Lowering My Living Costs Even More
Вставка
- Опубліковано 16 чер 2019
- Here is another review of my living costs. I constantly review and re-review the on going recurring living costs in an effort to lower them. I don't always lower them but rather optimize it for my life. I have increased spending on restaurants in an effort to increase enjoyment and I think this was a good decision. Watch to see the various bills I scrutinize in finer detail.
Darn Tough Socks that broke my streak: amzn.to/2wdjIiq
► More resources at my Patreon: / beatthebush
► My honest reviews on Amazon: www.amazon.com/shop/BeatTheBush
► Mint Mobile, as low as $15/month: mintmobile.com/bush
► Moomoo, up to 17 FREE stocks: j.moomoo.com/008UFx
► Webull, up to 12 FREE fractional shares: bit.ly/2XwlcQ4
► Get $30 when you spend $30: www.rakuten.com/r/FRANCI7350?...
► FREE Audible Audio Book: bit.ly/2Z4RrN7
► Build Credit w/ NO Credit by Self-Lending: self-lender.3qcw.net/YYZBP
► BeatTheBush Honey Badger T-shirt: bit.ly/2FBAeLA
Other BeatTheBush Channels:
/ beatthebushdiy
/ beatthebushfoods
Ending Song: Rondo Brothers, Mr. Tea - Навчання та стиль
Next time on beatthebush:
Im being paid to live here. I have ascended on another level.
halipatsui Lmfaoooooo
lul
housesitting
@@darklight6921 but it is work
Teehee :d
You are not far off. Because if I rent out this place, I could potentially move anywhere else and likely pay less in rent than what I receive.
*My family thinks I'm a miser to maximum degree... But thats because they don't know* beatthebush💪
you miser!! Meet- me- the tightwad of the century
@@turboredcart 🎭 yeah my sister gave me the nick namd stingy for short because miser was too long
Black Vito - Moneyology & Philosophy hahaha, my wife thinks the same... little does she know!
@@DanielIles "little does she know" i know the feeling😂😂
@@lfields9773 makes cents 🎭 pun intended
One thing that is helping me get my grocery bill down is I got into a hobby of gardening. And I much prefer to eat organic so I became an organic gardener. And actually put my backyard to good use, now I grow about 80% of the produce I eat. And I love doing it's so much fun. And it's cleaner eating you know that the organic veggies are truly organic.
I think about the time costs involved. I suppose once you get it going, it wont cost much and maybe takes less time than visiting the grocery store. =D
BeatTheBush that’s right. My mom spends like 1-2hrs a day just gardening. But she likes to do it.
@@BeatTheBush if you had a high income job, you'd have to worry about the time costs of going to a grocery story vs delivery. :-)
(Unless you value the experience of shopping. But then, I'd imagine there's probably some retired person that values the experience of gardening.)
That budget is GOALS! People say “enjoy your money and don’t worry”. That doesn’t mean you can’t enjoy it while saving as much as you can!
I do consciously spend money on things I enjoy. $13 for a Pho is 4-5 days worth of food if I make it myself. But it is still relatively low cost in terms of enjoyment.
@@BeatTheBush funny you mention that. My girlfriend buys Bún Bò Huế from a local restaurant for ($11) and it is enough for 3 dinners.
Next video:
*How I stopped spending money altogether*
Haha!. Unfortunately, that might require a video called; "How I stopped breathing air every day"
You might joke about that but it is possible by living like a hermit in a plot of land really far out and not utilities. You just use solar and collect rain water.
@@BeatTheBush high performance building. Worth the investment..
@@JK20239 not really. The cost of maintenance is manpower equivalent to the cost of regular use in a Suburb. Your savings is in property tax. And if you want wifi, then your not saving anything but property tax
BeatTheBush would you ever consider doing that? I find that kind of off grid living really appealing! 🏕
I really appreciate the details you give here and I also appreciate the thought process behind each decision/cost. The mindset counts for so much. Thank you!
