Extreme Budgeting 

Wow... 500 acre farm in cash, nice! Count cows! Oh man... I always wanted to make friends with a cow but maybe they are hopefully a bit smarter than chickens.

💰💰💰

My girls and I are saving to convert a school bus and travel, living minimalistically, getting out of debt and begin creating our wealth. I commend you for going against the social structures and judgments of what a "normal" person "should" do and choosing your own path. That way the entire journey is joyous and enriching. 👏🏽👏🏽👏🏽👏🏽👏🏽

Which state is this possible? I want to try this also

VIP what? Live in a vehicle?

@Andrea Serrano-Seaman I enjoy saving money and being outdoors. I personally dont like eating out, it's expensive and most of the time home cooking is 1,000% times better period. from time to time 6-10 times a year. funds can go dry when you don't think about the big picture. im totally out of debt and going for a house, so a real real budget is about to hit home. not much of a change but spending less til better jobs come along and make side money with my time (researching new things that are helpful skills). then setting things up after I am prepared to do esales w out spending much.

@Andrea Serrano-Seaman i get ahead of myself sometimes when i am in thought lol all over the place so to speak. and sometimes it comes out like vomit all at once. :-)

It's not aobut them dropping you, it's just that if you always have economical reasons for not being able to do stuff with them, you will meet them way less and slowly drift apart

@@tubewoodycool I mean or you could go check out libraries, play board games/video games, have potlucks, go hiking, go window shopping, go biking, take part in a marathon. Like you can put EFFORT into your friendships and you won't drift. And oh yeah ^^^ All of those things are FREE.

@@adrianerhodes1811 True, but you hav eto be realistic too. A group of guy friends in their 20s on a weekend would rather go out partying than going for out for a run. And if you always say no to these things that cost money, you will not be able to hang out with your friends as much (at least for 90% of people). I love saving money, but you have to spend some on having fun too, otherwsie what's the point in saving?

Glazed over eh? You don't really need to try to help others who are not asking you how to save money. Just let people be as they are. Meanwhile, you can do you. =D Or... like for you who care enough to watch this video. =D

TeKnoVKNG23 Its tue Im.thankful.I.work in kitchen where the food is free and hardly ever eat for lunch or breakfast.Dinners I eat at home with my family 5 days a week.Maybe one.Ill get to go chicken for 6 dollars then use that for rest of the week.

Yep I agree! I try to bring lunch from home every day and the longer I go without going out to eat the happier I am because I know that each meal spent at work can run me $8-$10 each and thats a lot of grocery money wasted on a single meal.

Crazy! I see the same thing at work- we have a bunch of fast food places readily available right downstairs to where I work, and I see everyone with their bags of fast food every day in the kitchen! And here I am, with my lil' blue lunchbag carrying soups/ rice dishes, sandwiches etc (I usually make a bunch on Sunday night & freeze for the week). They laugh at me until I tell them this was the way I was able to buy my first home- all by myself. I'll treat myself to a cheeky bacon & egg mcmuffin on a Monday mornings (paired with free coffee from he work machine). And now I'm working on growing my own food at home so I can save even more!

Luckily live in a small town with no Starbuck, besides I don't like sweetened coffee drinks! Save a LOT of money.

That was what happened for the past few years already.

I dunno, yesterday's "fart" was pretty convincing. Looks like he tried to edit it out lol

SIGH.....

MC has

I was joking, look at the spelling.

Not eating out as much will really cut the costs by a lot. Pay off all those loans!

You can always sell your expensive car if you want to as long as you keep the money when you get paid for selling it.

you just stupid

Turtle Sage u only figure out those lessons AFTER you go thru them. Now u know

I’m in the same boat. I spend 1k+ on food a month 😂😭 and I’m single

Big question is are you using that thing that you pay a lot for? More spending the more time you spend on it. =D

=D

I thought that disclaimer was hilarious! ...and stated so professionally. lol

LOL!

Cracked me up

He's too funny!!

