This video is VERY relatable, especially the food and treating yourself sections. I have pretty much zero self control when I get my money, I'll make sure to keep this video in mind whenever I get paid.
I started to pick up money which other people loose on the streets and too lazy to pick up. A dime here, a quarter there or just a penny. When I walk around I keep my eyes open instead staring on my iPhone like a zombie. Over a year, I found $120 in change!!! $120 for free, which paid for two weeks of food! Good spots are around parking pay machines and ATMs, also around the vacuum cleaners at gas stations! This has become a fun hobby of mine and I compete with a buddy of mine who does the same! It pays to keep your eyes open! :)
There are three nice things about buying groceries as soon as you're paid: 1. You're more likely to buy healthier food versus eating out. 2. You'll feel guilty about eating out when you have a whole pantry/fridge full of fresh food at home. 3. If you grocery shop and budget properly, you shouldn't be able to afford to eat out. 😆 My wife and I got into the habit of sitting down on Sunday or Monday and creating a menu for the week. Then we use that menu to create our weekly grocery list for the necessary ingredients for each meal. We've found that it helps us eat healthier, fresher, and on a budget. This process actually makes eating out somewhat of a hassle because we have to go back and revise our menu plans.
A few tips for cars: try not to run your gas tank below a quarter tank..it strains the fuel pump and can prematurely wear out which will cost hundreds to repair .. In the winter, try to keep your car at half a tank or more so it doesn’t build up as much condensation.. Preventative maintenance goes a long way..tune ups when necessary are essential yes we don’t want to dish the money out but then again it could save hundreds down the line..last but not least if you want something affordable and reliable and easy to fix/maintain go Toyota or Honda.
Going to the bank to get my cash for the week (and avoiding ATM fees) then filling my fuel tank on the way to buy groceries/supplies on payday is something I have done for decades. It truly does save money. Maybe it stops the "scarcity mentality"? It sure saves on stress. I know I can get to work. I have food, cash in my pocket and enough to pay my bills. I don't feel the need to buy extra stuff not on my list. I also get something from the deli while I'm at the store so I can go straight home.
So helpful and genuine, big thanks to you. After ive paid all my bills i treat myself to a chicken Korma. And maybe a new string to my guitar. (,i'm a session musician). I like the way you talk it through, with your real concern for everyone out there. We are living in very scary times. 👍🌍🌱
Can recommend food shopping for a week only: I am the one who pays all the bills so I tend to only shop from Friday to Friday, and we try and eat everything in the fridge. Cuts the bill right down, esp if you only get what you actually eat up. Every 2 months I stock up on sauces and cupboard essentials.
It’s been a minute, but loving the increase in your quality! You continue to improve on an aesthetic level but also conceptually. Really enjoyed your points here. Wish you continued success!
Hmmm, maybe a future video could be "Nick checks out games from the library to see if he has fun?" 🙂 On payday I put a big credit on my Visa based on the cost of my monthly bills, plus a little for my DI (disposable income). The rest is automatically zapped out for savings/investment.
Really sound advice! I think most of us have a love hate with money. And I appreciate you doing the research so we don’t have to lol. I think you could delve more into the “Paying myself” part. Or how you treat yourself? I love the artwork, and as always the editing is so good! Your videos really are movie quality. Your videos never disappoint!
I pay debt(car loan&student loans), savings, then I get whatever is left over. If I don't have to pay insurance and my phone bill that week i get more to spend. I never give myself more than 200 of spending money a week. Gas comes out of my spending money and anything else that's not a fixed expense. So anything I've bought with a Pay By 4 and subscriptions, because those are things I don't need and I think of them as comfortable and not necessary. If it's coming out of my comfort money then I can see the impact of my spending habits outside of my bills. Makes me think harder when I want eveything all at once on payday.
"debt dumping" was how i paid off the remaining 16k of my private student loan in 9mo. how: i got a new job that increased my income considerably & avoided lifestyle creep. knowing my monthly budget for needs allowed me to calculate the extra i made that month & dump it into debt payments. now, that overage goes to savings.
Ah! I'm honestly happy I stumbled on your videos. This is exactly what I need! PS I'm also going through all your videos because "minimalist" "frugal living" "tech" got me!