You're welcome! Exactly why I go through each one in detail. =D
@@BeatTheBush Your insight at the end about cost of living in Thailand was especially helpful for me as I consider adding slow/long-term travel to my life in the next couple of years.
Thanks for motivation! I’m gonna change my lights for LED ones, n cook more at home, no more junk food, n especially stop shopping for better mood 😅🙏
At my Dollar Tree you can get 2 60w equiv LED lightbulbs now for $1!!
If you didn't do those before, that is a great start.
My electric is about $48 per month, gas is about $20 per month in NYC. I switched to all LED and using up the fluorescence bulbs. You are incredibly thrifty.
You are doing more than most people would by writing down your monthly & yearly expenses and really thinking about where your money goes. I remember when I started my frugal living journey, I wrote down all my expenses every day for 3 months without changing any habits. I didn't think I had any money to save & invest but when I saw where I was wasting money it was an eye opener for sure! Another great video!
Sometimes, certain expenses are so automatic that you feel is required. That is until you find an alternative.
10 years from now, I can see this channel becoming the “primitive technology” channel
LOL! Honestly, I think I cannot go that far because moving to a more primitive living style uses a lot of time.
Lol I love that channel
I can binge watch all your videos!For groceries when things on sale I go and stock up.Great Video ! Thanks for sharing!
Only stock up if you really will use it all. I have some cases where you stock up so much you end up not using half because your preference change midway.
You’re so next level. I’m slowly trying to reduce our expenses one by one but I don’t think I’ll ever get to your level lol. Enjoyed seeing you cut stuff!
You're an inspiration man, keep it up! I'm also in the process of cost cutting.
=D Seems like I'm down to the bare bones but I have a few tricks to explore still! O_O
Great vid. Keep up the good work. We do the same thing in trying to reduce cost and it is exciting when we can lower our cost.
=D I equate this to fine tuning your expenses. You have to go over it time after time.
BtB! Thanks for this video. It's good to monitor and re-exam progress and make adjustments if necessary. By examining your expenditures and areas that could be adjusted, we learn where we can make changes too--may be not the same ones as you can, but we can live better lives and not be paupers or penny pinchers--just live wisely. Thanks, may friend. Take care.
=D I noticed I was spending too little on eating out so that is why I added that to enjoy something I really liked but did less due to costs.
Watching you talk about things like this keeps me focused. As then I ask myself about certain items that I might purchase but don't really need. As I am trying to be as frugal as I can be with the income I have at this time.
On the way that your eating now I think that it is best that way. As I found if I don't have a balanced diet I tend to feel it physically. I was wondering how you were doing with that thanks for explaining it.
I feel really good eating more veggies and I can tell my body is responding positively. Typical American diet is too meat heavy at 1/2 meat content every meal. You can easily reduce this to once or twice a week that is 1/4 the content in meat.
@@BeatTheBush I am trying to apply a balanced diet and listen to what my cravings are for. When I do that I generally eat better and less. Lately it has been kiwi fruit and tomatoes.
As opposed to craving for chocolate... that's the bad kind of craving. =D
@@BeatTheBush possibly bad depending on the stress levels of the day. 😂
I don't think it strange at all, having 2 pair of Darn Tough. I have 5 pair.
I used to blow out cotton socks in a week (washing after each use) and now I only need to replace a pair every year or so. I also walk 5-10 miles a day...
Taking care of your feet is extremely important.
I totally agree. I recently purchased one pair of Darn Tough socks, because of Francis's recent video about them. So far I am happy with them. If they continue to make me happy, I will order more. These socks as good value for the money.
Wow... 5-10 miles is a lot of use. I do not nearly get that much. I bought one pair to test out and really like how comfortable they are, how long they say it will last, and the antimicrobial properties. So bought another because I was happy with it. So we shall see how long these two pairs will last.
@@BeatTheBush I must try a pair of these socks and here I thought Gold Toe was great...hummm...
Graham Stephan spends only $85/month on groceries too lol. You guys should collab sometime.