Putting the most money on what you enjoy most and reducing on things you don't care much about. Then you maximize value.

Thomas King - Totally. But then again I do buy probably a lot more convenient food than him. More stuff in jars, packets etc. I don’t do a lot of cooking from scratch like he does.

Yes I agree. He has the smartest budget mindset out of all the budget videos I've watched by far and trust me I've seen a LOT of other people's budget videos. It's good that he showed his personal budget and it's good that he still lives luxuriously with a nice car, clothes, travel, and not cheap out on his friends. A lot of budget videos try to tell us to skimp out on friends and skimp out on clothes and not to travel but common now...let us enjoy life a little.

Mortgage and insurance in the SF Bay area are both exorbitant, so no wonder you left it out. If you told people how much we spend on rent and insurance here, no one would watch your videos because they would think you're crazy for paying it. The same is true for what we spend to ride BART, and what we pay in tolls. Also, your food budget is lower than what is provided for a single person on food stamps in the Oakland/SF/SJC area ($180ish/month, I believe?), so it's hard to accept that $120/month is all you spend. However, if you also spend $100 eating out, that just about makes up for the difference (and I hope you're not one of those people who eats out and doesn't tip people). It's also hard to believe that you spend $0 on clothes at Banana Republic. It defies logic that you shop at a brick and mortar store and pay $0 yet walk out with clothes (unless you're committing theft). You can get some really good deals on the sales rack there, but $0??? Highly unlikely without stealing them, and hopefully you're not doing that.

your the real MVP.

How about not having to worry about money?

Man, My electric is $140 a month and gas is $80.... for a small house.... I wish I had your gas/electric bill.

Don Robertson he likely pays a HOA, and doesnt have a single family home.

=___=

Doing it that way makes your money work for you. You don't have to do it all the time but just until you have enough to live on. Then the options vastly opens.

Oh man... I think I revealed so much from my budget, lol.

You are probably right. I may or may not find out. =D

I agree it's different but still: there is lots of room keeping a budget with a family. Kids don't need as much stuff as they often get and it makes sense to at least agree with your partner about your financial goals. Otherwise you could also split the expenditures and keep your own budget separate from the "family budget"

Wife and kids increase your Budget 10 fold

You'll pay for school and/or daycare, Life insurance and disability to cover them in case something happens to you, diapers, formula, Larger Vehicle, Larger House, Toys, Extra curricular activity cost like soccer, swimming, baseball gear, a lot more when you eat out, etc... that's just scratching the surface.

Nelson Nakatsu maybe that's true for your case. In my case: GF has roughly the same budget as I do and she also earns similarly. Son (5 yrs) needs significantly less than each of us and I don't see that going up that much. And if so he has to earn his own money.

=D Thanks!

Then use it on things you do care about. =D

That's what I like to hear! It takes time to cut it down so much. So work on it slowly and try some cost cutting measure for size. If you don't like it, you can switch back. I've switched back for a few things myself.

I think that's the first time they ever did that! =D

Move to a different state that lifestyle will be way easier

Judy A. Shroads in other countries it‘s so normal to air dry laundry, it puzzles me everytime someone tumble dries their clothes, it‘s just ruining them so much faster...

Thanks!

Yes, vampire power can eat into things a lot. However, if the thing has a real switch, like a dumb toaster or a kitchenaid blender, they will not consume power at all when not in use.

Thank you! I'm glad I helped you in some way. =D

It's really good to evaluate what you spent after the fact. As long as you prep meals in advance and keep it delicious, there will be no cravings for take out. They will not want take out if it's good or better. For example, I really enjoy steamed fish and you cannot get it at most places.

CocoaFabulous It's the waste of food that gets me!! We're all culpable too.😕

With kids, if they want pizza, make it yourself, or at least cut out coupons during the month so you have them in your wallet when you do cave. Burgers? Keep frozen burger patties in the freezer with buns so you can just whip them out in a minute, throw a good brand of frozen fries (or make your own) into the oven and party down with all the fixins. Tacos are fast and easy, if you keep hamburger or ground chicken in the freezer, and use frozen tortilla shells, not pre-made. Any way you do it, it is cheaper than takeout. Cooking ahead also helps, so you don't have to cook when you get home, just heat it up.

