video but there’s another reason people work and it’s to keep you busy.
I like the aesthetic of the plant and few books on that shelf. Then I saw the guitar lamp. My duuuuuude 🎸 🔥
Great video Austin 👍🏴
I agree with all these points. Great insight and reminders.
50% debt forgiveness... buy only what you need, Great video sir!
Thanks for making another great video, Austin Williams - I very much enjoy the content and your presentation. I've been retired for a couple years and am 52 ... it feels great doing what I want when I want. Peace of mind and not taking crap from crappy bosses is pretty fantastic. Take care!
Wish I could go back in time and do things differently. Right now it feels like I’ll never get out of debt. I don’t want to file bankruptcy, but I don’t see another way out of this mess I’ve made. I have so much student loan and credit card debt.
I am sorry you are going through such a hard time! I have been there with both credit card debt and student loans.
Yes! Yes! Thank you!!!
I really love your channel. ❤ Always feel so happy watching your videos. 🙏🏻
Thanks!
You, my friend, are saving my life.
Hi Austin! I'm your vivid fan from Philippines... :D Looking forward you'll be creating your own podcast channel on spotify someday. Thank you for sharing your ideas and thoughts about money.
I’m watching this in my break and it really hit me hard. I don’t wanna work so bad but I’m stuck at the moment. 4 more years for me 😨😨
Don't know if this helps but after having 2 kids I realized I hate my wife and I'm on the hook for at least 16 years a piece which is a lot longer than 4 and maybe you don't even have kids 😆. So cheer up!
Austin, we need you. Please don't stop to keep us on track and away from all temptation and predators of corporates and society
Don't you worry. I'm too deep in this to quit.
Your videos are
So so helpful and real! Thank you Austin!!
Thanks!
Another excellent video! Keep on keeping on!! 😊
You are so funny, you have a problem with authority - I bet you were naughty at school. Haha! Love your channel.
What a great video! Well done ✅👍
“I get to decide what’s important to me.” “I don’t need the majority to tell me how to spend my money “ Amen to these words. When everyone around you in on their iPhone 14, but you are still using your iPhone 8 because it works just fine, and because money is hard to earn to be wasting it on such trivial things… thanks for this video ❤
The word “no” could be exchanged with the phrase “fuck off” quite frequently. Lol.
Hi. I’m self employed and wouldn’t have it any other way!! I save 60% of my money because I want to close my business down in 15 years, then work part because I want to keep busy not because I have to work and pay bills. It feels great not to worry about money since I have a good savings
Right on! It's awesome!
If everyone was frugal , wouldn't that trigger a recession & people would lose jobs
If people don't know why they should be frugal, they must have a money tree growing in their back yard.
You’re so right. Not trying to hear it after I just bought Beyoncé tickets! I’m gonna start being frugal right after the concert 🤞🏽🤞🏽🤞🏽
El agustino 😂makes my life better 🎉
I like your message.
i simply love this video austin.........
Thanks!!
I’m really enjoying your content. Thank you
Thank you super frugal Austin your the best
the ultimate superpower would be to build a business around consumers who buy expensive collectibles and high end products, which fuels a virtually polar opposite type of lifestyle so that you extract the maximum value
#5 is IT!!!
Having fewer wants, I would restate it as having the right wants to support your best life. What one person may think is a waste of money, another person may want this want.
For example, as I have become more and more intentional with money, I value food more. Once decision I have made is to only eat out once a month. This has saved me money so I can cook the food I want, trying out different recipes and techniques. I have had to look into buying a blender, and a better food processor. The dishes are delicious and I have even surprised myself. But, the money I save, I devote to better ingredients. There is a joy I get in cooking, now.
I do agree with your 5 superpowers, though. I do suffer from the Just One More Year Syndrome and decided to enter in a 12 step program for it.😁😁
Another totally awesome video Austin! You are an incredible money coach. Very inspirational indeed. Been a fan of Suze Orman for quite awhile but you are amazing . Keep up the great work.
Oh my friend ...I try to be cheap and not buy stuff and as a homeowner things always appear that I have to spend $ on and car another story too(no car note)so I'm good on "stuff" but it's the things I have no control over that gets me ! Also my housing takes a big part of my budget. I account for everything in my budget and only ever to save a little. I'll be employed a long time .. sigh