Thank you for talking about such an important topic. In my personal experience, finances is a topic that is not being discussed enough. We don't really learn about it at school, so I feel very lucky to have started watching UA-cam videos just like this in my early twenties. It made become very mindful of where my money goes and keeping track of my spending for 4 years now enabled me to allocate my close-to-minimum-wage earnings towards what really matters to me-travelling, investing in my content creation projects, building up an emergency fund and investing. Grocery shopping is a crucial point to me. I can easily end up spending double the amount of money on food in a month when I'm too lazy to go to the cheaper grocery shop that is outside of my commute to work. As a result, I spend more. The food that is available to me in the small shop near my house also tends to lower my energy levels, as it's usually more unhealthy than items from the other shop. If I choose to go to the cheaper shop, I have to walk 40 minutes with my groceries to my home, but I count it as a light workout and give myself a day off from the gym those days. It is worth the sacrifice even if it takes extra willpower-in which I'm the same, when I'm hungry, it is zero!
Amazing advice Nick! Paying off debt hit a little too close to home but this gave me really useful and tangible information on how I can improve not only the way I use my money but how I think about it!
Thank you very much mate!! I am having trouble living frugally, though god knows I want to do it. My salary ain't good enough for savings as such, but I manage to do a bit of savings. This video gives a few ideas, which perhaps I can explore.
Excellent video, Nicholas! Great ideas explained very well. I am very happy with your journey out here n how you have your own way of influencing your audience. Very commendable job. Stay blessed!
I just pretend I’m poor af making $20 a week and just spend it on food. Since I’m on a bit of a “vacation” (unpaid 6 week jury duty trial), I spent more, but I definitely plan on implementing my $20 per week routine. I’m going to take out $40 from my bank and keep $20 on me to pay for stuff at places.
Filling you tank with gas when you get paid, does that impact how much you use your car at all? I feel like it could easily become an excuse to use it more, because you already filled up, so you don't have to worry about it. I don't have a car, nor a public transit pass, but I have a prepaid card where you add tickets in bulk (10 or 20 usually), and I tend to top up as needed, but I think that if I made it a routine to do this every payday, I would likely walk less and take public transit more, because those "extra" tickets were already there and paid for.
One thing I’ve done is to find out from the power company what the average bill was for the place I lived. Then I paid at least that amount year round. When the bill was bigger, I paid the total of the bill. After a few years I would have an excess paid in so I could go a few months on the balance paid in. Knowing that if I had a low check or unexpected cost and still be ok on utilities was worth it. However, you NEVER do this with your rent. Getting money back from a landlord is like pulling a angry lion’s teeth!
Great video as always, very insightful! Been following you since before you had a thousand followers and im excited for how much your channel and following has grown! 30k, wow!! Congratulations and keep posting great content 🖤
When I got my first full-time job at age 25 I made it a priority to pay off my ~$20k in grad school debt within about 18 months. I also maxed out my 401k contributions to get the full matching funds from my employer. It's rarely spoken about (though an increasingly practical reality for many) to either stay living with or move back in with your parents if you can until you are ready to start your own family. If I had systematically invested the ~$80k+ I spent on rent and living expenses after finishing college I could probably retire at 50. I don't plan to "retire" though, just increasingly add to my experience and skills to take on only projects I want to work on (mostly my own).
I question anyone who just puts in $10 or $20 for gas when they visit the pump. Just fill it to the max whenever you are near low, and you'll coincidentally make the least trips possible.
First thing I do when I get paid is paying my self! I send money for saving and retirement. I work so hard so I totally deserve to keep some for my self before I pay bills and start spending. Nice video, great content as always 💜
Note to myself: 1. Don't go out being hungry, especially to the grocery shop. Our have snacks with you. 2. Don't buy coffee 3. No junk food 4. Pay the checks in advance on a payday 5. Fill the car with gas on a payday 6. Buy food on a payday for a longer period 7. Pay off credits faster 8. Put aside some money on a payday
Great video once again Nicholas. This exact topic I taught in one of many classes years back. A key point to being frugal and senseless spending is brown bag to work. I started the semester with asking the students to try taking their lunch along with healthy snacks eat day and maybe 3-4 kept at it. Couldn't believe the financial gain and eating more healthy.
