Yep...I don't drink coffee but I do make my own at home. I am saving up to 14.00 a day just doing that. I also don't eat food that other people prepare just because of what I eat.and don't eat..I spend most of my food money on fresh produce.
It’s to the point where people who do this still cant save though. I used to be able to do this and save, but cost of living is just eating into that now. I pay for a small room in a really crappy shared house, make all my food myself, walk to work every day got rid of my car, use my dumbbells and go for walks in the park instead of gym membership, been doing this for five years to try and save to buy a house here in the UK but house prices keep going higher along with interest rates rising affecting how much you can borrow, rent bills and food costs have massively increased since coronavirus but wages are stagnant. It’s just plain old shit for people right now.
I am 25 years old, I have been disabled since birth and I live on SSI disability. the key is being content. I live on less than $1000/month and I live with my parents still due to my disability. I dont drive, still have an iPhone 7 that I bought 5 years ago, repair as much as possible before I replace. wait for things to go on sale or utilize gift cards from Christmas and birthdays to buy things I need to replace. I have zero debt. I never will unless it's a home mortgage which even that I want to avoid even if it means buying a mobile home or travel trailer to live in. I really dont care as long as it's clean, safe and in good condition. the goal is to keep costs as low as possible. drive cars until they literally stop driving (transmission or engine failure). when you have a disability all that matters is survival. I am in survival mode and as long as I am safe and decently comfortable that's all I ask for
Than your parents for that. Im in the same boat you are, but with two kids and no parents or siblings I pay rent every month, and other bills every other month. Eat lots of healthy foods, no processed food, and only travel for medical reasons, son has heart problem. I have about $1500 credit card debt, and car is paid off. Every year I use my tax check to pay off my credit card and it all starts again.
Former flight attendant here: rest assured, genuinely rich people are the kindest, most well mannered people. You can sense it in a heartbeat - they wait their turn, are never rude, demand nothing, and treat everyone with the utmost of respect. Fact.
When in my 20s I did in home furniture repair. In my experience there was a huge difference between the man of the house and the lady of the house when it came to their treatment of me. They guys were more down to earth while the ladies were more demanding and restrictive. I've had crazy demands from the ladies. The guys would offer me a drink and leave me alone to do my work while the ladies would watch over me.
Life! I use to buy clothing, purses ,wallets to match, jewelry, items for certain functions, now here at 65 I am decluttering all those items. So sad that I wasted money on those items (yes had fun ,but) I wept going though the items, because life changes. (why do we hang on to stuff) If i could tell my younger self you do not need high heel shoes, did I have a addiction? Some of those shoes have disintegrated😪 Now I have just simply downsized my wardrobe 12 items in rotation. ugg! so mad at myself for being dumb. I could of had more money for my future. Why do we learn things to late. Get video! you will help people like me and change their future.
I'm sure you enjoyed it. I am turning 60 and finally enjoying to curate a wardrobe of quality not quantity. I never made good money when young until the last 10 years.
Agree 1,000% ! I’m 58 and downsizing now. I have so much jewelry that I don’t wear anymore. Even a zillion hair bands and such. Ugh ! Don’t need it anymore
Someone here on UA-cam, in the comments on another decluttering video said something like the sad thing is all this stuff used to be money! I started decluttering a couple of years ago and I go back and pick more things to get rid of all the time. I'm selling a lot, if I can make $5-10 instead of goodwill making money, I'll sell it. It adds up quickly. I've got lots of jewelry, most costume jewelry, I'm selling it all. Yes, it's an addiction. I stopped shopping too about 3 years ago. My house feels larger, I have a mountain of empty storage containers, I'm not buying anything other than to replace what I run out of, toothpaste, detergent, deodorant etc. I still have a long way to go, but I thought to myself, if I drop dead tomorrow, my daughter will have to deal with my stuff and I don't want to put her in that situation. I'm 60 now and I wish I would have learned about this sooner and being able to communicate with other people here on UA-cam is amazing. Lots of people in this situation. Yes, I feel very stupid for allowing myself to get into this overwhelming situation but there's nothing I can do about the past, I forgive myself and I'm working hard to get to a sustainable life. I'm also working on paying off all my credit cards and I'm closing the accounts afterwards. Very liberating.
Don't even need to watch, after supervising entry level employees for years... 1. Coffee 2. Tattoos 3. Nails 4. Cell phones 5. Car modifications 6. Keeping up with fashion 7. Going to college but majoring in something that does not result in a viable career 8. Eating at restaurants frequently, especially if you buy alcohol 9. Installment/credit card debt 10. Concerts
New cars when you already have something that works Gym memberships you don’t use enough Subscription services Expensive or excessive skin care products Gambling including regularly purchasing lottery tickets Smoking Payday or similarly outrageous loans
@kpk33x You know your employees well! You should put this in a one page handout for your employees. You would be doing them a great favor. You have pretty much summed up the spending habits of the millennial & Gen X generation. The only thing I saw you missed was spending a lot of money on their hair. Coloring & cuts. Again awesome list.
I make close to 100k. Live in a very nice apartment (rent is more than I like, but it’s a decision I made). There’s a fancy coffee shop in the lobby and it’s $6 (plus a freaking tip of course) in the lobby. I ran out of pods and broke down and bought the coffee and literally was pissed about it for hours 😂 I’ve never understood how you can make $16 an hour and have a suped up charger, LV purse and a venti Starbucks every day.
@@bonniekerr6890 HR would not be happy. They would see it as condescending. It was funny though as several drove around in newer cars they were leasing while I had the 7 year old car with the big dent I never fixed
The biggest area where I waste money is on convenience food. I broke the going out to lunch habit a while ago and pack every day. After a long, draining day at work I'm generally not in the mood to cook dinner when it's just me at home during the week. I try to reduce that by making larger meals on the weekends so there is leftovers.
Once you get into the habit of cooking larger meals at home to eat throughout the week you will not even consider that nasty fast food. You will be healthier and have more money !!! Most things can be frozen in serving size containers so you’re not eating the same thing all week, just freeze for another time. After a few weeks you have a nice selection of freezer meals to choose from and just keep rotating through them. It makes packing your lunch easy too, just grab a frozen meal for lunch and put one in the refrigerator for supper, the lunch one is thawed by lunch time and the supper one is thawed when you get home, just heat them up ! There are UA-cam channels about prepping meals and freezing meals, they are time savers ! Good luck on your journey!
I have wasted far too much money on clothes in the past. I don't do that now. I gave up smoking over thirty years ago. The money I have saved from that would be incredible. But mostly happy for the health benefits!😊
As I watch other poor people blow their money on tattoos, buying concert tickets,traveling to high priced attractions such as Disneyland. Always getting into trouble,now need to pay heavy fines and lawyer fees. Having to have that motorcycle, off road vehicle,RV,etc.The biggest one is divorces. Why are you on your 3rd divorce? Some people never learn from their mistakes.
I used to spend lots of money on skin care products and none of them were any better than drugstore brands. I couldn’t ever tell any difference in my skin. A few years ago I picked a reasonably priced brand and use a few basic products. I’ve stuck with it and saved a ton.
@@marep5597 Skin care companies know women are suckers for a so called miracle product! I buy one tube of prescription retin A and that lasts me years! Only thing that really works! And a good sunscreen!
Yes, I've stopped "treating" myself to expensive moisturizers which never made my skin look any better, and gone back to buying day and night cream from my local supermarket for under €2 a pot
Twenty years (or so) ago I started getting monthly facials with an incredibly talented and mindful women. Throughout the years she went from $30-50 per month. All so well worth it. The only reason I don't go now is because I moved to another state. One of her best tips was how these companies were making money on women and to search around drug stores testing brands. Since I travel to Europe (at least twice a year) I have found many pharmacy brands that have been very good on my skin and effective.
We quit going out to eat more than once a month. We have saved so much money by doing this and preparing our own food. So many good things have come from this.
@tinascott1479 I now bypass the fast food places and head to the grocery store and buy what we really want. A nice salad,lunch meat,cheese,rye bread,something from their bakery for a great lunch for several days for the same price as a couple burgers and fries.
Don't spend money at work. Best tip I got when entering workforce. All the home party sale booklets, etc. Buy candy from my kid, cookies popcorn, etc. Lunches! That daily lunch group trap.
My friend moved to rural North Carolina ten years ago. No one there is rich but everyone gets by because they hunt enough during deer season to feed their families the rest of the year. Everyone helps everyone else. My friend keeps an emergency pantry and uses it mostly to help neighbors who have fallen on hard times because of illness or accident. People of different races share the same values (most are former military) so it all works out.
Multiple pets. Clothes and toys for pets. Daycare for pets. Unnecessary trips to vet by anxious pet owners. Fences and systems to keep pets in yard. Dog walkers. Pet sitters and kennel fees. Damage to furnitue and flooring. I love my dog because she is LOW maintenance. If you are grumbling about the grocery bill, you can't afford a pet.
I humbly disagree on the final point. I can afford the pet(s) and our grocery bill, but I'm still gonna grumble about the grocery bill because of how much it's gone up, so quickly!
My daughter started out as a lowly social worker in a big center. It was ok but they wouldn't let her work part time when she had a baby. Fast forward nine years... she owns her own counseling business and has THREE locations! She makes a ton of money and has lots of "employees" who love her. Now she can work anytime she wants too!
I wasted so much money on makeup circa 2017-2019 (the OG UA-cam makeup Guru glory days). I ended up selling most of it or gifting it after I realised I only had one face and two eyeballs so I was never going to use up 15 eyeshadow palette's in one lifetime let alone before they expired in 18 months time. I started keeping track of what I used up and noticed how long it would take to use up a single product (hint: it's longer than you think). Valuable lessons can come after mistakes (especially financial ones) if you are willing to examine what you are doing and change to better yourself which enables lasting change.