Lol. I only got this low by accident. I bought everything I want to eat while it being healthy. Even buying organic apples which really isn't that expensive.
What’s the speed of your internet?
@@BeatTheBush collab with the TechLead and Graham Stephan, we'll look forward to that episode/s
I spend almost that much every week 😭 I need to get myself together...
$85 a month on groceries...? Mm
I love Darn Tough socks. One of those classic Vermont products that doesn’t get enough praise. Looking forward to the review!
=D I'm still looking at the cost per use. Something to be said about having minimal number of socks rather than a bucket full.
Thanks for the video, Francis! The word restaurant was misspelled from your spreadsheet but nothing to worry about. I'd actually enjoy watching cost saving videos like this. :) Can you make another video on how to harvest solar energy locally from your house or condo in the San Francisco Bay Area to reduce your electricity bill further (other than signing up the PG&G solar thing)? Keep up the good work! :D
Wow... how did you know. I'm actually working on a small solar project for my home right now. I will make a video on it soon.
Thanks for the breakdown.. it puts my spending in perspective..
=D
You should buy property in Arizona, live in a tiny house and 100% off the grid, rain harvest, solar power and garden...burn rate....zero like the UA-cam channel Handeeman (Vegan off-grid couple).
Love your videos by the way.
Lol! Nice! Maybe if I want to live in the middle of no where one day. I still enjoy being near friends and family.
@@BeatTheBush if you live in California and aren't going to the beach regularly, it's like buying a buffet ticket every night but only eating a tiny portion. The only thing you can't do over the internet to friends and family is to hug. Get into VR. :-)
another great video as always!!!
Thanks!
Thailand would definitely an interesting place to do your vids from
You could make a huge pot of broth for your pho & freeze the broth you don’t use. This would eliminate eating out unless you wanted something other than pho. You could also invest in a small backyard garden in the summer & then can/freeze your veggies for the winter. It does takes time & effort but, it’s a good feeling when you’re eating something you harvested. Just a thought! Greetings from Sacramento 🌸
Hmmm... freeze broth. You still need the fresh meat and noodles. You still need the pepper, lime, basil, green onion, onion, noodles, and rare beef all to be fresh to reproduce the pho fully. The broth will save some time indeed. I may just have a backyard garden soon although I do not like the idea of moving dirt.
BeatTheBush
True. You can freeze the cooked meat but IMO it doesn’t taste as good after you reheat. You can grow those veggies in your yard (lime trees take a while to produce fruit) during the spring/summer/fall months. When you first invest in your garden it does take time, money & effort but it pays off in the long run. It makes me feel good too because I built it. I’ve saved myself money by growing bell peppers, chilies, tomatoes, onions, chives, cilantro & green leaf lettuce. Your garden will produce seeds to replant again in February 😄
You got me at abundance mindset! Let me get my notepad 📝
Great video as always 😬
You're insane but that's exactly why I like your channel!! :)
Oh great.. you're encouraging me even more, lol.
Ever read Early Retirement Extreme? Jacob is good at lowering expenses, either through his book or blog.
I have seen that but didn't know his name is Jacob.
Great video!! Can u pls do a car tour and costs of maintaining a Porsche? I just recently bought an 05 and want to know what's the cost to maintain one, also can you pls do a review on the ecoegg laundry egg, I purchased this and I don't buy laundry detergent anymore and I haven't seen any videos on this product on youtube which is odd since its eco friendly and it lasts for hundreds of washes, I tried making my own laundry detergent but too time consuming... Thanks!!
I mainly keep the costs of my Porsche down by doing all my own maintenance. I have a video on this channel for each of those procedures under the Porsche playlist. I don't have an ecoegg so I cannot do a review on that. Not sure if that is something I will by soon since i still have a lot of detergent left.
Nice video!
Thanks!
44 dollars for 2 pairs of socks???!!! That's the craziest thing I've seen on your video so far! And that include that crazy vacuum cleaning video, the feeding yourself with a drone video and that weird reverse parking is sexy video all put together! Who would have thought socks would be my breaking point! Agh!
