We are dual income and we try to save one persons entire paycheck! Even if we can’t do it every check; we try to as often as possible and live off the one check
Using grocery pickup instead of going into the store whenever possible! It doesn't cost anything extra, saves me time, and helps me to be more intentional with planning out what to buy, getting the best deal, taking advantage of digital sales/coupons, and skipping on the impulse buys that inevitably happen in the store, plus I can see my cart total adding up as I go which is so helpful!
You are one of the most sophisticated and brilliant RU-vidr/content creator I watch, and 1million percent the very best in finance. I appreciate all of your content thank you for *VRI TOKEN* much love from Chicago
I still think *VRI TOKEN* has a great future because it's owned by VRI . Also I don't hear anyone about DFI? Taking the biggest blow right now. From 5000 euros to 330.... will this still work out in the future? And since BTC will fall even further I think we haven't seen the bottom yet!
I no longer spend money on fancy makeup. Most drugstore does just find and I have to remind myself not to be mad about all the thousands bc spent in the past! I also use reusable makeup remover rounds instead of disposable cotton rounds. And I listen to folks like you and your subscribers for great tips!
Personally I tried reusing flannels (face cloths) for a good while and my skin just ended up getting spotty when it never was before, probably as they harbour bacteria as never fully dry. Reverted back to one time use cotton wool pads and good, clear skin again! Somethings are just not worth the savings in my opinion@@LindsayD228
Hi Ashlynne, I hope you are well. I left my teaching career behind last year and am looking forward to my first term-time holiday for twenty two years. It will be quieter and hopefully cheaper. We just need to book it now! 😂 Have a great weekend. Best wishes from England.
Tip 9, filling up my car only when fuel prices are low! I discovered this hack for myself last year and it literally saved me hundreds!! Also being content is another one that I am constantly learning, it's not about having the most expensive things but being happy with what you have! Yay, so happy you are coming to the UK Ashlynne!!📸 Maybe see you here!😂😂 Blessing from Cornwall UK!!💕💕
And when the price is low, you also take a Jerrycan or two to save even more. And keep your tyres to the right pressure. And drive with an empty as possible trunk. Drive so that you do hardly go over 2000 rpm. Or in the highest gear where possible. I can drive 60kmh in 6th gear doing 1500 rpm. Regards from 🇧🇪
I bought a Dyson cordless vacuum right after Christmas last year. It was listed at $500 on the website, but since I bought it right after Christmas, it was listed at $300.
This is exactly our problem now. Right before we had kids, my husband and I were able to go to Hawaii in late October at a much lower price. We have kids in school now, not homeschooled so we go on vacation the same time everybody else does which is more expensive 😔
Yes to being content! Lifestyle creep is sooo prevalent now, but realizing that those small luxuries aren’t necessities or really improving your life massively makes a difference.
Really love your necklace in this video- it's beautiful 🥰. Also love that you're visiting here in the UK soon. Whereabouts are you planning on going? We are in the South West in Dorset and it's beautiful here ❤
I've looked into the Venture X card. Do you get points with all purchases or just when you use it to travel? I haven't been able to find this answer 😂 ❤
Not exactly a hack, but as a Christian we tithe first, then give above that as the Lord leads. By keeping Him first in our finances, He promises to always provide... 26 years of marriage, 7 children, on one fixed ministry income and we've never gone without. He is good!
@@emilyboyer9211you give 10% of your income to church. Or, in churches like Catholics, just small amount of money on every mass. I don't recommend either, churches usually have plenty enough without you helping them. If you want to spend so much money giving, give it to the poorest in your parish/community instead (or alongside), it will be better used and I can't imagine Jesus being mad at that.
@@emilyboyer9211 tithe is a word that comes from an old word meaning “tenth”. 10% of one’s income is given back to God as a sign of thankfulness for everything he gives us. It also expresses trust that when we obey his command to tithe, he will take care of everything we need. In other words, we’re trusting in him and not our money. Hope this explanation helps!
I get such GREAT service every time I go to the *VRI TOKEN* and the IRS is SO wonderful to work with. I DEFINITELY want the Government in charge of my Social Credit Score! This couldn't possibly be misused in ANY way! All the data breaches that the VA has had makes me confident that my data would be TOTALLY safe!
Can't deny the fact that *VRI TOKEN* has the strongest bet to bring lights back to this industry after we suffered FTX, Celsius, Tera and so on. Sure if they fail it's done for good but the pressure is too high and I think they will keep proper liquidity rather than these others. Don't see them going bankrupt any time soon.
I wanna let you know that *VRI TOKEN* made it this year. What better way to start a global change? Don't get me wrong I know they are not like altruists or something but they keep doing the right thing to improve the situation, power the ecomonmy and so much more. We need players like them and we can always jump in the train at good spots such as this one
1. Put your emergency fund into a high yield savings account to earn significantly higher interest than your traditional bank (Wealthfront, Ally, Marcus are examples) 2. Earn extra cashback using Rakuten when shopping online 3. Don’t increase your spending just because you get a raise. 4. Don’t buy something just because it’s on sale. 5. Don’t overstock your fridge, otherwise many items may go bad and go to waste. 6. Not getting my hair dyed (requires extra maintenance and frequent visits) Love your content Ashlynne!!