You attitude on dept should be simple, the money you get paid is not yours if you owe money to someone, therefor paying off dept and paying more should be a certainty, not an option. The best way I found is round it up to the nearest £50, keep it simple, manageable and consistent, if you can do more, throw an extra £50 / £100 in as well. Most minimum payments will be very small by design to make you feel thousands in dept is manageable and hold you there paying insane amounts of interest every month, you're being milked essentially at this point, taken advantage of, do you like giving money to someone for nothing? Get angry about it and channel that into motivation, don't be okay with it. I understand people fall into dept for all sorts of reasons and don't always have the means to spare a £1 let alone anymore, this doesnt apply to all and I understand that, it did work for me though and hopefully helps someone else too. Mindset / attitude on money makes all the difference sometimes.
Great video. You probably know it already but the audiobook of "The Total Money Makeover" accords with a lot of your ideas and goals; i would recommend it if you havent heard it before. You are on the right path and you are going to absolutely crush it when you get to zero debt and can invest fully. Your approach is impressive. Thanks for the video.
nice video idea-- i'm always curious as to how people manage their pay when it lands. i get paid monthly and immediately transfer set amounts to sinking funds, investments and emergency fund. what is left goes towards my bills and fun spending. seeing the full amount sitting in my chequing account for too long makes me uncomfortable!
Lucky me, I only have mortgage payment with 2.75% ($177K balance). I don't have credit cards debt, student loan, car loan ect. I wish to payoff my mortgage early and I can retire sooner. I only buy what I need and save up in my money market account with interest rate 1.65% -1.96% and 401K to get a better life when I retire, no rely on social security if it runs out of money in the future.
I always had a problem to save bigger amounts of money. For few months now I try to keep the X amount on my account so when payday comes up I withdraw this amount and hide to my safe so I can have physichal money just in case I wont have option to pay by card. Also to save for something. Generally speaking I;m in my learning process with saving money even though I should do this way few years back but looks like I'm a slow learner in some things :) Thank you for your videos. In the past 2 years Ive been minimazing and trying to live better etc. This year I found your channel and I found out so much to implement in my life :) Greetings from Poland ^^
Although English is not my primary language, but your explanation is easy to understand. The content gets to the point in an appropriate video length.Thank you for sharing.
Great video and great points again. On the subject of loans it’s best to check the terms first or when you are paying, some loans (over in uk at least) can sometimes charge a fee if you pay it off early. Usually if there’s an apr on it. Really great video again buddy
I agree with the sentiment but disagree with the prioritization. Saving 50 dollars a month for an emergency fund would mean it would take you much longer than a year to save even 1k. It would take you more than a decade to get your actual 3-6 months expenses. You should be slamming hundreds of dollars into that fund until it’s topped off. Literally as much as you can after rent and essentials are paid. Also, the gas thing as #2 seems weird. You should fill up your tank when you get gas, filling it up 10-20 bucks at a time is not really going to make your gas consumption higher whatsoever (tho it may damage your fuel pump)
Hey bro! I have tendency to spend money I don’t have on electronics since I love iPad,laptop,headphones etc… I’m working on paying it off now! It’s gonna take like 2 years tho ! Good video man!
I have been watching your videos and I absolutely love the fact someone shares the same ideas like me. Also, I believe a minimalist like you will genuinely appriciate having a motorcycle for public transportation at some point. For my case I appriciate it every single day, not just because of the gas mileage, but also because the sense of a certain freedom and a general minimalistic idea of it in my opinion.
@@NicholasGarofola At some point of your life, do consider owning one. A small capacity motorcycle will get you places in time... and you will enjoy the ride more too. From your videos I have learnt that appreciate little things in life. I hope you like this one too.
Hey Nicholas! I’m a huge huge HUGE FAN! I love all your videos! I wondering if you invest into stocks and stuff! I’m a huge noob in this topic and I would be really interested in those type of vids!
I’m still fairly new to investing so I’m waiting until I have a little more confidence in backing what I do before I talk about it! But thanks for watching!! 😄
The Fact That You Stop A Subscription To Live As Frugally As You Can, And Then Buy A Plant Afterwards 🪴, Just Defeats The Purpose. Just Live Your Life Happily Bro
I don’t necessarily want to live frugally, I want to live a little more intelligently especially in my spending ☺️ love your videos
Love that!
This video is VERY relatable, especially the food and treating yourself sections. I have pretty much zero self control when I get my money, I'll make sure to keep this video in mind whenever I get paid.
