5 Mind Hacks I Use To Save More Money (that actually work!)

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👉🏽 My Intentional Spending Tracker (free) - nischa.me/intentionalspending...
We are constantly bombarded with marketing messages on how we should be spending our money. In this video I uncover 5 ways you can take back control of your mind to keep more of what you make!
⌚️Timestamps:
00:00 - Intro
00:23 - Ignore Pay Rises
02:03 - Thinking in terms of Hours Worked
03:06 - Add an Emotional Attachment
04:53 - 7 Day Rule
06:14 - Listen to your own Narrative
👉🏽 My first $100k tracker (free): nischa.me/personal-finance-tr...
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DISCLAIMERS & DISCLOSURES
This content is for education and entertainment purposes only. Nischa does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.
This description contains affiliate links that allow you to find the items mentioned in this video and support the channel at no cost to you. Nischa is a participant in the Amazon Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to www.amazon.com. Thank you for your support!

Опубликовано:

3 июл 2024

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Комментарии : 282

@nischa Год назад

👉🏽 My Intentional Spending Tracker (free) - nischa.me/intentionalspendingtracker

@bhavikmavadia Год назад

Do you have a tutorial showing how to use the tracker and some finance tracking tips? :) Many Thanks!

@ruhanimoosa5625 8 месяцев назад

Just remember . YOU SHOULD BE VERY GRATEFUL BECAUSE I KNOW YOU CAN GET WHATEVER YOU WANT IN LIFE

@susanwaterworth5622 Год назад

I love how you are opening people's eyes to how they are being manipulated into buying "things" that will not fulfill them and instead advocate saving/investing for experiences. Well done. Wishing you success in your disciplined quest for financial freedom.

@Journey_WithTheYankyeras Год назад

Totally agree...very insightful

@johnswick6758 Год назад

Smart strategy for money management is 50-20-30.... better known as slope rating

@g.burney4714 Год назад

You advice is priceless. As I get older I realize it’s ( financial freedom) not about material things but rather about time. Time with your family,more then enough to live off of. Thank you for sharing your wisdom with the world 🌎.Your kindness shows through your presentation. You may not meet any of your followers in person but rest assure you have change the course of their future, what you are doing is not a vocation but rather a calling on your life. May God continue to bless you

@g.burney4714 Год назад

@P!nned By Nischa your so welcome Miss Nischa thanks for reaching out its a honor for you to respond blessings to you and your family

@dondeebb1379 Год назад

My Apple Watch for sure, it constantly reminds me to move, stand, stay active. It keeps track of my steps, burned calories, ect. I Love it!

@helenleft Год назад

I am good at not buying things i dont need, but occasionally i feel the need or urge to buy something expensive or fancy. One thing i've found useful to satisfy these needs is to buy that item but after a few days return it 😄. This way i still get that good feeling but i recover my money after getting back to my senses lol

@idamantashi8529 Год назад

I am in my 50, and I love this video. I have listened to it at least three times. I like luxury items. Love handbags and jewelry. However, I have learned to like saving as much as buying luxury. So, I have created an account for my luxury spending. It is fun to save first and then buy it. This way, you know for sure, this is what you really want.

@Journey_WithTheYankyeras Год назад

Yer, we need to live to the fullest everyday with no regrets but learning from our mistakes and using it as a channel for growth

@deboraah7173 Год назад

Pay yourself first, that advice has honestly changed my mindset. I’ll definitely take on the advice of waiting 7 days before making a purchase x

@marko.rankovic Год назад

"Pay yourself first" GAAD DAYUM that's a nice one! :)

@nikkijohnson5147 Год назад

I’m in the same house we purchased 8 years ago despite our household income almost doubling since and a fortunate “windfall” a few years ago. (Most of that went straight into an IRA, although perhaps I should’ve taken one fancy vacation. 😂 Experiences are important too.) I do walk across the street and look at houses double the cost of mine and remind myself: my financial freedom and security is more important than status. As you say in relation to emotion, for me, peace of mind around money is very important to me so that gets prioritized. Helping my son get through college debt free is another priory. Our AC broke last week and we replaced/repaired it immediately bc we have saved instead of spent over indulgently. My husband’s bonus will largely go straight into our savings. This is all valid financial advice. Thanks!

@user-xq5hq9vg5j Год назад

By watching your videos, I'm realizing I already have some good money habits! I just need to rework a few things and start saving. I want financial stability and a home.

@prosperplay6321 Год назад

As a fellow chartered accountant ACCA I am so happy you are sharing this. For me I escape implusive buying by telling myself that I am building a future and this product is not helping me build financial freedom.

