4 Tips For Being More Responsible With Money | Financial Minimalism

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Today I go over a few simple things I do to try and be more responsible with money.
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Hey everyone. My name is Nicholas and I make videos most about my experiences with minimalism, frugal living, tech, and things of that nature 🌱. So if that sounds good to you consider subscribing and I'll see you in the next one ✏️

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Опубликовано:

10 июн 2024

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Комментарии : 105

@CliffLawrence7 17 дней назад

0:59 Tip 1 3:21 Tip 2 4:40 Tip 3 5:40 Tip 4 Great tips as always!

@haleyh9875 17 дней назад

Thank you on behalf of all adhd subscibers for easy reference! hope you have a great day. people like you make utilizing what i learn from videos so helpful

@CliffLawrence7 17 дней назад

@@haleyh9875 I'm so glad this helped! Hope you have a great day too! :)

@bookwormbon482 16 дней назад

Thank you so much!

@CliffLawrence7 15 дней назад

@@bookwormbon482 my pleasure :)

@kingcronecker 17 дней назад

To save money I like to plunder the backlog. I have an archive of books, games and blu-rays I haven't touched since I bought them. Don't let buying entertainment be the only entertainment.

@hayleae.450 16 дней назад

Love this!

@LarsDahlin 17 дней назад

I have settled with my salary a couple of years ago. Every raise I put a side, so I "earn" least at work but save most. Really nice to live frugal. Thank you for a great video.

@NicholasGarofola 17 дней назад

I love that, thanks Lars!

@hayleae.450 16 дней назад

We can’t all be Seto Kaiba, so these are great tips for all of us that are not 😊 My current favorite money saving method is the “use it up”. This is especially effective for me with food/groceries. I can’t buy condiments, salsa, or whatever it may be until what I have I completely used up. Once it is used up, I either try and make my own (like salad dressing, tortillas, and snacks) or I can only buy 1 of that item type. I will admit though, if it is a staple item that I cannot make I stock up when it’s on sale, so I’m not totally anti-duplicate. 😅 Good luck out there friends!

@NicholasGarofola 14 дней назад

Agreee. I need to take this advice because I often get sick of some of the groceries in the house before they’re finished 😅 thanks Yugi

@Maria-rt5yi 16 дней назад

even his cat looks minimalist

@apezucolabooster 17 дней назад

Good stuff! I like how you do all your videos, instead of just buying stock footage.. makes watching the content much more enjoyable!

@NicholasGarofola 17 дней назад

I appreciate that!! I'll always be recording my own vids.

@rakshithadhanapathi 16 дней назад

I really love this video. I am currently building my medical emergency fund . Thank you so much, I get inspired a lot watching these videos !

@X.C_ 17 дней назад

“Banish the Subscribe Button to the Shadow Realm” 😂

@diamondnights 16 дней назад

Not only do I love the appealing visuals in videos and the theme of the channel, I also find them very relaxing, watching them helps me find peace of mind. Thank you, Nicholas

@NicholasGarofola 16 дней назад

Thanks so much.

@salenarichardson2766 17 дней назад

I definitely will try the spending audit. Thanks for the tips! I appreciate your sense of humor. You crack me up. 🤣

@NicholasGarofola 17 дней назад

Thanks Salena!

@akhilkavalifestyle 17 дней назад

Perfect video at the right time. Like always a good video!

@NicholasGarofola 17 дней назад

Glad you think so!

@jillpolino6273 14 дней назад

Spending audit 👌 will do that for sure!

@mohammadrashid9325 16 дней назад

been waiting new content from you. finally

@JoshuaS62703 17 дней назад

heyo nicholas! thanks for the great videos!

@NicholasGarofola 17 дней назад

My pleasure!

@Vtiate 17 дней назад

I love when I get the reference

@hellosaysandrew 17 дней назад

Finally, the Shadow Realm makes a comeback!

@caseythoren8318 17 дней назад

Dropping by to dust some crops ✌🏼 Dope video as always!

@NicholasGarofola 17 дней назад

Appreciate the crop dust!

@etheldawe3886 15 дней назад

Great tips Nicholas ❤ always interesting and interesting 😊have a lovely day young man !

@NicholasGarofola 14 дней назад

Thank you! You too!

@NobodySpecial509 2 дня назад

Love your channel, we’re focusing on paying off a 30 yr mortgage in 5 yrs instead, so I love the inspiring videos you share! Thank-you for keeping it real! ❤

@fernandagomesdemelo3408 17 дней назад

Thank you for the tipo!

@fernandagomesdemelo3408 17 дней назад

Sorry... tips

@user-rq8zw9oh4l 16 дней назад

Nicholas, excellent content as always but we need more digital minimalism videos too man. You touched on that concept a long time ago but we need more of them.

@manilamaiden 17 дней назад

Using the thrift store is great ❤ I love being able to find really good clothes or any items from these stores, I was able to save a lot of money by buying used items. 😊

@NicholasGarofola 17 дней назад

I totally agree!

@qvovadis 17 дней назад

I always enjoy how you imagine different ways to invite us to suscribe, a different one for each video! Then you make a small pause before continuing lol

@timyoungnc 17 дней назад

Awesome content.

@NicholasGarofola 16 дней назад

Glad you think so!

@Racoon-Man 17 дней назад

I actually agree with your "used" idea. I have recently got myself a PC that's used and refubrished from Amazon just because of this reason... in 1/3rd of the of original price and I'm very happy with my decision. Thank you for highlighting this friend.

@NicholasGarofola 17 дней назад

That's awesome!!