I started to pick up money which other people loose on the streets and too lazy to pick up. A dime here, a quarter there or just a penny. When I walk around I keep my eyes open instead staring on my iPhone like a zombie. Over a year, I found $120 in change!!! $120 for free, which paid for two weeks of food! Good spots are around parking pay machines and ATMs, also around the vacuum cleaners at gas stations! This has become a fun hobby of mine and I compete with a buddy of mine who does the same! It pays to keep your eyes open! :)
This is brilliant!!
There are three nice things about buying groceries as soon as you're paid:
1. You're more likely to buy healthier food versus eating out.
2. You'll feel guilty about eating out when you have a whole pantry/fridge full of fresh food at home.
3. If you grocery shop and budget properly, you shouldn't be able to afford to eat out. 😆
My wife and I got into the habit of sitting down on Sunday or Monday and creating a menu for the week. Then we use that menu to create our weekly grocery list for the necessary ingredients for each meal. We've found that it helps us eat healthier, fresher, and on a budget. This process actually makes eating out somewhat of a hassle because we have to go back and revise our menu plans.
A few tips for cars: try not to run your gas tank below a quarter tank..it strains the fuel pump and can prematurely wear out which will cost hundreds to repair ..
In the winter, try to keep your car at half a tank or more so it doesn’t build up as much condensation..
Preventative maintenance goes a long way..tune ups when necessary are essential yes we don’t want to dish the money out but then again it could save hundreds down the line..last but not least if you want something affordable and reliable and easy to fix/maintain go Toyota or Honda.
I absolutely agree with all of this 100%! Thank you.
Going to the bank to get my cash for the week (and avoiding ATM fees) then filling my fuel tank on the way to buy groceries/supplies on payday is something I have done for decades. It truly does save money. Maybe it stops the "scarcity mentality"? It sure saves on stress. I know I can get to work. I have food, cash in my pocket and enough to pay my bills. I don't feel the need to buy extra stuff not on my list. I also get something from the deli while I'm at the store so I can go straight home.
Or just pay everything with card or nfc .
So helpful and genuine, big thanks to you. After ive paid all my bills i treat myself to a chicken Korma. And maybe a new string to my guitar. (,i'm a session musician). I like the way you talk it through, with your real concern for everyone out there. We are living in very scary times. 👍🌍🌱
Can recommend food shopping for a week only: I am the one who pays all the bills so I tend to only shop from Friday to Friday, and we try and eat everything in the fridge. Cuts the bill right down, esp if you only get what you actually eat up. Every 2 months I stock up on sauces and cupboard essentials.
It’s been a minute, but loving the increase in your quality! You continue to improve on an aesthetic level but also conceptually. Really enjoyed your points here. Wish you continued success!
Thanks Shane!! I appreciate you sticking around 😊
I also pay all credit cards as soon as I get paid. You know spend it before you can spend it 😂😭
I love the content and even love the acting part. I’m happy that I’m learning and at the same time getting entertained. Thank you, Nicholas.
I’m glad you’re getting value!!
Hmmm, maybe a future video could be "Nick checks out games from the library to see if he has fun?" 🙂 On payday I put a big credit on my Visa based on the cost of my monthly bills, plus a little for my DI (disposable income). The rest is automatically zapped out for savings/investment.
I like that!
Really sound advice! I think most of us have a love hate with money. And I appreciate you doing the research so we don’t have to lol. I think you could delve more into the “Paying myself” part. Or how you treat yourself? I love the artwork, and as always the editing is so good! Your videos really are movie quality. Your videos never disappoint!
Movie quality is going to boost my ego thanks so much 😄. I can elaborate on what I mean by that in another video 🙃
I pay debt(car loan&student loans), savings, then I get whatever is left over. If I don't have to pay insurance and my phone bill that week i get more to spend. I never give myself more than 200 of spending money a week. Gas comes out of my spending money and anything else that's not a fixed expense. So anything I've bought with a Pay By 4 and subscriptions, because those are things I don't need and I think of them as comfortable and not necessary. If it's coming out of my comfort money then I can see the impact of my spending habits outside of my bills. Makes me think harder when I want eveything all at once on payday.
I am only two minutes into the video and it's quite relatable. You have a new subscriber.
Great video, Nicholas! Thanks for sharing!
Cheers from Brazil!
Great video, Nicholas! Keep up the great work 💯
Thanks so much!
"debt dumping" was how i paid off the remaining 16k of my private student loan in 9mo.
how: i got a new job that increased my income considerably & avoided lifestyle creep. knowing my monthly budget for needs allowed me to calculate the extra i made that month & dump it into debt payments. now, that overage goes to savings.