Lol... I am doing an experiment to see if they are worth it. So sometimes, I spend money to make a video but it's a little for myself as well since I need the socks.
I wish I could get on your level, one lil step at a time right? Are you able to have a garden or grow some vegetables? There would be a little cost in setting up a couple of raised bed gardens but if you have somewhere you can put a few plants like a existing flower bed etc you could easily grow a few tomatoes or when it's cool enough some greens like kale and chard.
I don't enjoy gardening but I enjoy plucking fruits to eat. I may start a few small raised garden beds even though I don't think I'll like it. Lol.
I dont know how far you are from the water but you could start fishing to supplement your groceries. fishing licenses are cheap and you could load up on meat from the coast.
Far enough to not be feasible. Plus, I don't eat that much fish anyway.
I’m in LA.Thanks for the Video
Thank you!
How do you budget for Experiences and things you love doing? I love travel and my yoga classes and workshops. I try to give myself an annual budget. How would you do it ?
I don't have a budget and spend as needed. I haven't traveled as much recently but before this, I was using a lot of free miles from credit card churning. I used up all of it now.
I really feel like you do a great job in having a low burn rate... I also support the going out to eat and buying occasional products, because you do have to live a little! Especially since it seems that you are financially stable - so why not? :) Also, do you budget for socializing? I know that I need to include expenses for seeing my friends...
Socializing I pretty much just do what everyone else does. If they want to buy $200 groceries for the group, so be it. I don't normally keep a budget for anything.
I also eat everything I have in the kitchen before going out to shop for more groceries. I do go back for bread and soy milk though. I do one big shop a month and nibble slowly away at it. Lol. My fridge is full of fruit and veg and it almost stresses me out with all the decisions and food I need to eat before it goes bad lol. Also you might want to check out the Impossible Burger. It’s vegan and totally delicious!! I couldn’t believe how yummy it was!! Tastes almost exactly like real meat. They also have Bratwursts that are delicious too! That’s what I eat when I want to eat something more “meaty” lol. Great video, Francis! I’m just like you trying to see how low can I go. Lol.
I am on the fence with impossible burger because it has all this artificial ingredients to make it taste like meat. Vegan does not automatically mean its healthy.
Meaty... yeast, mushroom, eggplant, tomato. Concentrate those and it tastes very savory.
I spend $40/mo on groceries but I have a cafeteria at work :D
Oh wow... yeah that will really help.
Can you do a video showing your net worth in percentage of each asset? I'd like to retire soon but am unsure when to flip the switch.
It's easiest to flip it when your residual income or side income even is more than your burn rate.
Can you make more videos on healthy eating? I just recently got a job and realized I spent a lot eating out every day. I started making food to pack for 3-5 days and am wondering some different meals I can make that will be nutritious. I usually just do chicken, vegetable, and rice (I am allergic to fish but am trying to find things that have protein or vitamins).
Ohhh... I almost feel my meals are not very typical as I go mostly veggies 6 out of 7 days. Rice does have enough fiber and too easily converts to sugar. Typical chicken has salmonella even after cooking is harmful. Protein you can get from beans and tofu.
Those socks are a good investment. I hate buying things just for. The sake of spending.
It's more of an experiment for me and it's great to have less bulk.
$300/year for car insurance? That is super cheap! Did you purchase the CA minimum liability at 15k/30k/5k?
That’s awesome. We spend as little as possible too.
=D
ty for your video. i enjoy people going over their costs. i support your diet modifications. its good to listen to your body. also you were becoming a nut with your "restaurants are all too dirty" attitude before. refraining to save money is one thing but that seemed like a phobia or orthorexia type thing. i pay $25 per month in electricity per month (does not include heat, and i refrain from a/c) for my approximately 400 sf apartment. you can probably teach some english in thailand for 6 months or so and pay for your housing maintenance costs. you'd have to have the right visa. my total expenses per month is also around 1200 including rent. but i wonder if i found a few things you left out: dentist? eye exams/glasses. that can't all be totally included in insurance can it?