Y’all - please don’t waste money on so called luxury goods, handbags etc, it’s so not worth it and just keeps you poor! I learned this lesson! Now I invest this 💰 and let it grow.
I spent 1200 10 years ago on a designer bag. Here I am still using the same bag. It's made extremely well and most bags people but are upward of 300. I've come out way better.
Luxury items are even top quality anymore. I was checking out purses on Saks website and they wanted hundreds. some even thousands, for purses that were vegan leather, which is just PLASTIC!
I just bought a purse for my birthday. It was 30.00. it's really nice and who can tell it's not a designer bag. Most bags aren't even made out of leather anymore. I have no credit card debt so I'm richer than most people.
I became a doctor, I decided at 18 and ended up liking it so actually stayed. It pays quite well. I have avoided credit card debt, and am also a health freak so I don't drink or smoke. But when i was a stupid student, I used to spend tons on going out drinking, buying rubbish fast fashion, hundreds of shoes and other crap. Now I live close to minimalist lifestyle and am so much happier without all the clutter and opening my wardrobe and actually being able to see everything in there.
Cooking saving tip: I make double what we need and immediately freeze 1 serving increments of the meal for nights that are too busy for my to cook so we eat healthier and cheaper even when we don’t have time to cook. I use freezer bags so that I can flatter the food (obviously some came be flat) for easier storage AND faster thawing
Years ago, I read either a biography or autobiography about Warren Buffet. What stuck in my mind were two things: 1) He bought adequate for longevity such as his vehicles and house. Buffet sometimes spent what was a reasonable chunk of money at the time of purchase to buy quality without a lot of features nor flash. Then he expected that asset to last a good 20 years without second thought of replacement. 20 years is a magic duration in the accounting/ financial world but he extended the concept beyond real estate right down to the can opener and toaster; things were built better back then. 2) Before the term "complete use" had become a management style buzz word, Buffet had even top dollar employees picking up and reusing paper clips off the floor, feeding paper back through the printer to print on the back side of paper when possible, and a number of other frugalities. Being the guy that he was, Buffet did cost account the savings to the company.
I wish things were made to last. Fridge - less than one year. Dishwasher-less than two. They weren’t the most expensive but not the cheapest. I don’t have a dime to repair or replace 😢
I would say drive through eateries, coffee houses are two things that I haven’t done in a very long time. If I have errands to run, I bring coffee, snacks or a lunch with me. It’s healthier and the cost is much less. I also color my own hair which saves me $70-$80 each time. Streaming subscriptions are next on the list of things to evaluate. Thank you for sharing the information.
I'm very grateful to have gotten an education debt free that put me in a career that earned a living, that I loved. However I blew it eating out all the time. As my mom would say, "If you can't be an example, be a warning." No more.
Depends. My divorce cost a whopping $120 to file, $45 for a mediator, $70 for the mandatory "divorce and parenting" class. We split the cost of everything.
@regina68139 But you automatically go from two incomes to one, and often have bills remaining from the marriage that need to be paid off. Your statement only works for a wealthy person.
@@tinac945 Not true. My divorce cost me $0. I told my ex, you want a divorce, you pay for it. When I moved out I got to keep all the money I used to pay our bills with, it was more than enough, especially since I was way more frugal than my ex.
6 years Army National Guard, changed my MOS twice as my training increased and made grade. I used my "free training" and experience to obtain employment as firefighter/paramedic, upon my separation. 34 years later, I will retire next year. I believe that military service instilled in me discipline, responsibility, and accountability. Warren Buffet, Suze Orman, and Gail Vaz-Oxlade taught anyone who will listen, how to save $$, and live a debt free life. Nice review.
@johnharbaugh9471 Joining the Marines was the best thing to happen to me and being sent to the toughest boot camp of all the services,Paris Island. It instilled in me of turning I can't into I can. Returning to the work force after and now faced with strikes,layoffs,plant closings. All now with a wife and 2 kids to support. I made it with a strong woman by my side. Oh,their were times of great depression and sadness. At 72 now, I can say I made it through all of that.
I have always bought my cars new. I pay cash and then keep them for 20 years. I don't think this is cheaper, but it does mean I don't have to buy cars very often which is the the worst. I'd rather have a root canal than buy a car.
I grew up poor and the neighborhood I grew up in was not exactly wealthy either--very blue-collar working class. One of the observations I've made about what poor people waste money on is 1) some of the goods they purchase. If you're poor, you have no business wasting money on drugs, cigarettes, alcoholic beverages when there isn't any real food in your home. 2) spending money on things you think will make you look like you're well off that you can't really afford just to keep up with the Jones. 3) they give no thought to savings--even if it's just a handful of change you throw in a jar. You don't invest in yourself or your future. I know I sound like I'm an awful tightwad but by the time I retire at 67 in a few years, my house will be paid for, I have quite a bit in savings and investments that will carry me from social security to the grave--comfortably. I did this by not wasting money, budgeting, using credit cards only in dire emergencies and paying myself first.
I was a shopaholic, whenever I wanted something I just bought it, now I am trying to declutter my condo of all the stuff that I have bought over the years. I got a lot of pleasure from retail therapy and it has been hard for me to stop shopping, but I am trying to fix this addiction, and save more money!!
Thank you I needed a motivational boost. Life is EXPENSIVE and I need to work on not letting my emotions let me spend unnecessarily on junk food and online shopping.
When you were talking about gambling I instantly thought about lottery tickets. That world preys on the poor persons dream of falling into a better life. My grandparents were very poor and my grandma would waste all their spare cash on the lottery and never came out ahead.
My mom used to work at a place that sold lottery tickets, lotto tickets, and stuff like that. She has always said that those who win are those who have played so much, they actually spent more than they won. And they would then waste those money in more gambling
We occasionally buy a few scratch offs. It’s fun. We don’t eat at fast food so we use that money on some lotto. It can’t hurt my health like fast food can 😏
I remember talking to a young lady at a bar who had an unexpected $200. She was debating over whether she should get another tattoo or buy some coke....and I don't mean Coca-Cola.
Thanks! This is definitely a great list that should be taught in schools, around Eighth grade., then reiterated, Senior year of high school. So many start out making poor decisions at 18. Teach it at home to your kids and grandchildren! Money and investments were never spoken about in my family or anyone I knew. Time we all know the truth! Keep up the wise information! You are helping so many people around the world. ❤
Hi Kate, hugs to Kaden! I don't use moisturizer or make up. I bought my car in 2020, it's paid for, and I have a sinking fund for my next one. I don't smoke, rarely drink, But... I do buy a ticket to the lottery every week. It allows me to spend a lot of time on night shifts planning how i would manage 33 million. It's cheap entertainment.
I worked in the high roller buffet at a casino for a bit over 2 years before the shutdown. To get in this room they were spending 100k a year. I had guests that worked 3 jobs and lived on social security to gamble, I had guests that used us for the prepared meals in place of assisted living, and I had a few guests that had rules in place for themselves and they started with x amount when they came in and they could gamble the winnings if they wanted. But when they hit 0 they were done. They would come eat and go home.... and they didn't allow themselves 2 days in a row. So many of them were always feeling behind. It was a very up and down cycle, and please, pretty please, if you want to gamble, set boundaries and don't do it regularly. Or better yet, gamble on dividend paying stocks, they pay out regularly!
As someone who bought a new car in 2012 and owned used cars previously I gladly pay the full depreciation in exchange for not having to replace vehicles more frequently. I got about 5 yrs out of the used cars I had and if that held true I would have had to buy used in 2012, 2017, and 2022. Assuming 5k per car (probably not realistic for 2022) that is slightly under what I paid for my new car with the added risk of who knows how well any of the previous owners maintained the cars. Bonus points for letting me avoid car shopping and car sales people twice and counting. If you intend to keep a car till it dies new might be worth considering.
I purchased a 2003 Toyota (certified used) and it was still running 15 years later and had no major issues with 200,000+ miles (The vehicle was given to someone.) The key is to buy a certified used vehicle that is certified from the manufacturer, making sure it has had only one owner and no accidents or issued before you purchase it. Buying new does not guarantee longevity. I know plenty of people that had brand new cars that purchased them after I got mine and their vehicles didn't last past the one I had.
Glad to hear that , have buyers remorse kinda with the 2024 Toyota i bought..1st New car at 59 years old & 40 years of working full time . Hope it outlives me
When you’re in high school, they usually have guidance consolers that can help give work direction. Don’t fret spending money going out, as long as it wasn’t putting you in debt. It is okay to live now and then. New cars are fine, if you can afford one and you drive it till it dies. My dad bought a new car and drove it for 37 years. I have a 25 year old vehicle myself. Trading them in every other year is where you loose money. Budgeting to go out is a great idea. If you gamble, only budget what you can afford to loose. Great vid 👍🏻👍🏻 🙂
I am recovering from a shopping addiction. I liked to overspend on skincare and makeup products. But I realized that it was due to low self esteem and buying for my “Fantasy Self.” I have wasted thousands of dollars over the years. But now that I realize what I am doing, I can make a conscious effort to change my spending habits.