@macboogieland2897 Год назад

i'd only add one caveat to the 7 day rule, which is, to know in advance what one needs, and maybe wants. although a super nieche area (music production), i've taken advantage of 24/48h sales plenty of times. but what gave me the condifence of knowing i wasn't just being sucked into a sale, was knowing i was getting something that has been on my "needs" list for a while and have been waiting for the right price, and i wasn't just buying whatever the next random sale is

@user-sl7ym1zq3n Год назад

I work in marketing, and I can attest to my entire job being how to use psychology to get people to spend money. Knowing that this is what happening behind-the-scenes makes me very mindful about what's marketing / mind controlling me to get me to spend money. I think twice before urges to spend money,.

@brianna_jade Год назад

Nischa, I love your videos so much. Finances can be a scary topic, but you break it down so well and make it accessible. Thank you!!

@Godxela88 Год назад

Found you at the right time in my life where I’m needing direction to be financial fit. Thank you!

@jonathandavies5532 Год назад

Nischa - Sharing your thoughts, knowledge, learnings on Personal Financial matters is so generous. You explain all subjects so clearly, logically and thoughtfully. Here in the UK, we have always lacked and denied our Children and adults basic Financial Literacy and the education in this arena that they deserve. Your videos should be obligatory at School. We need more honest and passionate educators like you on these highly important subject matters. Keep up the sterling work, and above all - Thank you.

@Journey_WithTheYankyeras Год назад

Hey We are from the USA and we love to watch your videos. Money management and intentionality towards financial freedom has been a key part of our this year. Thank you as always

@steffannurse6667 Год назад

i wish my wife would watch your videos

@leannejayne3545 10 месяцев назад

I wish my husband would! 😅

@Lea-pj5em 10 месяцев назад

😂😂😂

@Anaslife. 10 месяцев назад

😂😂😂

@emman.8655 10 месяцев назад

😂

@graphstyle 9 месяцев назад

Show her

@karthikg9 Год назад

What is your view on repaying mortgage earlier vs using those additional payments to invest in a stocks isa?

@MoneyConversations. Год назад

Very insightful! I have recently changed 1 of my bad spending habits and the impact is just mind-blowing. Thank you for sharing your journey.

@Valerieinlovewithfashion Год назад

The 7 day rule is great! Implementing that straight away! Thank you!

@PeterBurslem Год назад

Very much appreciate your time and expertise. I'm listening avidly to every podcast I can get my hands on. Considerably helpful!

@OliviaPlummer Год назад

Hello Nischa I love your channel! The tip you gave of adding an emotional response to not spending has made a big imprint on me. I am sticker crazy and started giving myself a green sticker for each day I do not spend money. I hope to have a whole month full of green stickers, but the bills still have to be paid a few times a month so maybe I will try to find a special sticker to place on my calendar months that I save more than I spend. Thanks a lot!

@Mary_Dean Год назад

So many gems here. Thanks for sharing! Definitely a video for the “saved” section.

@orlandodizon4755 9 месяцев назад

Thank you! This video is a gem I've already been doing some of things you said instinctively. It's nice to have confirmation that I'm on the right track I also love the quote about the weekend. I know I should use my weekends to build the life I want but my job keeps getting in the way. Thankfully, I have options because I've been very prudent, I own properties and is virtually debt-free.

@MrRyand1 Год назад

Great tips and insights. I've binge watched a lot of your content recently and it's super helpful and useful. Keep up the hard work!

@marylamonica4017 Год назад

Thankyou so much 😊Nischa

@Charlie84215 Год назад

Thank you. Your presentation is so clear and solid advice. Much appreciated

@babylon_bob Год назад

The 7 days 100% works really well the amount of things which I've not purchased after leaving it 7 days is unreal. One other hack I always use it to unsubscribe from all amazon etc emails and remove all apps off your mobile or from you homescreen at least....that removes the mindless browsing at night time for example which can end in some random purchase you don't really need.

@lifewithmargot Год назад

What a great quote! I’ve never heard that before ❤

@iraweiss9586 Год назад

Another EXCELLENT video which helps me to establish monetary guidelines by which to live my life. Thank you!!

@Bigtinycrawler Год назад

So im 40, married and just 2 years into my first mortgage. I recently had a sort of mid life crisis and realised I have no savings and im drowning in other debts, so 3 weeks ago I began trying to educate myself while I'm at work. I'm a lorry driver so I can listen to clips and books while I drive for 5 - 10 hours a day. Through my journey I came across this channel and have binged listened to every episode in a few days. As much as I have realised im seriously behind on a good plan and start, I also have taken huge amounts of advice on board and now have a 2 year plan to he debt free. And I have set goals after that to snowball all of these payments into savings and investments. Hopefully at that point I can research what to invest in better. Honestly I hope you start a podcast twice a week and bring in your financial expert friends, colleagues etc and discuss things that will bring all of us slow learners into a brighter financial future. You are incredibly easy to listen to and don't confuse non financially educated people like me, or overwhelm us so on behalf of everyone, thanks.