Lol... most restaurants are a bit dirty still. I try to ignore that when I go out lol. I opt to pay for dental in full if I ever need work done. This is couple with brushing regularly in the correct way to minimize the need for work. Vision is the same, I find the cost to be low enough that you don't really need insurance, just pay it.
I see Darn Tough socks on sale a few times a year for about $15 a pair.
Nice! Good to snag them up but then I have all that I need with 2 pairs.
I love you ❤ I'm in norcal too!
I also believe in spending only on what is essential to life and happiness.
I also eat EVERY damn thing before I go to the store. I used to waste so much food. I had a lot of weird dinners 😂
But likely, no more weird dinners because you learn to get what you will really eat. =D
Some people dispute their property tax every year. You can have a law firm do it for you and they get paid from the amount they are able to bring down. In regards to health insurance, why not apply for gov't assistance if technically, you do not have "income?" :)
Where do you go for vacation? How much do you spend on vacations?
Last year... paid almost all flights with credit card points via churning. Still spend about $100/day for food and activities.
Hello BTB!
Whats the point of chasing "pennies" if you already have achieved kind-of financial freedom? Would at some point you start enjoying life a bit more and not stress about if you left the water boiler on at home or not? Maybe explain whats the end game for you and for what are you saving the money for - just a video idea? :)
I too live a semi-frugal life but only for the sole purpose that in the future my living standard would be higher and I can afford the stuff I need/want and not worry about saving every penny, paying bills etc. and focus on things that are really important in life!
Greats videos! Keep up the good job.
Martin1335 that’s why I plan on a part time job when I early retirement, just to pay the small stuff.
What’s 1-2 days a week.?
It's fun to minimize expenses for me. Almost like minimalism where you try to go living with less. It frees me up mentally and physically to service those expenses. Start enjoying life? I am enjoying life. I don't have a water boiler unless you mean the water heater?
You could say, I mostly am optimizing for maximal free time. The free time allows me to contemplate.
@@BeatTheBush Thanks for reply!
Sorry, by enjoying life I meant focusing on something else than minimalism/frugalness (for ME it seems like a waste of energy if financial freedom has been achieved) but If that is something you enjoy, nothing wrong with that and I respect that 100% ! People find happiness in different places. For me frugalness/minimalism has a goal and I don't do it because its fun, rather something I have to do to have fun in the future. :)
I meant water heater, yea. :D
Will look forward to next video, thanks again for reply and all the best!!! :)
Maybe he wants to pay his parent's mortgage for them? (Or even, involuntarily if he hasn't done after death preparations.)
Have you tried cooking sushi or pho at home? Although I totally understand going out to eat.
I actually have thrown sushi parties where I make the sushi from blocks of fish. Making tamago, eel, rolls, nigiri. Pho seems to require about $50-80 of beef costs. So you'll get $8-10 a bowl even if making it yourself.
Awesome stuff bro! I love how you budget? Do you do consultation? I really need some urgent financial help!
I don't consult anymore unfortunately.
@@BeatTheBush So can we meet? Virtually i.e
Hey, 700 in Thailand is super extreme. That doesn't count health insurance. If your current insurance covers a month or so there, then it's fine. Just an update on my current situation. I am planning on moving to SE Asia in a few months. Global insurance for me will be about $400. Although I don't have any serious ailments, I cannot live without it at my age. One incident could easily wipe my out, financially. Healthcare is cheap there, but I'm going to err on the safe side for now. The ins you get over there is cheaper but doesn't have the kind of monetary coverage that a US company provides.
Ahhh... good point. You have to make sure your own insurance works internationally.
Great video.
I almost wanted to say get a REAL life! Then I started to believe in you.
It was when you said you had cut back too much on eating out. That you needed to do it more. ::wild applause::
I do understand watching yr money and eating at home. We all need some simple pleasures. You go Francis!
I push things further and further but sometimes, it doesn't work and had to go back. I did this with my internet connection using hotspots for a few months, that didn't work.