Hi. Thank you for the video. For me, I refuse to buy water and instead have a Zero Water pitcher that filters it. I also refuse to buy coffee, and I make it in either a French press or a drip machine. Five years ago, I returned to the small Illinois town where I went to college (the first time) because I knew I could get a cheap but liveable apartment there. I also buy clothes at thrift stores or eBay. My "vice" is I like to go to the Chinese buffet about once or twice a month and I love to have breakfast out. There are two good buffets near here that charge about $11.00, and the college dorm that is within walking distance lets non-students eat there for about $9.00 and you don't have to tip anybody. Don't laugh! It's really good!
I'm 70 years old. I use Retin A, multiple peptides, vitamin C, niacinamide, and expensive Korean sunscreen (I'm allergic to American sunscreens). BUT I use lesser-known brands (Cos de Baha, CosRx, CeraVe, etc.) That way, I get a high-powered skin care regimen at less-than-drugstore prices. When you're young, you don't think it's a big deal - when you're my age it's a big deal. My STRONGEST recommendation: wear sunscreen religiously - even when you're not going outside. The sunscreen helps to protect against the damage that blue light from computer screens inflicts. Start using retinols ASAP and graduate to Retin A at menopause. Your skin is the largest organ in the body. To stay healthy and fit you need to take care of it. Also, taking care of your skin can take ten to twenty years off your apparent age. Again, no big deal for you, but a very big deal for me!
I agree. I am frugal as well but I do spend on skincare; not a lot because I am smart with my finances, but I do make sure I moisturize and wear sunscreen as part of my regimen. Also everyone has different skincare needs. I think more people should spend on what is really important to them and one can still be frugal while doing this.
disagree. Im not against a natural sunscreen but so many of the big brands have toxins in them that absorb into your skin. You might be doing more harm than good. The whole sun causes skin cancer is true for the easy to treat cancer but melenoma is not caused by the sun.
@@Loretta_C We are in total agreement! My adult son is completely uninterested in my frugal tips, because he associates it with deprivation and poverty. I, OTOH, think it's the best way to beat the retailers at their own game and get bougie on a budget!
I used to have a roommate who was very poor. He did almost all these things- smoked, gambled, ate out, had personal loans. These practices will make you poor...I do think buying a brand new car can be a good choice but it can also break the bank too.
Buying take out coffee is a waste of money, so are high end skin care products. A few years ago I discovered Ponds cold cream, moisturizer and Thayer witch hazel…best skin routine ever and also the most affordable. Boutique lines prey on women’s insecurities- that somehow if one doesn’t spend a fortune, one is being shortchanged.
Know what I reflect on…how a relationship wasted years and money. Example: I pay the debts they enjoyed (credit cards) and instead of them helping they left debt free. Or instead of fixing their car-sell a PIF car and they lease. I don’t get it. It’s a major divorce factor. No more relationships for me
Throwing away cracker or cereal bags. Repurpose into paper between burger patties . Large thick food grade bags with zip top- repurpose to marinade meat.
I would add furniture to that list! I'm searching marketplace for a gently used sofa, and it's crazy how many people bought sofas for many thousands of dollars only to sell them on marketplace for 1000 or less. Their loss, my gain I suppose!
I spend a little too much on fashion. Not things to throw away, but I like clothes and I try to buy better quality (not brands - I couldn't care less). I need to work on that, though and reduce my spending in that area.
Cell phones and cell phone plans. 250-300 a month is crazy to me. To me if you don't work in a job that needs technology, I don't need a phone that costs a grand. My 150 dollar Samsung gets me by just fine.
Brilliant ❤ . No wasting money! Beauty routine face wash, trimming my old lady chin hairs 😂 gratitude, gratitude, gratitude and a smile 😊❤🎉❤ thanks Kate
The key to being happy in your career is finding those areas you are passionate about, interested in, and enjoy working in. For people who select a career because it pays a lot and because they think they can stand it, often find themselves miserable, and they also don't do their best work because they're not committed to it other than for the money. We have all met them - the doctors who are rude and don't listen, just over-prescribe a ton of pills. The lawyers who talked us into having extra things drawn up we didn't really need. The insurance company rep that sold us a ton of insurance because he scared the crap out of us telling us that if we didn't buy all this insurance we would be hit by a tornado. The money mongers usually make a ton of money, as money is their god. Passion and interest in your selected career is more important than money. And when you get to retirement age, you may have no interest in retiring.
I agree with not spending lots of money on skin care. There are a lot of good products out there that don't cost a lot. I'm 61 and I still have a basic skin care regimen. I use a mild face wash, once a week facial scrub, a moisturizer and sun screen. All the products are under $25 dollars. It takes over 4 months before I have to buy anything new.
Well, I passed this one. I'm 70+ and don't spend my money on any of those things...but I'm not rich - but not poor either. I do buy anything that I need, whenever I want to. My definition of 'need' must fit one of two criteria, though. It must be something that I am replacing (in other words, I've used the item until it is broken and still want to continue to use it) or the item will make my life easier (which can include organizing or something that saves time or effort). Beyond those two criteria, I rarely indulge.
Taking out student loans for the MBA was money down the drain. Didn't really advance my career. When you have student loans to pay - there really isn't much money left over to do the more fun things in life. On a positive note - I have learned to save before buying big ticket items. As for fancy face creams my skin care regimen is - don't smoke, don't drink, use sun screen. 68 and not very many wrinkles on this face!
Back in the day, I knew someone who was diy "investing" in thier fixer-upper home. Thier comment about thier gym membership was that as long as they took thier showers at the gym, the gym membership about paid for its self; yes, they cost accounting type quantified it including the gas to get there. Meanwhile they took advantage of the spa type ammendities, the swimming pool, and the other pleasures of thier gym membership as they worked hard on the diy projects. - While it is easy to go down the slip-n-slide of justifications, money and purchases are but resources which are very situationally dependent with some overall tenants.
One of the weak spots in my frugal armor is: facial care systems. I keep thinking I’m going to find THE ONE system that makes me “beautiful beyond the lot of mortal men” (to quote from CS Lewis), but never have. :). But even when I spend more on pricier products that promise rose-leaf skin, I look exactly the same. I’m come to understand that skin maintenance is more about what I eat than what I apply, but it’s still a temptation to me to get something new that promises to transform my complexion. I need to just commit to some basic products and stick with them. Thanks for the reminder.
I have ben using CeraVe facial cleanser and moisturizer for some time now. They have an AM moisturizer that has sunscreen in it and a PM that doesn't. I'm 70 and was on FaceTime with my cousin the other day and had no makeup on. When did my skin start looking so old? I think I need to start using an anti aging regimen. However, I did the same thing wen I had some makeup on and my skin didn't look bad. I'm really not sure what to do. And I find the CeraVe affordable. It's just not anti-aging and I wonder if that would make a difference. Suggestions are welcome and by the way I only use drug store brands because of the expense of going anywhere else and use coupons if can get them.
@@lynnbrown9164check out the budget dermatologist on UA-cam. She has many products listed that are available at the drugstore for fraction of the big expensive brands
Noxema! and Rose Aloe witch hazel!! and then whatever moisturizer you want. Very cheap and effective (depending on how much you spend on your moisturizer, lol!)
Great video and thoughtfulness on Warren's points. Warren's wife divorced him because he was so cheap (so she then got a large portion of the assets). It probably makes sense for couples to be in alignment and/or be flexible. I personally think alcohol and tobacco products and gambling are a waste of money, but there are things that I enjoy that others might think are wasteful. We are all welcome to our little enjoyments in life, and frugality in other areas. Thanks for your video.
I don't eat out much and I rarely used manicure and pedicure and definitely wouldn't go every two weeks. I am not buying any clothes. My money will be going into travelling. Just came back from a trip to Germany Austria London and France.
I had a savings account from the time I was 7 yr old. I got into the habit of saving. Teaching young people how money works spreads to other areas of their lives, teaches delayed gratification, planning, self control, saving for big expenses or special wants and needs, and weighing up whether an item is worth lowering a bank balance. I have never budgeted, because I am driven to save money when I get paid. And even the money that's in the current account? I watch it, and don't spend frivolously.
62 year old from the UK here. I learnt the hard way in the 80's and 90's and got into debt. Just stupid things and poor financial management. I was lucky my education was free, all the times I went to university. I was a single parent in the 2000's. I've made my own lunch and dinner for donkeys years. I worked, luckily we live by the sea, so my son spent a lot of time on the beach I took a picnic. Meals out were a treat, I saved for them, I saved for Christmas and birthdays, I learnt to sew, made do and mended. I saved for my Son's driving lessons and his first car. I retired last year, paid the house off 5 years ago. Personally, I find the quality of resturant food gross. Large companies and banks are not your friend, they are there to persuade you that you really want something and take your money. I've never smoked or done drugs. I did buy a new car in 2015. It's still going. The key to living a frugal life is not to care what other people think.
When I go to work, I am amazed by the number of new or almost new cars and trucks my co workers drive. I have never paid more than 7,000 for a vehicle, and I almost always pay in cash. Since cost to own is important to me, I prefer simple vehicles that are cheap on fuel and inexpensive to maintain. Small non turbo vehicles with manual transmissions are extremely reliable with proper preventative maintenance and routinely drive three hundred thousand miles or more without any major problems. Honda and Toyota or their offshoot brands are what I prefer. I haven't had to pay on a car loan in decades of driving over fifteen thousand miles a year.
It's so cool you determined that when you get rich, you would be one of the cool ones, instead of letting the insecure (rude is a sign of insecurity) rich people paint a picture that all rich people are like them... The vibe of your video is amazing! Great video and thanks for sharing these tips!