@mr_rauls 11 месяцев назад

You are very wise. Keep up the good work

@veesvoyages Год назад

Great advice! Thank you Nischa!😄

@brendapereira2599 Год назад

I just started following up this channel, it is so helpful and the reality

@gerardg1950 Год назад

I bought my first house at a mortgage og 75% of what I could afford. 8 years later I sold the house at a 20% profit. Had I bought the more expensive house, with the more expensive mortgage my profit would have been about 50%. 50% of a higher amount. But in general, this lady is right.

@wanderingambivert Год назад

Hi Nischa. I just wanted to reach out and say that I truly appreciate the hard work you put into your RU-vid videos. Your videos are fantastic and I get so much value from watching them. I have learned so much and I am grateful for the knowledge and entertainment you bring to my life. As a side note, I was wondering which program you use to edit your videos?

@gurmenbadyal3172 Год назад

You taught me a lot and continue to do so - thank you so much.

@paulmitchell1580 8 месяцев назад

I'm spending my time watching you 🙆‍♀

@ridwanslife Год назад

I'm glad the RU-vid overloads have recommended this channel. Solid content!

@obiorahchidinma6750 11 месяцев назад

Very insightful Nischa. Discovered your channel recently and I love how your expressions and energy…

@narinasnavjote4527 Год назад

Love how honest and authentic you are about your past spending habits and how you’ve grown, learnt and matured since then - to a point where you’re sharing your wisdom with the world now! Cheers to 300k … you’re a superstar

@emalrasoul9502 Год назад

Would love one giant long video with everything there is (kind of like a lecture) with time tags so people can skip to whatever they're there to learn.

@jamilyakovacik570 Год назад

Time spent wisely my way: 1. Education & Learning 2. Health 3. Financial freedom Thank you, Nischa, for the great video 👍

@fairuzastevenson9896 Год назад

Thank you

@lianaforwith9957 Год назад

Girl i love this !!!

@manzg1 Год назад

I could listen to her talk all day

@kapoorh Год назад

Just came across your channel last night, really enjoy it. Wish I knew what you know when I was your age.

@lavvafimusic8618 Год назад

This is great! Thanks for sharing

@amurapropertygroup2922 10 месяцев назад

I love the insightful content.

@tracythompson1692 Год назад

So well said!!!

@teodorvelikov2977 Год назад

Simple, short and definitely educational for people that does not know how to manage their finances - like me :D

@Helen-eh9tk Год назад

Many thanks for your advice. I hope I will succeed.

@sourcefor Год назад

I like the way you think!

@May-qb3vx Год назад

If I like something, I save the URL and add it to my list of things I’m looking at and when I’m financially good and ready to make a small purchase, I revisit that list and take these off it if I’m no longer interested and find something on that list that I can defend best in that moment. But it’s not an impulse because it’s been on the list. It’s basically a wishlist I pick from

@KevinHardeman Год назад

I love the quote on spending your weekend to build a better life. Really gets me inspired, thank you!

@nischa Год назад

Thank you :)

@oyandakona5994 Год назад

Me too i wrote it down where i can see it

@autumninspain Год назад

Thanks Nisha! ❤

@LeMagnifiq91 Год назад

The Rashford celebration 😅😍😍😍

@isiomaononye Год назад

Thanks for the advice on the 7 day rule before purchasing. It would help me in my spending habits.

@Journey_WithTheYankyeras Год назад

Well said. We need to be frugal with our spending without neglecting enjoying or living life to the fullest.

@mogamadRSA 8 месяцев назад

Algamdullilah a game changer video. I am impressed by your postive mindset may Allah bless you and guide you ameen

@anilreddy4822 Год назад

Thanks

@willmallory9085 Год назад

Excellent video Sister

@OksanaSchueler Год назад

thank you for sharing this tips!

@catkemble Год назад

Hey Nischa! Just binge watching all your vids 😎 I just started a craft channel and it’s growing quickly, I wondered if you would do a video on your make up routine for videos? You always look so natural and beautiful. Cat xx

@adityakunal226 Год назад

Nischa, first i want to tell you I love you and your videos, could you please make video on emergency fund planning as well, Thanks for your helpful videos.

@dolmachoezom705 Год назад

Superb! Thank you so much

@rashadrafiq9875 Год назад

That is a good financial educational video spot on👍

@helentaylor1222 Год назад

Thanks for the advice

@sandunsudusinghe5799 Год назад

Giving 7days to buy something is a very good hack👍

@paulst.bernard8485 Год назад

Thank you Nischa

@swiss747 Год назад

I love the 7 day rule👍🏻

@BlackWolf-bi3ro Год назад

Thanks Nischa 😍

@Nika-Dubai Год назад

Thank You

@1matim Год назад

thanks, good video

@HopeWithHolly123 Год назад

Thank you! 💛💫💛

@armengrigoryan847 Год назад

7 days rule, very smart 😎

@IKhanicCollector Год назад

Nischa!! best way to start the day, a new nischa video. Keep killing it.