For groceries I buy a lot of chicken in bulk keep it in a freezer and other than meat I eat avocados and asparagus.
monthly food expenditure is less than $100
firstname lastname maybe freezing the extra fruits would be less work, and also he hates garden upkeep so he should look into perennial vegetable (plant once and forget) that produce indefinitely like the moringa tree, katuk bush, and asparagus bush
I replied to the wrong person
I used to buy a lot of chicken in bulk and cheap. But stopped because of the salmonella it typically contains that is harmful to your body even if it is killed with cooking.
You are doing great. We’re is your home security system cost? I reduced my light bill to $47 dollars this month by running my window air conditioner from 11 am to 6pm and using fans. I see you don’t have credit card bills. How do you keep your credit up?
Miss desire Independance I’m so confused as to how running AC lowered your light bill, what were you doing before? I’m intrigued! 😃
Vid on how to keep your cards active: ua-cam.com/video/yAzkEK8Y6E8/v-deo.html I think she is was running AC at night before so it costs more.
I live in back of my house and rent 5 rooms out. Big house so what do I need it for?
Good idea.
And you don't need to clean it.
BeatTheBush, you gotta look into getting a Nissan Leaf. One of the lowest cost of ownership cars that’s a newer model that you can get used, cheaply.
I probably wont because right now I have a car already. So when mine breaks down, I'll look for a car then.
I love pho with nook mum. My favorite Asian dish is Pad Thai.
Love watching ..thanks for all the tips..i live in Cali to and housing is expensive...i have a family of 7 and I spend about $60 in groceries ..and we are not starving..frugality the the way to i want out of the rat race..soon ❤👍
Family... of 7... and $60 groceries!??! Is this a week!? How is this even possible. You have something to teach me.
Rice and beans....lol
I spend $180 a month on just myself. How do you do it?
I want to get a nice GoPro or something for filming for YT. My iPhone doesn’t have that much storage, so I can’t film for 20+ minutes straight then cut. I have to record 3 min, view, delete, repeat.
But if you consider travel a somewhat routine thing, that lowers/offsets your home base costs, don't you need to display the associated costs? Air fare, hotel, restaurants, etc.
Well.. these are my typical costs for the past few months. I haven't really went international for some time. And the year before where I did go, I spent mostly airline points from my credit card churning.
Pho Reallll =], keep up the great work!
You said 'pho' you have my attention.
If I may ask a personal question. How many gallons of water do you use a month? I range from 600-1000. Using more water, will in my case increase the sewer bill. Water bills in 1000 gallon increments. I find that it isnt possible to live a decent life for less than 600 gallons a month
I think twice that. We're billed in this strange 730 gallon increments.
What about adding a solar panel or two for the fridge? I looked into this and the costs of permitting made the ROI jump from 7 years to 20 years even DIY. Is there an off grid solution that doesn't require a battery bank? Garage freezer that only cools during the day? 🤔
I was also thinking the same thing. Maybe power it from the solar if it has enough juice? I am interested in experimenting.
Yes. Live in an area where they're not going to care. Then, don't put the solar panels on your roof. Cheers!
I don't use fridge, I eat all my vegetables within one or two days and because of my health problems I eat stuff that doesn't need to be kept in cold. I use a kettle when I want to have a tea or coffee. That's only source of hot water, I have a boiler from previous owner but I don't use it and instead shower in cold water. It's good for your health and you save money. I try to live a minimalist frugal lifestyle, save money and get happiness from everyday stuff like walking a dog or working out. I haven't been abroad for vacation for over 16 years(and that was with my parents). I feel like I don't miss anything.
First I wanted to say "hold my beer" as a brag, but I don't really drink beer that much to save money. I still have room to be more cheap but I like my comfort. Cheers and thanks for your videos.
Wow... I think your savings level is beyond mine. I can never get used to a cold shower. I am intrigued with trying to eat the veggies within a day or two but this will cause me to go grocery shopping every other day instead of 10 days. LOL.