We always buy used cars but we really needed a truck and could not find a used affordable truck during pandemic . The used trucks with a lot of miles were about $5-7k lower than brand new at that time. We bought a new 2020 Toyota with cash that will last us forever since we take really good care of our vehicles. My used 2007 Lexus with only 130k miles on it is 17 yrs old and still going strong. 💪
I have an iPhone 14 I got two years ago (upgraded from a 7...) it started acting up...I thought Inwould have to replace it BUT I took it to a repair shop. They checked in and found Injust needed a new battery. Saved lots there!! Whew.... Kate where is your coffee ...I feel guilty drinking my tea with you...
I agree with your comments about education. I got a degree in medical laboratory science, I graduated third in my class and then chose not to use the degree and stay in my more stress free job. I regret the money I spent.
My recent h.s. grad has opted to skip college and go FT at the grocery store he's worked at almost 3 yrs now. He has a plan to work his way up the ranks to store manager one day. He's motivated and works hard, and the store recognizes his potential and supports his plan. It has taken me a beat to adjust to this plan over college for a business degree as was his original plan, but it makes a lot of sense. He's learning on the job and will likely be earning the same or even in more in 4-5 years as he would if he was a fresh college graduate. Plus, no need for a stressful job hunt! He's already started the timeline in becoming vested in their retirement plan and he's already begun saving for a house one day.
Many young people keep changing or getting multiple degrees which cost a ton of money. Then after getting those degrees they don't even go into those fields. It's money down the drain. Some will say, but that knowledge can't be taken away from me. True, but maybe you could have acquired it without that tremendous expense.
the problem is people dont think they are poor , because the have a nice car , house , or items and can pay their bills each month ....... but you are poor if you have no actual net worth ... even if you make 100k+ and have shiny things that go down in value every day , you are still more than likely poor ..... 60-80% of people cant pay an unexpected $1,000 expense ... thats poor .... so dont judge those who have less stuff or make less ... they may actually have that $1,000 you dont have
In my 20s and early 30s (I’m now in my 50s), I spent a great amount on buying my favorite perfumes. In retrospect, not only did I waste money but I probably wore too much perfume and offended others! All that money I could have saved!!! I still buy a nice fragrance, but use it sparingly and have learned just a little hint is okay, something to just uplift only me. ❤ Thank you for sharing your tips!
In general, the difference between the cool amd the flashy rich people has historically been called the difference between old and new rich. Cool or crude, honestly rich people who are comfortable with thier fiscal assets are and remain understated.
I think far too much money is spent on coffee, this week I’m not buying a single coffee but making them all at home. I love a coffee treat but at like $6 is it really worth it. 😊
Kate, Thank you for inspiring me to start my own UA-cam channel. It is a slow start, however I am enjoying it so far. Just a handful of videos so far. That you for all of your wonderful content. I always love reviewing your older videos, all the content is still relevant!
PENNI!!!!!!! YASSSSS!!!! CONGRATULATIONS on starting your channel! I'm so proud of you! It takes guts to get it out there and then there is so much learning along the way. Oh I love that you watch my older content and that the topics and ideas are still relevant. Thank you so much for watching and I'm CHEERING YOU ON! It will take a bit to get your style and a rhythm, but it's so much fun creating! What are you thinking your channel focus will be?
@@KateKaden I am a retired flight attendant and I was able to retire early and I am debt free. So a little travel, a little financial info and a little food recipes. I will probably meander and fine tune as the channel progresses. Thank you for your extra words of encouragement! You are so sweet! 💖💖💖
Keeping my skin care simple as well. I do "invest" or prioritize good quality food and eating healthy and cooking at home which keeps my Gut healthy which in return keeps my skin healthy and I have good nutrition so I do not need regular supplements. I just paid off 17,000 in 5 years and it feels great.
Tracking your spending is #1 for me ! You see where you used those hard earned $$. When you pay off the car note, save that amount you paid. You can see $$$ very quickly and can plan the next big goal.
In the past I did buy name brand skin care. Too expensive! I now use clean simple cleanser and castor oil on my face. It looks much better now. Saving a lot of money on that!
Related to your degree, I really think in some cases it’s a good idea to have an undergrad degree in psychology and then if you later decide to go back and get a masters in business that possibility is open to you. I think certain degrees might not be as useful but in general I think education is worth the investment.
Education isn't an investment unless it increases your salary or you marry a rich classmate. If you just like a subject with limited job prospects you can study on your own outside of college.
as to skin care, i wash my face with Noxema every day, and try to give myself a little facial once a week. Sometimes use astringent, but more often don’t. Use a moisturizer sometimes, and i recently found one that you only have to use every three days, which works for me, as i was constantly missing days anyway! (the Nuetrogena Water Boost Moisturizer). So I would say i spend minimally on skincare, but i have to say, at age 67 those “miracle creams” do get more and more tempting! P.S. I have been a “Noxema girl” for OVER fifty years!!! Ever since i was a teenager, soap made my skin so dry it would crack and break out, so i found what works for me and stuck with it!!!
Nah. My skincare since I was 17 is dove bar soap and whatever hand lotion we have that month. Moisturizers leave me greasy. My biggest skincare splurge is Neutrogena sunscreen, which I only use when I'm going to be outside for hours. It doesn't make my face feel sticky.
One of my relatives moved into a residence in 1957 and stayed there for 35 years. That property today is worth tens of millions of dollars. San Quentin.
This summer i wasted money on making summer fun for my seven year old. Instead of one or two special outings(bowling, trampoline park, movies) we did something weekly! Sometimes multiple times a week. So the outings became "commonplace" and pricey!!
Great video❣️To save money I drink the filtered water from the refrigerator door by the ice maker rather than buying bottled water. To me it tastes just as good and is a lot cheaper. Also I check the ingredients on health and beauty products and find that some are similar or better than the fancy expensive ones. At home hair trims, cuts or color can be risky but I think I got it at least for myself "but only after a few minor mishaps." Some things I won't skimp on are fresh produce and food. Have a wonderful day
I have a ba in english and psychology (double major, no minor)... And I've only used English (mostly to write, but to edit also)... Probably didn't need it for that... But!! Had I not had a bachelors, I would not have been able to get a house when I was 25 because it helped show the lender that I had "long-term" employment. Spoiler, I'm unemployed now. But I'm still grateful. All that to say, my useless degree wasn't completely useful, but it wasn't what I thought it wouls be...
Looking forward to this one! Your videos have literally changed my life! I've learned so much about budgeting and frugal living, and you keep it FUN!
Crystal!!!! This just made my day! THANK YOU! Proud of you!
I second that
the first money saved is to make your own coffee, lunch and dinner.... thats the most simple way to start saving💶💶💶💶💶
Absolutely!
I agree fully
I always did that and I also bought a $10 Mr Coffee pot to have at work for everyone 😊
Yep...I don't drink coffee but I do make my own at home. I am saving up to 14.00 a day just doing that. I also don't eat food that other people prepare just because of what I eat.and don't eat..I spend most of my food money on fresh produce.
It’s to the point where people who do this still cant save though. I used to be able to do this and save, but cost of living is just eating into that now. I pay for a small room in a really crappy shared house, make all my food myself, walk to work every day got rid of my car, use my dumbbells and go for walks in the park instead of gym membership, been doing this for five years to try and save to buy a house here in the UK but house prices keep going higher along with interest rates rising affecting how much you can borrow, rent bills and food costs have massively increased since coronavirus but wages are stagnant. It’s just plain old shit for people right now.
I am 25 years old, I have been disabled since birth and I live on SSI disability. the key is being content. I live on less than $1000/month and I live with my parents still due to my disability. I dont drive, still have an iPhone 7 that I bought 5 years ago, repair as much as possible before I replace. wait for things to go on sale or utilize gift cards from Christmas and birthdays to buy things I need to replace. I have zero debt. I never will unless it's a home mortgage which even that I want to avoid even if it means buying a mobile home or travel trailer to live in. I really dont care as long as it's clean, safe and in good condition. the goal is to keep costs as low as possible. drive cars until they literally stop driving (transmission or engine failure). when you have a disability all that matters is survival. I am in survival mode and as long as I am safe and decently comfortable that's all I ask for
Good girl!!!! I hate it when Dave Ramsey, Suzie Orman ect never take into account poor health or disabilities in thier finance shows!!!
@@stevemccartney5687👍
@@stevemccartney5687 He's a boy!!! His name is Nathaniel
Same here@@stevemccartney5687
Than your parents for that. Im in the same boat you are, but with two kids and no parents or siblings I pay rent every month, and other bills every other month. Eat lots of healthy foods, no processed food, and only travel for medical reasons, son has heart problem. I have about $1500 credit card debt, and car is paid off. Every year I use my tax check to pay off my credit card and it all starts again.
Former flight attendant here: rest assured, genuinely rich people are the kindest, most well mannered people. You can sense it in a heartbeat - they wait their turn, are never rude, demand nothing, and treat everyone with the utmost of respect. Fact.
Love this!
Cant say that about ultra rich (snob) and the roudy rednecks
The truly nice ones are rich in more than money (KR, for one!).
When in my 20s I did in home furniture repair. In my experience there was a huge difference between the man of the house and the lady of the house when it came to their treatment of me. They guys were more down to earth while the ladies were more demanding and restrictive. I've had crazy demands from the ladies. The guys would offer me a drink and leave me alone to do my work while the ladies would watch over me.
Find a house close to your job or a job close to your house. Spending 3 hours a day commuting is a waste of time and money.
I TOTALLY agree!
It is , but sometimes people have to move out of state to do that . I’d rather do that then try to live in New York or close to it
So expensive on emotions as well and wellbeing
YUP
I commute 3 hours a day in a company car and don’t pay for anything on it
It's not what you make, it is what you keep!