I love that. I struggled with lifestyle creep badly. It definitely sounds like I should look into debt dumping, thanks as always Liza 😄
Ah! I'm honestly happy I stumbled on your videos. This is exactly what I need!
PS I'm also going through all your videos because "minimalist" "frugal living" "tech" got me!
Thanks so much!! I appreciate it
Thank you for talking about such an important topic. In my personal experience, finances is a topic that is not being discussed enough. We don't really learn about it at school, so I feel very lucky to have started watching UA-cam videos just like this in my early twenties. It made become very mindful of where my money goes and keeping track of my spending for 4 years now enabled me to allocate my close-to-minimum-wage earnings towards what really matters to me-travelling, investing in my content creation projects, building up an emergency fund and investing.
Grocery shopping is a crucial point to me. I can easily end up spending double the amount of money on food in a month when I'm too lazy to go to the cheaper grocery shop that is outside of my commute to work. As a result, I spend more. The food that is available to me in the small shop near my house also tends to lower my energy levels, as it's usually more unhealthy than items from the other shop. If I choose to go to the cheaper shop, I have to walk 40 minutes with my groceries to my home, but I count it as a light workout and give myself a day off from the gym those days. It is worth the sacrifice even if it takes extra willpower-in which I'm the same, when I'm hungry, it is zero!
Amazing advice Nick! Paying off debt hit a little too close to home but this gave me really useful and tangible information on how I can improve not only the way I use my money but how I think about it!
You’re the best Stephen!
I love your videos! Nice quality & great content 👍
Appreciate that!
Practicing frugality now. I am still using my old laptop which I used for college, that was given to me by my dad, it is still working well!
Thank you very much mate!! I am having trouble living frugally, though god knows I want to do it. My salary ain't good enough for savings as such, but I manage to do a bit of savings. This video gives a few ideas, which perhaps I can explore.
Creating wealth > saving
This is really helpful and prompted me to open another savings account. You definitely provided value to me. Thanks, Nicholas!
Glad it was helpful!
This videos is educational and applied in every one of our life ,Such a good video .Specifically Saving part is so good
Excellent video, Nicholas! Great ideas explained very well.
I am very happy with your journey out here n how you have your own way of influencing your audience. Very commendable job. Stay blessed!
I'm 25 been working for 5 years , and I have 65k save on a 15$ hour , and keep going 💪
I just pretend I’m poor af making $20 a week and just spend it on food. Since I’m on a bit of a “vacation” (unpaid 6 week jury duty trial), I spent more, but I definitely plan on implementing my $20 per week routine. I’m going to take out $40 from my bank and keep $20 on me to pay for stuff at places.
Nice video, some great tips to be found 👍
this is such a beautiful video, thank you.
Thank you so much!
Filling you tank with gas when you get paid, does that impact how much you use your car at all? I feel like it could easily become an excuse to use it more, because you already filled up, so you don't have to worry about it. I don't have a car, nor a public transit pass, but I have a prepaid card where you add tickets in bulk (10 or 20 usually), and I tend to top up as needed, but I think that if I made it a routine to do this every payday, I would likely walk less and take public transit more, because those "extra" tickets were already there and paid for.
One thing I’ve done is to find out from the power company what the average bill was for the place I lived. Then I paid at least that amount year round. When the bill was bigger, I paid the total of the bill. After a few years I would have an excess paid in so I could go a few months on the balance paid in. Knowing that if I had a low check or unexpected cost and still be ok on utilities was worth it. However, you NEVER do this with your rent. Getting money back from a landlord is like pulling a angry lion’s teeth!
Great video as always, very insightful! Been following you since before you had a thousand followers and im excited for how much your channel and following has grown! 30k, wow!! Congratulations and keep posting great content 🖤
I appreciate that! Thanks for sticking around
Solid suggestions.
Never thought about getting gas and buying groceries right after pay day, thank you! 🤦♀️
🔥
Can you make a video ,About the Design of Minimalast Room?
And some tips for being a good minimalist
❤❤❤
When I got my first full-time job at age 25 I made it a priority to pay off my ~$20k in grad school debt within about 18 months. I also maxed out my 401k contributions to get the full matching funds from my employer. It's rarely spoken about (though an increasingly practical reality for many) to either stay living with or move back in with your parents if you can until you are ready to start your own family. If I had systematically invested the ~$80k+ I spent on rent and living expenses after finishing college I could probably retire at 50. I don't plan to "retire" though, just increasingly add to my experience and skills to take on only projects I want to work on (mostly my own).