Interesting.....Since we travel, we share the neighbors trash so we do not have that bill. Our HOA is $410 and includes water. We went solar last year so we only pay a connection fee of $10.
Wow. What a concept. Sharing the trash. But the $410 is killer. It adds up to $100k+ over 30 years considering compounding.
@@BeatTheBush Yes sharing the cost of trash does cut in expenses and solar does help long term too. Our solar breakeven is 7 years but we eliminated an expense for 25 years. We have a guarantee production of 92% at year 25 in writing.
We are happy with the $410 considering most of HOA around here run closer to $1K. One way to keep cost down is to become part of the HOA board and sort of force a cost perspective in the association. One meeting per month about two hours investment.
In our situation, we travel quite a bit we pay for the convenience of not worrying about the outside maintenance or repair.
Less money, less problems! Also I just managed to sneak in as your 999th view, literally right before this video hit 1K views!
Yeah... less things less problems. Maybe if you have a lot of money, just don't go crazy buying stuff that brings you more problems.
Whats your strategy eating at restaurants? Do you try to keep it under 10 so you can eat out 10x or 20$ to eat 5x?
I just eat at places that tastes good but doesn't costs that much. I used to eat at higher end restaurants but that seems to matter little to me now.
gotta love the restaurnats typo XD.
Impressive! You've definitely got this down to the minimum. Great job.
I think there is some room to push it for the insurance part.
Watching you talk about saving even more money while I eat Ruth's Chris leftovers... 🤣 it's okay. I didnt pay for it hahaha
Lol... I had some left over steaks before. Sometimes you have those.
@@BeatTheBush no lmao what's funny, well ironic, is that Ruth's Chris is this high end restaurant, for a filet mignon, what I got, is over 50$
So what do you eat on a daily basis? I myself struggle a lot with finding what to eat on a day.
I made a video about my groceries I buy. Mainly lots of colorful fruits and veggies. Grains and beans.
Hon is the health insurance amount from your employer? Or are you having to purchase your own insurance? I’m considering retiring early before Medicaid kicks in and I have no idea what medical insurance premiums are for self employed coverage. Love your videos!
I buy my own without subsidy from an employer since I am self employed. Self employed coverage gets pretty out of hand the older you get. It has already increased for me.
BeatTheBush thanks. Under $400/ mo seems low. That’s good!
What do you think someone has the second refrigerator to stuck on food? not sure it is a good move....
to stuck on food? Store food? I think it's a result of disorganization in the fridge. I have a lot of room in my freezer and fridge because I eat everything. It almost gets emptied out by the time I go shopping.
Meat cravings are sometimes tied to iron deficiency. Also I think that SRP has a basic connection fee meaning your bill will never be lower than that.
Got it! Well... that is a good thing to address those.
@@BeatTheBush do a video on your vitamins / supplements please! (Or lack thereof?)
Sorry B2B what was the dish you like to eat out @7:55 ? Fah ?
Pho. It's a Vietnamese beef noodle soup.
Pho and sushi are my favs too! xD
My friends know I'm frugal but they can convince me to eat out with these two things. Lol.
Friend: Lets go out to ... and AFTER we are having Sushi/Pho!!!! You: OK!
@@BeatTheBush haha yes exactly! Actually, they did that to me 2 weeks ago.
would you trust the wealthfront cash account 2.51% apy?
Yeah, it's FDIC insured.
I'm super happy Pho is in the budget. :D
😁👍👍
=D I don't usually follow a budget. I just spend as needed.
How about solar panels do you really spend less? What do you think
Thinking about it. But including batteries generally extends the break even point significantly to something like 20 years.
The area you live in also makes a difference with the price of food. $53for electric is awesome.
Hey BtB do you sometimes feel “excluded” from consumer society, say, when you see people at the mall buying a bunch of clothes from expensive stores (not sure you visit a mall tbh hehe) and how do you handle this feeling? I feel like this is happening to me, thanks for what you do. Cheers.