Life! I use to buy clothing, purses ,wallets to match, jewelry, items for certain functions, now here at 65 I am decluttering all those items. So sad that I wasted money on those items (yes had fun ,but) I wept going though the items, because life changes. (why do we hang on to stuff) If i could tell my younger self you do not need high heel shoes, did I have a addiction? Some of those shoes have disintegrated😪 Now I have just simply downsized my wardrobe 12 items in rotation. ugg! so mad at myself for being dumb. I could of had more money for my future. Why do we learn things to late. Get video! you will help people like me and change their future.
Karen, thank you so much for sharing with us! I KNOW IT! Decluttering is such an eye opener!
I'm sure you enjoyed it. I am turning 60 and finally enjoying to curate a wardrobe of quality not quantity. I never made good money when young until the last 10 years.
Agree 1,000% ! I’m 58 and downsizing now. I have so much jewelry that I don’t wear anymore. Even a zillion hair bands and such. Ugh ! Don’t need it anymore
Someone here on UA-cam, in the comments on another decluttering video said something like the sad thing is all this stuff used to be money! I started decluttering a couple of years ago and I go back and pick more things to get rid of all the time. I'm selling a lot, if I can make $5-10 instead of goodwill making money, I'll sell it. It adds up quickly. I've got lots of jewelry, most costume jewelry, I'm selling it all. Yes, it's an addiction. I stopped shopping too about 3 years ago. My house feels larger, I have a mountain of empty storage containers, I'm not buying anything other than to replace what I run out of, toothpaste, detergent, deodorant etc. I still have a long way to go, but I thought to myself, if I drop dead tomorrow, my daughter will have to deal with my stuff and I don't want to put her in that situation. I'm 60 now and I wish I would have learned about this sooner and being able to communicate with other people here on UA-cam is amazing. Lots of people in this situation. Yes, I feel very stupid for allowing myself to get into this overwhelming situation but there's nothing I can do about the past, I forgive myself and I'm working hard to get to a sustainable life. I'm also working on paying off all my credit cards and I'm closing the accounts afterwards. Very liberating.
@@1whitecottagelife770I’m 60 too and I know what you’re talking about, LOL!
Quitting booze,
not eating out and only drinking water and coffee saves me a lot!
Don't even need to watch, after supervising entry level employees for years...
1. Coffee
2. Tattoos
3. Nails
4. Cell phones
5. Car modifications
6. Keeping up with fashion
7. Going to college but majoring in something that does not result in a viable career
8. Eating at restaurants frequently, especially if you buy alcohol
9. Installment/credit card debt
10. Concerts
New cars when you already have something that works
Gym memberships you don’t use enough
Subscription services
Expensive or excessive skin care products
Gambling including regularly purchasing lottery tickets
Smoking
Payday or similarly outrageous loans
@kpk33x You know your employees well! You should put this in a one page handout for your employees. You would be doing them a great favor. You have pretty much summed up the spending habits of the millennial & Gen X generation. The only thing I saw you missed was spending a lot of money on their hair. Coloring & cuts. Again awesome list.
I make close to 100k. Live in a very nice apartment (rent is more than I like, but it’s a decision I made). There’s a fancy coffee shop in the lobby and it’s $6 (plus a freaking tip of course) in the lobby. I ran out of pods and broke down and bought the coffee and literally was pissed about it for hours 😂 I’ve never understood how you can make $16 an hour and have a suped up charger, LV purse and a venti Starbucks every day.
@@bonniekerr6890 HR would not be happy. They would see it as condescending. It was funny though as several drove around in newer cars they were leasing while I had the 7 year old car with the big dent I never fixed
The biggest area where I waste money is on convenience food. I broke the going out to lunch habit a while ago and pack every day. After a long, draining day at work I'm generally not in the mood to cook dinner when it's just me at home during the week. I try to reduce that by making larger meals on the weekends so there is leftovers.
YASSS!
Once you get into the habit of cooking larger meals at home to eat throughout the week you will not even consider that nasty fast food. You will be healthier and have more money !!!
Most things can be frozen in serving size containers so you’re not eating the same thing all week, just freeze for another time. After a few weeks you have a nice selection of freezer meals to choose from and just keep rotating through them. It makes packing your lunch easy too, just grab a frozen meal for lunch and put one in the refrigerator for supper, the lunch one is thawed by lunch time and the supper one is thawed when you get home, just heat them up !
There are UA-cam channels about prepping meals and freezing meals, they are time savers !
Good luck on your journey!
I have wasted far too much money on clothes in the past. I don't do that now. I gave up smoking over thirty years ago. The money I have saved from that would be incredible. But mostly happy for the health benefits!😊
Junk food. Cigarettes. Takeaway coffees. Cafe meals. Alcohol. The list goes on.
YASSS!
Overpriced clothes and perfume, vacations
Lottery tickets.
Going to the casino.
As I watch other poor people blow their money on tattoos, buying concert tickets,traveling to high priced attractions such as Disneyland. Always getting into trouble,now need to pay heavy fines and lawyer fees. Having to have that motorcycle, off road vehicle,RV,etc.The biggest one is divorces. Why are you on your 3rd divorce? Some people never learn from their mistakes.
But... it is easy to speak about other people, not looking to your own issues. :)
@GokuTributeZ No issues here. I just looked back after my life here on earth at 72.
@@GokuTributeZNot everyone is poor and irresponsible
Bingo. Then throw in a bunch of special needs kids that need 24/7 assistance.
Not everyone with tattoos are poor. If you’re cool you get tattoos for cheap
Being fulfilled, kind, quiet, and humble is 100% class. Keep being classy K-Queen.
I used to spend lots of money on skin care products and none of them were any better than drugstore brands. I couldn’t ever tell any difference in my skin. A few years ago I picked a reasonably priced brand and use a few basic products. I’ve stuck with it and saved a ton.
YASSS!
Me too, 😢
@@marep5597 Skin care companies know women are suckers for a so called miracle product! I buy one tube of prescription retin A and that lasts me years! Only thing that really works! And a good sunscreen!
Yes, I've stopped "treating" myself to expensive moisturizers which never made my skin look any better, and gone back to buying day and night cream from my local supermarket for under €2 a pot
Twenty years (or so) ago I started getting monthly facials with an incredibly talented and mindful women. Throughout the years she went from $30-50 per month. All so well worth it. The only reason I don't go now is because I moved to another state. One of her best tips was how these companies were making money on women and to search around drug stores testing brands. Since I travel to Europe (at least twice a year) I have found many pharmacy brands that have been very good on my skin and effective.
We quit going out to eat more than once a month. We have saved so much money by doing this and preparing our own food. So many good things have come from this.
Eating out is sooo expensive! It really does add up. In my early 30's I was spending $1000 a month on food. And it was just me.
@tinascott1479 I now bypass the fast food places and head to the grocery store and buy what we really want. A nice salad,lunch meat,cheese,rye bread,something from their bakery for a great lunch for several days for the same price as a couple burgers and fries.
People don’t realize how much they spend on going out to eat or Uber eats etc . Great job !
Don't spend money at work. Best tip I got when entering workforce. All the home party sale booklets, etc. Buy candy from my kid, cookies popcorn, etc. Lunches! That daily lunch group trap.
My friend moved to rural North Carolina ten years ago. No one there is rich but everyone gets by because they hunt enough during deer season to feed their families the rest of the year. Everyone helps everyone else. My friend keeps an emergency pantry and uses it mostly to help neighbors who have fallen on hard times because of illness or accident. People of different races share the same values (most are former military) so it all works out.
Multiple pets. Clothes and toys for pets. Daycare for pets. Unnecessary trips to vet by anxious pet owners. Fences and systems to keep pets in yard. Dog walkers. Pet sitters and kennel fees. Damage to furnitue and flooring. I love my dog because she is LOW maintenance.
If you are grumbling about the grocery bill, you can't afford a pet.
I humbly disagree on the final point. I can afford the pet(s) and our grocery bill, but I'm still gonna grumble about the grocery bill because of how much it's gone up, so quickly!
You only love your dog because she doesn't cost you much? What if that changes? Is she history?
In my case, it's grocery shopping on an empty stomach...I spend too much on junk that's not healthy to eat!
everything looks so delicious on an empty stomach
For most situations, buying anything for the sake of others’ approval or admiration is a waste of money. Live life for YOU!
My daughter started out as a lowly social worker in a big center. It was ok but they wouldn't let her work part time when she had a baby. Fast forward nine years... she owns her own counseling business and has THREE locations! She makes a ton of money and has lots of "employees" who love her. Now she can work anytime she wants too!
I wasted so much money on makeup circa 2017-2019 (the OG UA-cam makeup Guru glory days). I ended up selling most of it or gifting it after I realised I only had one face and two eyeballs so I was never going to use up 15 eyeshadow palette's in one lifetime let alone before they expired in 18 months time. I started keeping track of what I used up and noticed how long it would take to use up a single product (hint: it's longer than you think). Valuable lessons can come after mistakes (especially financial ones) if you are willing to examine what you are doing and change to better yourself which enables lasting change.
YASS! Thanks Cherie!
Y’all - please don’t waste money on so called luxury goods, handbags etc, it’s so not worth it and just keeps you poor! I learned this lesson! Now I invest this 💰 and let it grow.
I spent 1200 10 years ago on a designer bag. Here I am still using the same bag. It's made extremely well and most bags people but are upward of 300. I've come out way better.
Luxury items are even top quality anymore. I was checking out purses on Saks website and they wanted hundreds. some even thousands, for purses that were vegan leather, which is just PLASTIC!