I like that!
I question anyone who just puts in $10 or $20 for gas when they visit the pump. Just fill it to the max whenever you are near low, and you'll coincidentally make the least trips possible.
Thank you
I divide my expendable income by 4 and split it for the 4 weeks.
This allows me to not overspend and don't get the Month End broke phase.
Your content is very good 👍
I appreciate that!
👍
You can't be true minimalist because you are doing things ;-D
🙃
I only Have home loans
I always say whats the rush to show off..
Which farming game were you playing there? was that Farm Together?
I was just wondering if you know the material that your bed sheets are made out of as I would like to purchase some.
I love you channel already!!!!!
Thank you!
Yo what video game was that 🤣 :28
Dinkum
Go to the gas station when it's relatively cheap and you are nearly in need. I don't like the gas station when paid attempt.
Cool video as always Nicholas! Was wondering what is the name of the game that you were playing at the beginning of the video? Have a nice day/night!
Dinkum. Highly highly recommend
Looks good! Thank you!
Great video! What camera do you use?
Sony a6500
Any tips for someone who spends 60% of their income on housing?
That’s a lot man
@@JonathanBelloso-tz8mz thanks for reminding me lol
Dinkum is the game at 0:30? Would you recommend it?
Dude, yes. I love it
Do i have to pay off all ny debt or leave 5% on it.
What kind camera do you use?????👁️👁️
sony a6500
Things I do when I get paid. Rent Bill. Food Bill. Gas Bill. Other Bill. No money left.
Get gas on payday!
But do you ever spend money on fun?
Dinkum😂
One of my favorite games ever
@@NicholasGarofola same! So happy when i saw it 🤣❤️
When my grandpa asks what "cringe" means I'm going to show him this video
1/ GET PAID
2/ SEND 30-40% TO SAVINSG
3/ 10% BILL ACCOUNT
4/ 10% SHARES
5/ 10% EMERGENCY FUND
6/ 30% TO LIVE ON
Thx dude
First thing I do when I get paid is paying my self! I send money for saving and retirement. I work so hard so I totally deserve to keep some for my self before I pay bills and start spending. Nice video, great content as always 💜
I love that! Thanks for the kind words 😄
Note to myself:
1. Don't go out being hungry, especially to the grocery shop. Our have snacks with you.
2. Don't buy coffee
3. No junk food
4. Pay the checks in advance on a payday
5. Fill the car with gas on a payday
6. Buy food on a payday for a longer period
7. Pay off credits faster
8. Put aside some money on a payday
Even experts disagree with each other. So your advice is just as valid as anyone else's. :)
Great video once again Nicholas. This exact topic I taught in one of many classes years back. A key point to being frugal and senseless spending is brown bag to work. I started the semester with asking the students to try taking their lunch along with healthy snacks eat day and maybe 3-4 kept at it. Couldn't believe the financial gain and eating more healthy.
I love that. Thanks Mike!
You attitude on dept should be simple, the money you get paid is not yours if you owe money to someone, therefor paying off dept and paying more should be a certainty, not an option.
The best way I found is round it up to the nearest £50, keep it simple, manageable and consistent, if you can do more, throw an extra £50 / £100 in as well. Most minimum payments will be very small by design to make you feel thousands in dept is manageable and hold you there paying insane amounts of interest every month, you're being milked essentially at this point, taken advantage of, do you like giving money to someone for nothing? Get angry about it and channel that into motivation, don't be okay with it.
I understand people fall into dept for all sorts of reasons and don't always have the means to spare a £1 let alone anymore, this doesnt apply to all and I understand that, it did work for me though and hopefully helps someone else too. Mindset / attitude on money makes all the difference sometimes.
Great video. You probably know it already but the audiobook of "The Total Money Makeover" accords with a lot of your ideas and goals; i would recommend it if you havent heard it before. You are on the right path and you are going to absolutely crush it when you get to zero debt and can invest fully. Your approach is impressive. Thanks for the video.
I'll check it out!
nice video idea-- i'm always curious as to how people manage their pay when it lands. i get paid monthly and immediately transfer set amounts to sinking funds, investments and emergency fund. what is left goes towards my bills and fun spending. seeing the full amount sitting in my chequing account for too long makes me uncomfortable!