No.3 Is paramount. After I graduated my salary doubled & my parents advised me to enjoy a better life but NOT blow the extra money on luxuries. I still refuse to buy cafe coffees unless I am meeting with someone. I can easily afford it but 4 coffees a day x 5 days adds up to hundreds every month. I downsized from a 4WD to 4 Cylinder car saving thousands of dollars in fuel each year.
Decent list but I challenge #1. Thr purpose of an emergency fund is just that, an emergency, it’s a wealth building tool. The Emergency Fund Should be 3-6 months of expenses in Cash with easy access. Before dropping money in a High Yield account just be certain there are no minimum balances required and/or any withdrawal fees. Thanks for sharing your great tips.
My heart goes to the entire community for *VRI TOKEN* building up something even my grandpa can understand. This is so smart by them to launch it to shatter the doubts and fears of the common folk which is not even correct to begin with. Everyone knows the state of inflation and recession now and the way out is already in progress. Now it's just about catching the big fish
To be honoust I hardly ever go out to dinner, have no car and don’t go on vacations, but I do live in the Netherlands and in the city we do have great public transport. I have a very low income, but am pleased with everything I have and I won’t buy new unless the old one is really broken. My fridge and washingmachine are 26 years old by now and still work fine so no need for a new one yet. The only thing that I waste money on is smoking so I will quit as soon as my cigarettes are finished (somewhere tomorrow).
After researching "cash back " credit cards, I found that many banks offered 1 % cash back and teased your with a 5% rolling category cash back deal. The problem with rolling categories at 5% was that there are about 5 categories that rotate 4 times a year. So you only have 3 months to save at 4 places. Many of these categories are products that one doesn't use a lot or a very small part of your yearly expenses . So I went with a straight up a 2 % cash back card that I used for everything. When I say everything ,it could be a $2.00 birthday card to a $5000.00 home repair , ect. When running the numbers on this, it was that the 2% card was the best for me. I save about $ 1, 200.00 / year . Basically $20.00 / $1,00.00. Just remember to use it for every purchase large and small .
The restaurant tip is so true. We try to only eat out/get takeout once a week. Most food we have at home. But when we do go out, sometimes the drinks are $10 and these aren’t even alcoholic drinks. And appetizers can be the price of a meal. Typically we just get the main meal and a drink each but may start switching to water to save a bit more.
Well, I went out two times this year. With my best friend and my son because of my birthday ( Nepales/Indian food) and two months later again with my best friend and my son because my best friend and I know each other for 31 years ( to the Italian restaurant at the end of the street). Both restaurants on walk distance ofcourse.
I found out that I can use lots of different libraries in my state. I have multiple county library cards - and if none of those libraries has the book/e-book/e-audiobook that I want to read or listen to, I can request an interlibrary loan and have it delivered to my closest library. I almost never buy books anymore!
Second hand shops are game changer for me. When i moved out to Germany a month ago, this saved my expenses a lot. 😊 Functionality over fashion is my utmost priority 😊
No car at all has saved us thousands. We're really lucky to have a good public transport system where we live. We're in our 40s with a young child and have never had one. We use uber a few times a year when public transport doesn't cut it.
If you double the eating out “budget” that would be closer to what we spend. I showed my husband the calculations, he was a bit stunned but we will see if it truly sunk in?🤷♀️
Don’t eat out. Cook a special meal at home for special occasions. Don’t eat meat every day. Eat reasonable portions. Skip a full meal a few days a week and eat smaller snacks instead.
When you eat out many times depending on the place they give you chips and salsa as an appetizer anyways or offer free dessert like ice cream. Jason’s deli offers free ice cream.
Ashlynn, I so need to talk to you about booking flights. I have a trip coming up but for future one I need these strategies. Can you give us more travel planning videos?🎉😊❤
That’s really great to eat out only 1-2 x per month! That’s a goal for sure. We eat our wayyyy too much. What things do you like to keep on hand to make you successful at this? 😊
For pet owner- visit feed stores, even if you think there aren’t any where you live- they mostly likely are. They sell vaccines and medicines that are so much more costly fifer fly from the vet.
You are so mature and sensible. Many people would have run out and bought that vacuum and TV rather than waiting for the sale. Have a great time in the UK- it's a great place to travel. I was born there and have visited many times.
Bonus tip with libraries: see what ELSE your library offers! Many also have computers to use; free-cheap courses on everything; borrow/loan/rent things you wouldn't expect (like tools!); and seed libraries in stock to make or add to your lawns/gardens; and so much more! Some are lucky enough to be located at parks and/or swimming or learning centers - it's not a day care, but worth checking out for anyone with kids who need some extra activities. Where I live, some of the "thrift" stores (specifically they're book & other stores) have great activity times for kids and adults. Reading new stories, or play acting them out, book clubs that meet up, etc. Also, many museums (here) are free (others are a fairly reasonable price for the specific experience). Checking into those, & seeing what fun special events they have are fun to go to. I personally also put a portion of my paychecks into my credit union savings account, my 401k from work, & also spare change into a diversified investment portfolio. Last idea: joining community groups in your passion. Or creating one! Litter pick up; planting trees/other; neighborhood watch groups; crafting groups to trade items; voting; advocating for a person/group/cause; and so much more! The more you allow yourself to realize that there are limitless possibilities, and you just need to open your eyes, the world becomes your oyster. Browse around and be amazed 🎉
You can save money on: not going on restaurant, dont have tv but see the sky and trees, dont buy toilet paper and use only water, have a shower once a week.😮😮😮