Glad it click, people worth more then lv and gucci
I just bought a purse for my birthday. It was 30.00. it's really nice and who can tell it's not a designer bag. Most bags aren't even made out of leather anymore. I have no credit card debt so I'm richer than most people.
I became a doctor, I decided at 18 and ended up liking it so actually stayed. It pays quite well. I have avoided credit card debt, and am also a health freak so I don't drink or smoke. But when i was a stupid student, I used to spend tons on going out drinking, buying rubbish fast fashion, hundreds of shoes and other crap. Now I live close to minimalist lifestyle and am so much happier without all the clutter and opening my wardrobe and actually being able to see everything in there.
Cooking saving tip:
I make double what we need and immediately freeze 1 serving increments of the meal for nights that are too busy for my to cook so we eat healthier and cheaper even when we don’t have time to cook.
I use freezer bags so that I can flatter the food (obviously some came be flat) for easier storage AND faster thawing
Years ago, I read either a biography or autobiography about Warren Buffet. What stuck in my mind were two things: 1) He bought adequate for longevity such as his vehicles and house. Buffet sometimes spent what was a reasonable chunk of money at the time of purchase to buy quality without a lot of features nor flash. Then he expected that asset to last a good 20 years without second thought of replacement. 20 years is a magic duration in the accounting/ financial world but he extended the concept beyond real estate right down to the can opener and toaster; things were built better back then. 2) Before the term "complete use" had become a management style buzz word, Buffet had even top dollar employees picking up and reusing paper clips off the floor, feeding paper back through the printer to print on the back side of paper when possible, and a number of other frugalities. Being the guy that he was, Buffet did cost account the savings to the company.
I wish things were made to last. Fridge - less than one year. Dishwasher-less than two. They weren’t the most expensive but not the cheapest. I don’t have a dime to repair or replace 😢
I would say drive through eateries, coffee houses are two things that I haven’t done in a very long time. If I have errands to run, I bring coffee, snacks or a lunch with me. It’s healthier and the cost is much less. I also color my own hair which saves me $70-$80 each time. Streaming subscriptions are next on the list of things to evaluate. Thank you for sharing the information.
I'm very grateful to have gotten an education debt free that put me in a career that earned a living, that I loved. However I blew it eating out all the time. As my mom would say, "If you can't be an example, be a warning." No more.
Divorce is financially devastating.
It really is.
Depends. My divorce cost a whopping $120 to file, $45 for a mediator, $70 for the mandatory "divorce and parenting" class. We split the cost of everything.
@@regina68139 It may be cheap, if you have nothing to lose.......................
@regina68139 But you automatically go from two incomes to one, and often have bills remaining from the marriage that need to be paid off. Your statement only works for a wealthy person.
@@tinac945 Not true. My divorce cost me $0. I told my ex, you want a divorce, you pay for it. When I moved out I got to keep all the money I used to pay our bills with, it was more than enough, especially since I was way more frugal than my ex.
We were wasting a large amount of $$ on eating out. Started sticking to our budget & no turning back 😊❤😊
YASSS CAT! You've got this!
6 years Army National Guard, changed my MOS twice as my training increased and made grade. I used my "free training" and experience to obtain employment as firefighter/paramedic, upon my separation. 34 years later, I will retire next year. I believe that military service instilled in me discipline, responsibility, and accountability. Warren Buffet, Suze Orman, and Gail Vaz-Oxlade taught anyone who will listen, how to save $$, and live a debt free life. Nice review.
@johnharbaugh9471 Joining the Marines was the best thing to happen to me and being sent to the toughest boot camp of all the services,Paris Island. It instilled in me of turning I can't into I can. Returning to the work force after and now faced with strikes,layoffs,plant closings. All now with a wife and 2 kids to support. I made it with a strong woman by my side. Oh,their were times of great depression and sadness. At 72 now, I can say I made it through all of that.
I’ve always purchased new and kept for well over ten years. My last new BMW, lasted me 15.5 years and I sold for a good amount. 🎉
I have always bought my cars new. I pay cash and then keep them for 20 years. I don't think this is cheaper, but it does mean I don't have to buy cars very often which is the the worst. I'd rather have a root canal than buy a car.
I grew up poor and the neighborhood I grew up in was not exactly wealthy either--very blue-collar working class. One of the observations I've made about what poor people waste money on is 1) some of the goods they purchase. If you're poor, you have no business wasting money on drugs, cigarettes, alcoholic beverages when there isn't any real food in your home. 2) spending money on things you think will make you look like you're well off that you can't really afford just to keep up with the Jones. 3) they give no thought to savings--even if it's just a handful of change you throw in a jar. You don't invest in yourself or your future. I know I sound like I'm an awful tightwad but by the time I retire at 67 in a few years, my house will be paid for, I have quite a bit in savings and investments that will carry me from social security to the grave--comfortably. I did this by not wasting money, budgeting, using credit cards only in dire emergencies and paying myself first.
I was a shopaholic, whenever I wanted something I just bought it, now I am trying to declutter my condo of all the stuff that I have bought over the years. I got a lot of pleasure from retail therapy and it has been hard for me to stop shopping, but I am trying to fix this addiction, and save more money!!
Thank you I needed a motivational boost. Life is EXPENSIVE and I need to work on not letting my emotions let me spend unnecessarily on junk food and online shopping.
Thank you Liz!
When you were talking about gambling I instantly thought about lottery tickets. That world preys on the poor persons dream of falling into a better life. My grandparents were very poor and my grandma would waste all their spare cash on the lottery and never came out ahead.
Hi Sara, thank you so much for sharing!!! Yes, they reel you in!
My mom used to work at a place that sold lottery tickets, lotto tickets, and stuff like that. She has always said that those who win are those who have played so much, they actually spent more than they won. And they would then waste those money in more gambling
We occasionally buy a few scratch offs. It’s fun. We don’t eat at fast food so we use that money on some lotto. It can’t hurt my health like fast food can 😏
Not me seeing this comment after playing a line😂
I'll buy one every couple of months. It's my cheap entertainment and I'll get a hamburger out which is not often. I save most of the time.
I remember talking to a young lady at a bar who had an unexpected $200. She was debating over whether she should get another tattoo or buy some coke....and I don't mean Coca-Cola.
Thanks! This is definitely a great list that should be taught in schools, around Eighth grade., then reiterated, Senior year of high school. So many start out making poor decisions at 18. Teach it at home to your kids and grandchildren! Money and investments were never spoken about in my family or anyone I knew. Time we all know the truth! Keep up the wise information! You are helping so many people around the world. ❤
I used to go to the cinema a lot, but now it's really not worth it anymore. A film is on DVD 3 months after it has been removed from the cinema.
Credit cards
Hi Kate, hugs to Kaden! I don't use moisturizer or make up. I bought my car in 2020, it's paid for, and I have a sinking fund for my next one. I don't smoke, rarely drink, But... I do buy a ticket to the lottery every week. It allows me to spend a lot of time on night shifts planning how i would manage 33 million. It's cheap entertainment.
YASSSSS Sue!!!!
Sinking fund for the next car; great idea
I use very cheap moisturiser
Awesome !
My husband does the sinking fund and never has had to take out a loan for a car
I worked in the high roller buffet at a casino for a bit over 2 years before the shutdown. To get in this room they were spending 100k a year. I had guests that worked 3 jobs and lived on social security to gamble, I had guests that used us for the prepared meals in place of assisted living, and I had a few guests that had rules in place for themselves and they started with x amount when they came in and they could gamble the winnings if they wanted. But when they hit 0 they were done. They would come eat and go home.... and they didn't allow themselves 2 days in a row. So many of them were always feeling behind. It was a very up and down cycle, and please, pretty please, if you want to gamble, set boundaries and don't do it regularly. Or better yet, gamble on dividend paying stocks, they pay out regularly!
I’ve always called gambling the Idiot Tax.
As someone who bought a new car in 2012 and owned used cars previously I gladly pay the full depreciation in exchange for not having to replace vehicles more frequently. I got about 5 yrs out of the used cars I had and if that held true I would have had to buy used in 2012, 2017, and 2022. Assuming 5k per car (probably not realistic for 2022) that is slightly under what I paid for my new car with the added risk of who knows how well any of the previous owners maintained the cars. Bonus points for letting me avoid car shopping and car sales people twice and counting. If you intend to keep a car till it dies new might be worth considering.
I purchased a 2003 Toyota (certified used) and it was still running 15 years later and had no major issues with 200,000+ miles (The vehicle was given to someone.)
The key is to buy a certified used vehicle that is certified from the manufacturer, making sure it has had only one owner and no accidents or issued before you purchase it.
Buying new does not guarantee longevity. I know plenty of people that had brand new cars that purchased them after I got mine and their vehicles didn't last past the one I had.
Glad to hear that , have buyers remorse kinda with the 2024 Toyota i bought..1st New car at 59 years old & 40 years of working full time . Hope it outlives me
When you’re in high school, they usually have guidance consolers that can help give work direction.
Don’t fret spending money going out, as long as it wasn’t putting you in debt. It is okay to live now and then.
New cars are fine, if you can afford one and you drive it till it dies. My dad bought a new car and drove it for 37 years. I have a 25 year old vehicle myself. Trading them in every other year is where you loose money.
Budgeting to go out is a great idea. If you gamble, only budget what you can afford to loose.
Great vid 👍🏻👍🏻 🙂
I am recovering from a shopping addiction. I liked to overspend on skincare and makeup products. But I realized that it was due to low self esteem and buying for my “Fantasy Self.” I have wasted thousands of dollars over the years. But now that I realize what I am doing, I can make a conscious effort to change my spending habits.