Your videos inciling me towards digital minimalism i recently bought an godly aesthetically external HDD to organize my digital clutter
Lucky me, I only have mortgage payment with 2.75% ($177K balance). I don't have credit cards debt, student loan, car loan ect. I wish to payoff my mortgage early and I can retire sooner. I only buy what I need and save up in my money market account with interest rate 1.65% -1.96% and 401K to get a better life when I retire, no rely on social security if it runs out of money in the future.
Great video, I like the idea of filling up with gas on payday and buying food.
Going to get gas each paycheck is also not the best. Pros get gas and fill up and don't go back til you are close to e
Lastima que no se tenga subtítulos al español.
Damn I just realized I never go inside gas stations lmao
I always had a problem to save bigger amounts of money. For few months now I try to keep the X amount on my account so when payday comes up I withdraw this amount and hide to my safe so I can have physichal money just in case I wont have option to pay by card. Also to save for something. Generally speaking I;m in my learning process with saving money even though I should do this way few years back but looks like I'm a slow learner in some things :) Thank you for your videos. In the past 2 years Ive been minimazing and trying to live better etc. This year I found your channel and I found out so much to implement in my life :) Greetings from Poland ^^
Thanks so much! Appreciate the kind words 😄
Hi. Thank you. I really like your video. Very informative, practical and inspiring
Thanks!
Although English is not my primary language, but your explanation is easy to understand. The content gets to the point in an appropriate video length.Thank you for sharing.
Glad to hear that!
Great video and great points again. On the subject of loans it’s best to check the terms first or when you are paying, some loans (over in uk at least) can sometimes charge a fee if you pay it off early. Usually if there’s an apr on it.
Really great video again buddy
Thanks Paul!
Hi! Thank you so much for another beautiful nad very useful video!
Nevermind about iPad! Just came across your video about it
lol
because of covid-19, I was unemployed, So when I roll up this video , inevitablely I love up to the vlogs'es attitudes, thanks for your share with us.
I agree with the sentiment but disagree with the prioritization.
Saving 50 dollars a month for an emergency fund would mean it would take you much longer than a year to save even 1k. It would take you more than a decade to get your actual 3-6 months expenses.
You should be slamming hundreds of dollars into that fund until it’s topped off. Literally as much as you can after rent and essentials are paid.
Also, the gas thing as #2 seems weird. You should fill up your tank when you get gas, filling it up 10-20 bucks at a time is not really going to make your gas consumption higher whatsoever (tho it may damage your fuel pump)
✔️
really great advice, I enjoyed the video..Thanks
Love this channel, i know how to manage my money spend.
I just commenting after such a long time ban from
Great video! I like everything you have shared with us in the video. 😊🌟
Hey bro! I have tendency to spend money I don’t have on electronics since I love iPad,laptop,headphones etc… I’m working on paying it off now! It’s gonna take like 2 years tho ! Good video man!
You can do it!
🔺🔻🔺🔻🔺🔻🤤
I have been watching your videos and I absolutely love the fact someone shares the same ideas like me. Also, I believe a minimalist like you will genuinely appriciate having a motorcycle for public transportation at some point. For my case I appriciate it every single day, not just because of the gas mileage, but also because the sense of a certain freedom and a general minimalistic idea of it in my opinion.
Its definitely been a thought of mine!
@@NicholasGarofola At some point of your life, do consider owning one. A small capacity motorcycle will get you places in time... and you will enjoy the ride more too. From your videos I have learnt that appreciate little things in life. I hope you like this one too.
What kind of plant is that at 5:50?
Dragonfruit Plant.. or so I was told
Keep going, Great content!
Thanks!
great video!
Thanks!
Just got paid today, as soon as this video drops. A sign, perhaps? Thanks for the content, Nicholas!
Hey Nicholas! I’m a huge huge HUGE FAN! I love all your videos! I wondering if you invest into stocks and stuff! I’m a huge noob in this topic and I would be really interested in those type of vids!
I’m still fairly new to investing so I’m waiting until I have a little more confidence in backing what I do before I talk about it! But thanks for watching!! 😄
@@NicholasGarofola well even if it’s in a year or two I hope that video comes! Take care!
The Fact That You Stop A Subscription To Live As Frugally As You Can, And Then Buy A Plant Afterwards 🪴, Just Defeats The Purpose. Just Live Your Life Happily Bro