ZZ Tinger I also worked at Target for years, and made around the same amount. it was hard.

Omg... how much is that an hour $6? Sheesh. I'v earned very little when I was young, seems like a whole month of work for $1000?

Target in Minnesota paid $7.50ph but would keep hours under an average to avoid paying us any benefits. Literally only a handful where full time. One week would be 23hours and next may be 30 hours. With a new born baby and bills, it was awful. Thankfully near ten years ago now and took joining the military to get out of it.

ZZ Tinger I also had a newborn. I am now a pharmacy technician, but I still struggle a bit

You're better off doing Uber and Instacart. I have a video in my Channel about both. I've been doing both.

No prob! Feed back helps me know what is important for you and other viewers. =D

Teriyaki sauce... you buy it ready made? Is it not just soy sauce and sugar mostly?

I worry about the inhaling of candle wax and/or soot. Not sure if that is good for you or not. It seems not too good.

+ BeatTheBush - I’ll look into that. Thx. 👍

LovingAtlanta oil diffuser r the betr way.led lights r just as cheap n healthier.

+ brandee bibi - Thanks. I will give it a try. 😁

Thank you for watching! I'm glad I can help. =D

Glad to hear it. =D

Oh yes. If they will offer 10% off then I would take it as well. =D

What about home insurance?

thanks for sharing. =D Wow.. that's some low usage. Hope you are saving some good emergency funds with that rate of savings.

Amazing..i am in the process of starying over, and i am going to be on a strict budget..i hope to follow your lead..Great work....

This is the scary part since I not well It not easy to save. I worked for a year at 1 of the top companies to work for in the USA. I had to resign. I am going to look at going back to work and getting more emergency fund. I am also a minimalist but not in a 2 fork kinda girl..lol I have 6...haha. My my daughter's father is a pilot and has million dollar home in Chicago. He can't figure out how in the world how I do it. I was looking at your patreon about helping improve my credit score. I went throught it the other day line by line disputing what should drop off. Could use some advise on that. The medical bills took a hold of my credit. :(

Thank you!!! When you get sick you have no choice. So just act like you have no choice and ask yourself...Do I need or want and that will help you a lot on making decisions on purchasing!

1000 dollars is a lot!, i only spend 100 a month ( Houston)

Like polishing your finances to a shine.

I guess that is separate and depends on your medical insurance needs. It's different for everybody so I didn't include it. That and housing adds to this of course.

I worry about plastic bottle to water contamination with extreme temperatures. I.e. too hot OR too cold in freezing. Not sure how well founded that is though.

I've covers one thing I do hold here: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-FxD7X3Ag9zE.html And in the past I covered investment ideas that I've since sold out long time ago.

You sold your Bitcoin???!

Budget tracking? I don't track budget. This is what I do. I normally spend at a minimum level. And if I want anything, I save so much that I don't have to worry about buying special items that are costly. I do need to look at my standing if the thing I want costs more than $1000.

You'll be one of the few that actually does that. Do it all the time and question some expenses and try something cheaper for size. I'm moving to something a bit faster but not super fast. The backbone is fiber so they can support it.

Thanks! =D

Thanks! =D

Good to try out new ways to save and just do them one at a time. Try out new methods.

You're welcome!

The couch!

Lifestyle inflation. Some things, people consider mandatory even when it isn't and will profusely require it even if it doubles in price.

My issue is cc debt from my 20s (I’m paying that off slowly but surely, that’s where all extra money goes too) and 3 kids, 1 in college , pets, school functions. It used to be groceries for 4 that hurt me. $800/mo but I cut that budget to $600 and the $200 I save is going towards paying debt. This is on a $40,000 budget for 4. I agree though it’s ridiculous and I’m trying to make all of our wrongs right.