Hi. Thank you for the video. For me, I refuse to buy water and instead have a Zero Water pitcher that filters it. I also refuse to buy coffee, and I make it in either a French press or a drip machine. Five years ago, I returned to the small Illinois town where I went to college (the first time) because I knew I could get a cheap but liveable apartment there. I also buy clothes at thrift stores or eBay. My "vice" is I like to go to the Chinese buffet about once or twice a month and I love to have breakfast out. There are two good buffets near here that charge about $11.00, and the college dorm that is within walking distance lets non-students eat there for about $9.00 and you don't have to tip anybody. Don't laugh! It's really good!
I'm 70 years old. I use Retin A, multiple peptides, vitamin C, niacinamide, and expensive Korean sunscreen (I'm allergic to American sunscreens). BUT I use lesser-known brands (Cos de Baha, CosRx, CeraVe, etc.) That way, I get a high-powered skin care regimen at less-than-drugstore prices. When you're young, you don't think it's a big deal - when you're my age it's a big deal. My STRONGEST recommendation: wear sunscreen religiously - even when you're not going outside. The sunscreen helps to protect against the damage that blue light from computer screens inflicts. Start using retinols ASAP and graduate to Retin A at menopause. Your skin is the largest organ in the body. To stay healthy and fit you need to take care of it. Also, taking care of your skin can take ten to twenty years off your apparent age. Again, no big deal for you, but a very big deal for me!
If only I could find a cheap retinol and spf that didn't make me break out 😭
I agree. I am frugal as well but I do spend on skincare; not a lot because I am smart with my finances, but I do make sure I moisturize and wear sunscreen as part of my regimen. Also everyone has different skincare needs. I think more people should spend on what is really important to them and one can still be frugal while doing this.
disagree. Im not against a natural sunscreen but so many of the big brands have toxins in them that absorb into your skin. You might be doing more harm than good. The whole sun causes skin cancer is true for the easy to treat cancer but melenoma is not caused by the sun.
@@Loretta_C We are in total agreement! My adult son is completely uninterested in my frugal tips, because he associates it with deprivation and poverty. I, OTOH, think it's the best way to beat the retailers at their own game and get bougie on a budget!
Interested in the korean sun screen? I have multiple chemical sensitivities so I can’t/don’t use it 🤷♀️
I used to have a roommate who was very poor. He did almost all these things- smoked, gambled, ate out, had personal loans. These practices will make you poor...I do think buying a brand new car can be a good choice but it can also break the bank too.
If I’m ever rich I won’t forget to be humble. Warren Buffett seems like the ultimate cool rich guy.
Buying take out coffee is a waste of money, so are high end skin care products. A few years ago I discovered Ponds cold cream, moisturizer and Thayer witch hazel…best skin routine ever and also the most affordable. Boutique lines prey on women’s insecurities- that somehow if one doesn’t spend a fortune, one is being shortchanged.
Love this Maggie!
@@KateKaden thanks Kate! Love your channel
i use Thayer’s too, have for about 8 years now-love it!!! i use the rose one; which kind do you use?
If Ponds is good enough for Paulina Porizkova, it's good enough for me.
Know what I reflect on…how a relationship wasted years and money. Example: I pay the debts they enjoyed (credit cards) and instead of them helping they left debt free. Or instead of fixing their car-sell a PIF car and they lease. I don’t get it. It’s a major divorce factor. No more relationships for me
Omg YASSS Gert!!!!
Just choose more wisely next time. Don’t let one bad experience rob you of future joy.
Throwing away cracker or cereal bags. Repurpose into paper between burger patties . Large thick food grade bags with zip top- repurpose to marinade meat.
Definitely skin care and hair products! I made a promise to myself that I won’t buy anything new until I use up what I have.
I would add furniture to that list! I'm searching marketplace for a gently used sofa, and it's crazy how many people bought sofas for many thousands of dollars only to sell them on marketplace for 1000 or less. Their loss, my gain I suppose!
🤫🎯
Eating out at work ❤
I have cut things that I do not care about and spend lavishly on the things that I do care about. Over-tipping is something that I am doing now days.
I spend a little too much on fashion. Not things to throw away, but I like clothes and I try to buy better quality (not brands - I couldn't care less). I need to work on that, though and reduce my spending in that area.
Cell phones and cell phone plans. 250-300 a month is crazy to me. To me if you don't work in a job that needs technology, I don't need a phone that costs a grand. My 150 dollar Samsung gets me by just fine.
Brilliant ❤ . No wasting money! Beauty routine face wash, trimming my old lady chin hairs 😂 gratitude, gratitude, gratitude and a smile 😊❤🎉❤ thanks Kate
💖
The key to being happy in your career is finding those areas you are passionate about, interested in, and enjoy working in. For people who select a career because it pays a lot and because they think they can stand it, often find themselves miserable, and they also don't do their best work because they're not committed to it other than for the money. We have all met them - the doctors who are rude and don't listen, just over-prescribe a ton of pills. The lawyers who talked us into having extra things drawn up we didn't really need. The insurance company rep that sold us a ton of insurance because he scared the crap out of us telling us that if we didn't buy all this insurance we would be hit by a tornado. The money mongers usually make a ton of money, as money is their god. Passion and interest in your selected career is more important than money. And when you get to retirement age, you may have no interest in retiring.
I agree with not spending lots of money on skin care. There are a lot of good products out there that don't cost a lot. I'm 61 and I still have a basic skin care regimen. I use a mild face wash, once a week facial scrub, a moisturizer and sun screen. All the products are under $25 dollars. It takes over 4 months before I have to buy anything new.
Well, I passed this one. I'm 70+ and don't spend my money on any of those things...but I'm not rich - but not poor either. I do buy anything that I need, whenever I want to. My definition of 'need' must fit one of two criteria, though. It must be something that I am replacing (in other words, I've used the item until it is broken and still want to continue to use it) or the item will make my life easier (which can include organizing or something that saves time or effort). Beyond those two criteria, I rarely indulge.
Lottery
The latest trends
Trying to appear rich
Eating out all the time
Daily coffee out.
Junk food
Processed food.
Living well above your means
Taking out student loans for the MBA was money down the drain. Didn't really advance my career. When you have student loans to pay - there really isn't much money left over to do the more fun things in life. On a positive note - I have learned to save before buying big ticket items. As for fancy face creams my skin care regimen is - don't smoke, don't drink, use sun screen. 68 and not very many wrinkles on this face!
Back in the day, I knew someone who was diy "investing" in thier fixer-upper home. Thier comment about thier gym membership was that as long as they took thier showers at the gym, the gym membership about paid for its self; yes, they cost accounting type quantified it including the gas to get there. Meanwhile they took advantage of the spa type ammendities, the swimming pool, and the other pleasures of thier gym membership as they worked hard on the diy projects. - While it is easy to go down the slip-n-slide of justifications, money and purchases are but resources which are very situationally dependent with some overall tenants.
One of the weak spots in my frugal armor is: facial care systems. I keep thinking I’m going to find THE ONE system that makes me “beautiful beyond the lot of mortal men” (to quote from CS Lewis), but never have. :). But even when I spend more on pricier products that promise rose-leaf skin, I look exactly the same. I’m come to understand that skin maintenance is more about what I eat than what I apply, but it’s still a temptation to me to get something new that promises to transform my complexion. I need to just commit to some basic products and stick with them. Thanks for the reminder.
I have ben using CeraVe facial cleanser and moisturizer for some time now. They have an AM moisturizer that has sunscreen in it and a PM that doesn't. I'm 70 and was on FaceTime with my cousin the other day and had no makeup on. When did my skin start looking so old? I think I need to start using an anti aging regimen. However, I did the same thing wen I had some makeup on and my skin didn't look bad. I'm really not sure what to do. And I find the CeraVe affordable. It's just not anti-aging and I wonder if that would make a difference. Suggestions are welcome and by the way I only use drug store brands because of the expense of going anywhere else and use coupons if can get them.
Coconut oil for your face at night. It’s fabulous and natural and cheap ! Especially comparing to fancy lotions
We are all more beautiful than we think we are ❤
@@lynnbrown9164check out the budget dermatologist on UA-cam. She has many products listed that are available at the drugstore for fraction of the big expensive brands
Noxema! and Rose Aloe witch hazel!! and then whatever moisturizer you want. Very cheap and effective (depending on how much you spend on your moisturizer, lol!)
Going out to eat all the time! It’s definitely fun going to restaurants, but if you do it a lot it just seems like a big waste of money to me.
Great video and thoughtfulness on Warren's points. Warren's wife divorced him because he was so cheap (so she then got a large portion of the assets). It probably makes sense for couples to be in alignment and/or be flexible. I personally think alcohol and tobacco products and gambling are a waste of money, but there are things that I enjoy that others might think are wasteful. We are all welcome to our little enjoyments in life, and frugality in other areas. Thanks for your video.
I don't eat out much and I rarely used manicure and pedicure and definitely wouldn't go every two weeks. I am not buying any clothes. My money will be going into travelling. Just came back from a trip to Germany Austria London and France.
I had a savings account from the time I was 7 yr old. I got into the habit of saving. Teaching young people how money works spreads to other areas of their lives, teaches delayed gratification, planning, self control, saving for big expenses or special wants and needs, and weighing up whether an item is worth lowering a bank balance.
I have never budgeted, because I am driven to save money when I get paid. And even the money that's in the current account? I watch it, and don't spend frivolously.