@shin-chan5411 Год назад

This vedio helping money management nd British pronounce...Nischa...👍

@dieterharrison9754 Год назад

I’ve Started Paying Myself First Putting 10% Aside

@neurodiverse4414 Год назад

As Warren Buffet once quoted. If you buy things you don't need. You'll end up selling things you do need.

@LionelIssara Год назад

I which you would have been on RU-vid back in the day but never too late at least I ll use those informations for my daughter

@AyooNaaa Год назад

DROPPING FREE GEMS I LUV IT!❤

@theharryoloibe Год назад

Rashford's celebration transcending sport😏

@Jason-zh7wo Год назад

I have a bad Amazon habit 😬its so easy to spend money these days and making someone else rich...

@thelioncolhoun Год назад

Thanks Nischa, this channel has been a huge help to me. Looking forward to more videos. Happy Valentines Day!

@juniorexcellent3602 Год назад

I love you Nicha good job 1rst comment

@yevnesin8792 Год назад

Hi Nischa, thanks for an awesome channel! Can you please make a video where you share a) what is the net worth you are aiming for that will equal your financial freedom b) how you came to that number c) your assumption in regards to how much % it will give you d) your strategy to get to that number That would help a big deal for people to understand how much they actually need to have a freedom in their lives!

@arunk.7708 Год назад

"Earn all you can, Save all you can, and Give all you can" John Wesley

@alkap2922 Год назад

Hello from Canada 🇨🇦- “Listen to your own narrative” is incredibly important. I’ve witnessed many people making purchases (expensive or otherwise) based on the idea that “they deserve it”. We ALL deserve “things” but to figure out what that “thing” is doing to satisfy your needs is key. The psychology behind purchasing is powerful. Great videos.

@mg79277 Год назад

Nischa I’m so glad I found your channel! You’re so financially intelligent and humble. I just think the world of you. You speak frankly about yourself and your own goals and experience with finance I feel I’m listening to a friend give advise. What a great channel please continue this important discussion

@nischa Год назад

Thank you!!

@dapperAaron Год назад

Thank you!! Video idea, how to find friends and partners that are into this lifestyle Other than apartment rent i have 0 debt, good career in business production management, own both my cars, good credit, Roth IRA, 401k, life insurance, other investing accounts, looking to purchase an apartment building, duplex home or business Seems like all my friends and family are struggling so I definitely don't go to them for advice, im trying to find more like minded people

@jamesoutdoors.6450 Год назад

You are a modern day Tyler Durden. Great advice.

@AshutoshSati Год назад

Give the editor a raise

@sciencenvisions1554 Год назад

Matrix breaker - love you

@jabrajmukesh3347 Год назад

Excellent advice Nischa, I live within my means and try to keep focused on the bigger picture

@anki3886 Год назад

Nischa, I love your Videos; I learned a ton. You remind me of Vikki robin, Author of Your life or your money- her book taught me very early in life how to measure things by the hour we worked. I also love 4 hour work week and have applied that in my life :), Rich dad, poor dad did help me learn a lot about assets and liabilities. I still spend money on things that give me happiness, The way designer bags are getting expensive, I treat them no less than stocks, haha. Please provide your opinion about whether paying the mortgage is better than using that money to build wealth.

@AllStarsOfComedy Год назад

Great wisdom tips and well delivered Keep up the great work my go to channel 👊🏾

@ApnaKarobar. Год назад

Great 👍

@stlim1081 Год назад

Hi Nischa, greetings from Australia 🇦🇺 . Love watching your videos, always so informative and I always get something out of these

@BIA-nv4mg Год назад

Hi! Your videos are great and very helpful/, however can you do a video on a lower salary such as 20k/year. As this is the most likely income after tax for roles such as mine or most yougsters. What would be your advice on this 😊

@larissapaiva Год назад

As a consumer of your videos, I would like to point out a few things that I enjoy and that could probably be some of the reasons other people like it too and, consequently, increase your number of views and subscribe. 1. Quality information in less than 10 minutes So I don’t feel I wasted my time, first because I learned, second because it was less than 10 minutes 2. Objectivity without superficiality (don’t know how, but you do it 😂) 3. Posts are not everyday So I don't feel “tired” from watching every day nor “lost” from not keeping up.

@nischa Год назад

Thank you for the feedback Larissa - makes me know what to do more of!