I go now and then to walk or other business. I feel strange but it doesn't give a bad feeling at all. It is almost like omg these people are wasting so much money! Lol.
please bush , please make a video on to lower HOA fees
HOA? I know of no such thing, mine just keeps on increasing!
Have you ever thought about moving to a different state or city to lower your expenses? Because I did the number if you move to Houston you would safe at least $500 extra a month.
Yes but I stick around here because of family.
BeatTheBush yes I agree family is very important ❤️
Wow, I like your hair cut
Thank you!
Can I ask what insurance provider and plan you have?. I am paying close to 500 a month
Kaiser.
I'm surprised you got your car insurance that low even for liability
I pay $30/ month thru travelers ins.
Where do you live exactly brother?
My min water bill is $90 ( goes up in summer to water grass with sprinklers unless I want dead grass lol) and min trash is $35.
And wow your gas electric is $35, I have to pay min $38 just to have gas then electric on top of that.
In California. With trash, there was a trick. With electric, I also have a trick where I got paid $12 this month as a rebate. Info here: ua-cam.com/video/NfzrRQ5tlqA/v-deo.html
I think you may want/need to consider on increasing your liability and having an umbrella insurance to protect your asset. The one way insurance is your call if you think the extra cost is higher than your car value, but it's not really big deal. The value of the car is depreciating and the cost to buy a replacement is fixed but the liability of any accident is not predictable. I drive a cheap 10 yr old car but offset those risk. It may not be optimal financial decision like paying off mort in low interest environment, just for peace of mind.
Assets? I actually own very little in terms of material things that could get stolen. I am considering not owning a car if my car ever dies on its own.
Get ready for higher insurance mine was 375 this was about 5 years ago now 1100. With 5.000 deductible.
Your content is great and applicable to all of us. You are inspiring and appreciated. Best, David Jenson
Wow... 1100. It really sky rockets!
Beat the Bush I like your videos wish you would make a video about your monthly income as well.
Ahhh... some UA-camrs choose to reveal but many subscribers have suggested I never reveal this. It probably only serve as a spectacle for comparison rather than inform. I think it's enough to say I make more than what I spend.
My hoa is 250 and includes water and trash. Love ky
The higher it is the more you have to try to change it.
Our basic utility bills with zero usage are more than your bills. We pay $31.80 water bill with zero usage.
Yup... the bills will vary by location a lot.
How my brother convince me to spent money.
Brother: “you might die tomorrow, and only thing you can take is memories”
Brother: “you want to go to Vegas next week?”
Me: “sure”
(I’m also cheap like beat the bush lol)
Sometimes, I talk myself into spending money that way.
@@BeatTheBush hahahaaha, can't believe you use that trick as well lol
You can simply darn your socks and save on the $44...maybe $42. $2 for a little needle and thread. It doesn't take long. 15 minutes if you catch the hole before it gets too large.
I really dislike bumps on the bottom of socks though.
Darn Tough socks! Totally worthwhile. 😁
Restaurnats sounds delicious
=D
Before car insurance, I’m also paying $1300 per month in expenses 😂 I hate car costs
good thing is in germany you can live on 200€ a month for groceries and that is much more than you need, i need that much for buying expensive brands, if i would cheap out even more i could cut down to 125-150
I agree. You should keep your purchases to what you think is best for your health. Sometimes, that's a tough call to know what is healthy too.
My burn rate is about 300-400 a month but I’m lucky because I live rent free. Property tax and healthcare would be essential. I am actually disabled due to chronic health problems. So I can’t afford to buy anything. People are surprised how I can even survive on 400 a month. I literally don’t buy any clothes (all my clothes are hand downs) and basically just spend my money on only necessities.
In US, that healthcare will wipe out that 400 in one go.
BeatTheBush you’re right. Health care is extremely expensive in the US. Fortunately I have medi-cal. Almost everything is covered and I really need that considering I have chronic health issues. The downside is that I can only get coverage in the Bay Area. If I ventured out, I will have to pay out of pocket