62 year old from the UK here. I learnt the hard way in the 80's and 90's and got into debt. Just stupid things and poor financial management. I was lucky my education was free, all the times I went to university. I was a single parent in the 2000's. I've made my own lunch and dinner for donkeys years. I worked, luckily we live by the sea, so my son spent a lot of time on the beach I took a picnic. Meals out were a treat, I saved for them, I saved for Christmas and birthdays, I learnt to sew, made do and mended. I saved for my Son's driving lessons and his first car. I retired last year, paid the house off 5 years ago. Personally, I find the quality of resturant food gross. Large companies and banks are not your friend, they are there to persuade you that you really want something and take your money. I've never smoked or done drugs. I did buy a new car in 2015. It's still going. The key to living a frugal life is not to care what other people think.
I also think a lot of restaurant food is poor. Sometimes barely edible.
Not caring what other people think 👍👍👍
When I go to work, I am amazed by the number of new or almost new cars and trucks my co workers drive. I have never paid more than 7,000 for a vehicle, and I almost always pay in cash. Since cost to own is important to me, I prefer simple vehicles that are cheap on fuel and inexpensive to maintain. Small non turbo vehicles with manual transmissions are extremely reliable with proper preventative maintenance and routinely drive three hundred thousand miles or more without any major problems. Honda and Toyota or their offshoot brands are what I prefer. I haven't had to pay on a car loan in decades of driving over fifteen thousand miles a year.
It's so cool you determined that when you get rich, you would be one of the cool ones, instead of letting the insecure (rude is a sign of insecurity) rich people paint a picture that all rich people are like them... The vibe of your video is amazing! Great video and thanks for sharing these tips!
Thank you so much Chris!
junk food and buying lunch everyday from work when i can pack my own lunch.
We always buy used cars but we really needed a truck and could not find a used affordable truck during pandemic . The used trucks with a lot of miles were about $5-7k lower than brand new at that time. We bought a new 2020 Toyota with cash that will last us forever since we take really good care of our vehicles. My used 2007 Lexus with only 130k miles on it is 17 yrs old and still going strong. 💪
U can not get better than TOYOTA….. a FACT .
Toyotas are quality
My Husband Totaled Our 2007 Lexus in May. It Had Over 250K miles on it & Never needed a single thing.
I Also Paid Cash for MY 2018 Toyota Tundra.
It Will last me Forever,
but she is a Thirsty Girl!
I have an iPhone 14 I got two years ago (upgraded from a 7...) it started acting up...I thought Inwould have to replace it BUT I took it to a repair shop. They checked in and found Injust needed a new battery. Saved lots there!! Whew.... Kate where is your coffee ...I feel guilty drinking my tea with you...
My iPhone 8 can no longer be charged the plug in way. I bought a few flat chargers. Even a stand up flat charger. Works great !
I have a 5 year old Samsung that I paid $125 for.
I have an IPhone 14, bought it for fifty something dollars, it works well
I agree with your comments about education. I got a degree in medical laboratory science, I graduated third in my class and then chose not to use the degree and stay in my more stress free job. I regret the money I spent.
My recent h.s. grad has opted to skip college and go FT at the grocery store he's worked at almost 3 yrs now. He has a plan to work his way up the ranks to store manager one day. He's motivated and works hard, and the store recognizes his potential and supports his plan. It has taken me a beat to adjust to this plan over college for a business degree as was his original plan, but it makes a lot of sense. He's learning on the job and will likely be earning the same or even in more in 4-5 years as he would if he was a fresh college graduate. Plus, no need for a stressful job hunt! He's already started the timeline in becoming vested in their retirement plan and he's already begun saving for a house one day.
Many young people keep changing or getting multiple degrees which cost a ton of money. Then after getting those degrees they don't even go into those fields. It's money down the drain. Some will say, but that knowledge can't be taken away from me. True, but maybe you could have acquired it without that tremendous expense.
the problem is people dont think they are poor , because the have a nice car , house , or items and can pay their bills each month ....... but you are poor if you have no actual net worth ... even if you make 100k+ and have shiny things that go down in value every day , you are still more than likely poor ..... 60-80% of people cant pay an unexpected $1,000 expense ... thats poor .... so dont judge those who have less stuff or make less ... they may actually have that $1,000 you dont have
In my 20s and early 30s (I’m now in my 50s), I spent a great amount on buying my favorite perfumes. In retrospect, not only did I waste money but I probably wore too much perfume and offended others! All that money I could have saved!!! I still buy a nice fragrance, but use it sparingly and have learned just a little hint is okay, something to just uplift only me. ❤
Thank you for sharing your tips!
In general, the difference between the cool amd the flashy rich people has historically been called the difference between old and new rich. Cool or crude, honestly rich people who are comfortable with thier fiscal assets are and remain understated.
I think far too much money is spent on coffee, this week I’m not buying a single coffee but making them all at home. I love a coffee treat but at like $6 is it really worth it. 😊
Kate, Thank you for inspiring me to start my own UA-cam channel. It is a slow start, however I am enjoying it so far. Just a handful of videos so far. That you for all of your wonderful content. I always love reviewing your older videos, all the content is still relevant!
PENNI!!!!!!! YASSSSS!!!! CONGRATULATIONS on starting your channel! I'm so proud of you! It takes guts to get it out there and then there is so much learning along the way. Oh I love that you watch my older content and that the topics and ideas are still relevant. Thank you so much for watching and I'm CHEERING YOU ON! It will take a bit to get your style and a rhythm, but it's so much fun creating! What are you thinking your channel focus will be?
@@KateKaden I am a retired flight attendant and I was able to retire early and I am debt free. So a little travel, a little financial info and a little food recipes. I will probably meander and fine tune as the channel progresses. Thank you for your extra words of encouragement! You are so sweet! 💖💖💖
When the Lottery pot goes super high the entire office buys one single ticket to share 😂😂
Thank you! ❤
I have not watched your videos in forever. I have always loved your tips and I'm going to be catching up on all of the videos that I have missed
So happy to see you!!!!!! How are you!!??
I love Warren Buffett!! ❤️
Keeping my skin care simple as well. I do "invest" or prioritize good quality food and eating healthy and cooking at home which keeps my Gut healthy which in return keeps my skin healthy and I have good nutrition so I do not need regular supplements.
I just paid off 17,000 in 5 years and it feels great.
Tracking your spending is #1 for me ! You see where you used those hard earned $$. When you pay off the car note, save that amount you paid. You can see $$$ very quickly and can plan the next big goal.
YASSS!
Awesome video! I always read articles on Warren Buffet, love to hear your take on those!
I found that article and I printed it out. I love reading it.
In the past I did buy name brand skin care. Too expensive! I now use clean simple cleanser and castor oil on my face. It looks much better now. Saving a lot of money on that!
Related to your degree, I really think in some cases it’s a good idea to have an undergrad degree in psychology and then if you later decide to go back and get a masters in business that possibility is open to you. I think certain degrees might not be as useful but in general I think education is worth the investment.
It depends on the person. Contrary to popular belief, school isn’t for everyone.
Education is worth the investment; it may not be quick as we want it but it pays back very well.
Psychology is ok. A company will hire a psych grad in HR. Get that job, then have company's tuition benefits pay/help pay for the masters.
Education isn't an investment unless it increases your salary or you marry a rich classmate. If you just like a subject with limited job prospects you can study on your own outside of college.
Just subscribed! To learn more ! 💵 😊
Thanks for subbing! So glad you're here!
as to skin care, i wash my face with Noxema every day, and try to give myself a little facial once a week. Sometimes use astringent, but more often don’t. Use a moisturizer sometimes, and i recently found one that you only have to use every three days, which works for me, as i was constantly missing days anyway! (the Nuetrogena Water Boost Moisturizer). So I would say i spend minimally on skincare, but i have to say, at age 67 those “miracle creams” do get more and more tempting!
P.S. I have been a “Noxema girl” for OVER fifty years!!! Ever since i was a teenager, soap made my skin so dry it would crack and break out, so i found what works for me and stuck with it!!!
Nah. My skincare since I was 17 is dove bar soap and whatever hand lotion we have that month. Moisturizers leave me greasy. My biggest skincare splurge is Neutrogena sunscreen, which I only use when I'm going to be outside for hours. It doesn't make my face feel sticky.
One of my relatives moved into a residence in 1957 and stayed there for 35 years. That property today is worth tens of millions of dollars. San Quentin.
This summer i wasted money on making summer fun for my seven year old.
Instead of one or two special outings(bowling, trampoline park, movies) we did something weekly! Sometimes multiple times a week.
So the outings became "commonplace" and pricey!!
Sounds so fun!!!!!
Sounds like you made some great memories ❤
Great video❣️To save money I drink the filtered water from the refrigerator door by the ice maker rather than buying bottled water. To me it tastes just as good and is a lot cheaper. Also I check the ingredients on health and beauty products and find that some are similar or better than the fancy expensive ones. At home hair trims, cuts or color can be risky but I think I got it at least for myself "but only after a few minor mishaps."
Some things I won't skimp on are fresh produce and food. Have a wonderful day
I have a ba in english and psychology (double major, no minor)... And I've only used English (mostly to write, but to edit also)... Probably didn't need it for that... But!! Had I not had a bachelors, I would not have been able to get a house when I was 25 because it helped show the lender that I had "long-term" employment.
Spoiler, I'm unemployed now. But I'm still grateful.
All that to say, my useless degree wasn't completely useful, but it wasn't what I thought it wouls be...
Great tips. 😊
That is one agreement of a little book called the four agreements: Always do your best..👍🙂
Great advice! Thanks!
Hi Martha! Happy Friday! Thanks for being here!