If you are going to school on the GI bill, you have little or no student debt. If you are single with no children to worry about, that $100 surplus seems like a lot. However if you become ill or have an emergency, you will see how fast your 'debt' can balloon.

I have always adhered to the axiom of "It is better to understand than to be understood". That being said, I challenge you to move to LA with that 30K income and tell me how easy it is to live. You would be singing a different tune.

Well... I actually very sparingly use coupons. The 0.25 to 0.75 off stuff I skip. But when it's $20 off $50, or Free, I take notice. Much of the stuff you get with coupons are really bad for you so much of the stuff I buy never offers coupons.

Mostly the things I buy with coupons are toilet paper, paper towels..my makeup (smiles, I am a woman)..shampoos, conditioners...body washes...diapers for my grand babies and laundry supplies...so not a lot of edible products...but I only coupon at CVS so you would not find a lot of edibles there. But I am proud to see anyone that takes advantage of coupons whether it is for clothing or household items!

I'm on the fence about electric cars. When you factor in the cost of a battery replacement, it still does not beat out an efficient gas car.

Most cars never seem to need new batteries, except for the first model nissan leaf =) (new battery isn't as expensive though, or buy one with a dead battery and get the improved chemistry battery for a replacement)

Really? It'll be sorta boring in what I buy.... veggies upon veggies...

BeatTheBush i would watch that lol

Me too!

Yes!!! Do it. Like what stores and what days are best to purchase on. Clearance produce section?

I agree. I'd watch it to see where you shop & how to make the veggies stretch, esp bc it's perishable & how to cook for one person so you don't waste.

Depends on the person. Some people get great excitement planning their travels. I think it's half half. Lots of money is spent reserving everything.

Oooh that will be tricky and very liability ridden. I cannot tell people what insurance they should get as when something happens, I could be liable for not having enough. You see? I do have an insurance video that shows what you can do to reduce the rates here: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-rm9Cl2az4Rg.html

OK, I got it! Thank you so much for being our mentor!

Sengngy Kouch I used to work at an independent insurance brokerage here in Chicago. My advice would be to go with a well-known insurance company that everyone knows (Allstate, Travelers, Safeco,etc). A lot of people on a budget are tempted to go with companies that aren’t so well-known, which I understand, but then it turns out that if they have an accident, the lesser known company doesn’t offer them the coverage they need. In other words, they are paying less per month, but in the long-run, if there’s an accident, they end up paying more than if they would have gone with a more known company like Travelers, Allstate, Safeco, etc. Make sure to also pay attention for any additional fees that can add up or any discounts. For example, if you have kids on your policy, many companies offer “good student discount” if those kids have good grades. Many companies also offer a lower, discounted premium if you pay the new policy in full. Some companies charge you a fee if you choose a particular pay plan, so make sure you ask if there are any fees attached to them. Also, pay attention to the rates of different companies. Here in Chicago, and maybe elsewhere, the rates of Statefarm are ridiculously high because they’re restructuring. Finally, as I said, I would go with an independent insurance brokerage. As I said, i worked at an independent brokerage, and when I would see the rates getting too high with one company, I had access to a bunch of other different companies and could thus easily transfer them over so they wouldn’t find another broker and so they could have a good rate (win-win). Hope this helps.

Thank you very much, Ka Gala! Your comment is really helpful!

You're welcome! Thanks! =D

That sort of helps I guess. But then finding the right wife could lead to great happiness.

Hahahahaha

Joe Malone, thank u Sir.

My husband's a spender so it goes both ways

I'm female and an extreme budgeter... I don't think extreme budgeting is necessarily a male or female thing, I think it's just a quirky human thing.

Lol... yeah, that will be very expensive after a while. If your friends are frugal minded, you can do things to enjoy each other's company without breaking the bank. Sometimes, it can be fun to make it a point to hang out when there is a great deal somewhere. Thanks for your sub!

Its worse I live in the restaurant district!!! My friends are wealthy but I am always trying to look for a good deal. You do have a point I should look for something for us to do.Any ideas? You would be amazed at my life what deals I have but for some reason friends want to go out and talk and eat. Ty so much for contacting me!!!