@eitherorbooks 17 дней назад

It probably is very possible to build an entire wardrobe of high quality clothes using sites like Poshmark, if you are patient and know your size in brands that are consistent. I've bought several essentially brand new Brooks Brothers dress shirts over there, which retail over $100 for like $30 or whatever. I check/update my budget spreadsheet for 10 minutes every morning, which I think is less of a burden and keeps you more on track than only looking every few weeks. It is fun to build a system that works for you and to tweak it over time, at least for some obsessive dorks.

@NicholasGarofola 16 дней назад

Love that!

@TR3NDSTTR 16 дней назад

Fractal terra build 💖

@VishnuAttiappan 16 дней назад

Nic, talk about this please 😁

@hartlink 17 дней назад

Great tips, I really like the idea of a buffer zone, but what do you do when you don't reach the buffer zone, saves that money or adds to the next month; because it is a great idea to save money month to month without realizing.

@brittaschormann4554 17 дней назад

My personal favorite budgeting method is kakeibo which allows me to spend at least 40 percent of my monthly income. So if you´re into keeping lists like me, here's how it works: 1. Write down how much you make every month. 2. Write down how much you want to save. 3. Subtract the amount in no.2 from the amount in no.1 and voilà: What's left is what you can spend this month. Track your spendings every other day. For beginners I`d recommend doing this daily. What might also work as motivation and make saving money more fun is when you have a specific goal, like "I want to have saved 500 Dollars by the end of summer".

@NicholasGarofola 17 дней назад

I could totally make an entire video on that idea, it's great. Thanks Britta!

@jmobrawler 12 дней назад

The most useful tip for that I never considered is the buffer zone. Stupidly simple lol. I definitely am guilty of trying to create a fixed budget for fluctuating expenses like groceries for example . So for necessities like that, it's definitely best to just overprepare like you said to avoid dipping into those savings

@meskerem_mees 13 дней назад

Great video! Where’s the beautiful speaker on your desk from?

@NicholasGarofola 13 дней назад

Thanks! The black and wooden thing? It’s a PC 😅

@meskerem_mees 13 дней назад

@@NicholasGarofola 🤯

@donnabrewer3247 16 дней назад

Beautiful kitty cat and plants good advice also

@NicholasGarofola 16 дней назад

Thank you very much!

@thetelebuddies 4 дня назад

Yassssss with the Yu-Gi-Oh Reference 😭🔥

@timschick6708 15 дней назад

Love your content, Nick! Definitely one of my favorite channels by a mile. I have recently trialed living with a Light Phone 2, and have loved it! Curious if you have given it a try, or are willing it make a video on it! Curious your thoughts, especially now as they have revealed the Light Phone 3. I bet some of your viewers would find a great benefit to it. Thanks for all you do!

@NicholasGarofola 14 дней назад

I really want to make the switch, I unfortunately think I’d be lost without the Maps app though. We’ll see if my mind changes in the future but I’ve thought about it for a while now

@timschick6708 14 дней назад

@@NicholasGarofola They do have a maps too, I’ll admit its pretty poor if you’re using it as a turn my turn because of the E-Ink screen. The “Directions” tool and the “Directory” tool together are pretty good surprisingly, the “Directory” tool being new. The OLED screen on the LIght Phone 3 will make them even better. Hope you continue to consider!

@mirasolabogadil9746 14 дней назад

Jungkook 😅 love the idea of the buffer zone, kinda like the rounding up I do with some bills..

@gwenj5419 14 дней назад

I buy almost all my clothes at thrift except underclothes and shoes. Once in a while for a specific need, I will purchase new items.

@matheuscampos9363 16 дней назад

I hope that is a Yu-Gi-Oh! reference. Great vid as always

@NicholasGarofola 14 дней назад

It is!

@matheuscampos9363 14 дней назад

@@NicholasGarofola time to dddddduel

@JosephDickson 16 дней назад

6:35 had me laughing out loud.

@WyvernX_ 17 дней назад

The problem is these damn wages don't pay enough, Nicholas. Most people really don't have a spending problem like everyone makes it seem

@davidborovsky2877 17 дней назад

Lmao...real wages in the US are for the most people the highest they have ever been. Especially for the people in the lowest percentiles.

@WondererMinimalist 17 дней назад

To me, It depends on the career and company you work in. If you are talking about restaurants who rely on tips to pay their employees then I agree. Here in California the minimum wage now in 2024 is $16/hrs and if you search online some entree level jobs(cashier,janitor, kitchen helper) offer $20/hrs.

@EricElstad 17 дней назад

@@davidborovsky2877 You couldn't be more wrong. I don't think you know what "real wages" means.

@leigh4928 17 дней назад

@@davidborovsky2877Wages are only half of the equation. Of course wages are higher than they’ve ever been but they are not keeping up with inflation and the cost of living. The wage and cost of living gap is higher than it’s ever been.

@KittyKat-vb1nd 16 дней назад

@@davidborovsky2877The majority of credit card debt is wants over needs. It's not for an emergency or essentials. I work in finance and we see what they're charging.

@samuelliang6285 16 дней назад

Jungkook of BTS mentioned ! heck yeah!

@Patrick-is4zz 17 дней назад

Hi Nicholas.

@nayelimirandaf. 17 дней назад

Hi 👋 Patrick

@NicholasGarofola 17 дней назад

Hi Patrick

@kinghenryvii9718 11 дней назад

Nicholas be like "Be sure to [violate] the like button ... 👁️👄👁️ ... Let's get to the video" 😂😂😂 best part

@amymaude5798 17 дней назад

Thought provoking and enjoyable, as always. Thanks Nick. Got a kick out of the little visual easter eggs and especially seeing Kitty!! Editing is right on point, as well.

@NicholasGarofola 17 дней назад

Glad you enjoyed it!