@@shygirlnow2011 shygirl you may need to move.

change your friends.

=D Just remember even things that seem unable to reduce could be reduced with new tricks. I.e. my trash bill.

Thanks! Welcome! =D

Is it still too much spending? The cost of living in the US is pretty high and I did not include housing and 'extras'

BeatTheBush Yes it is still too much. I spend roughly around $300. I can only imagine how expensive it is to live in the USA.

Yup... one drink is $4-5 but I don't buy those. One meal is $10 for average restaurant price.

BeatTheBush Well... Same goes for Greece.. Low wages and high cost of living. I spend around $300 but I'm being very smart with my money.

Even higher in Australia, food is expensive

=D I'm glad! =D

I didn't really spend $500 on travel. This is actually the base amount I can sustain myself on if needed to. Housing is separate and I decided to leave that out since it varies so much from person to person. So for the purpose of this video, you compare everything EXCEPT housing.

Right so in that case, you don't really NEED restaurants, internet or movies either. Those are just nice to have if you can afford it. If you lost your job or something and just needed to squeeze by for some time you could do without.

Are you kidding? You NEED internet. Things essential for life: Food, Shelter, and Internet

BeatTheBush you don't NEED it, it's just convenient. You can go to any library and use the internet for free

Samuel Branham no you can't if you want secure banking, online shopping, etc. Even job applications....it actually is an essential in the way a landline used to be.

I made this a while ago. Here: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-Sum-57FX7A0.html

BeatTheBush thank you !

Thrift stores have tons of Banana Republic

Stephanie Rodriguez I love BR, for ladies wear it is best to shop during the events and off season if you don't have the credit card. Clothing that is trendy no matter the decade if you value style. I also used to enjoy Club Monaco (we had an outlet somewhat here in NYC, but it closed. Such great quality office wear).

Stephanie Rodriguez Even stores like “Marshalls” or “Burlington Coat Factory” or are those Chicago area stores only? Idk, lol but stores that have brand name clothes at discount prices!

The urge is great, I have that urge too. And I would go change them when I find really cheap LED bulbs on sale.

Nice! Glad you like them. It's crazy how cheap it is compared to a store.

hi!

Hello Whuttup Sista ! ;-)

He's a cutie,isnt he?

Hello Evelyn How Are You My Boo ?

Evelyn D'Haene hey momma

This shirt? It's because I happened to get this one from Korea. =D

its cos he is model thin and looks after his health. Clothes always look better on fit people

TimelordUk Whoa love.connection!

TimelordUk Hes good looking guy though.

Gemeplay I wish I could be as thin as him. I've struggled with my weight my entire life. No clothes look good on me. No matter how nice or expensive. It's sucks having these horrible fat genes from the family where I came from.

I cut my own hair. And I suppose the $500 allocated for travel will fill in the rest.

You seem to do a decent job with the haircut so might be a video that would offer value to others. All I can do is a buzz cut so I look like a prisoner most of the time :)

BeatTheBush I would like a video where you show us how to (properly) cut our own hair. I am serious about it. I spend a lot on haircuts.

LDM STUDIOS there are tons of good RU-vid videos for that

Pets are so expensive. One of my dogs has severe allergies & needs a weekly shot. They're worth it tho 😉

Ha ha... instead of movies? It's sort of something I enjoy once or twice a year. But I'm leaning on not even want to go to the movies since there is a chance of some kid kicking your seat the whole time.

It does indeed do double duty in terms of heating. =D But then does it warm fast enough?

I do that with Dim Sum. Heck no will I ever make that myself. Boiling crab. I don't get that place. I went with a few friends and we all didn't feel well after. The shrimps are not divined and I bet they do not wash the craw fish enough. So all that sauce is a huge mixture of seafood poo.

BeatTheBush Haha. Omg...yes on dimsum. I made siumai before. Not bad but I ate it faster than I made it and wasn't even full! And O couldn't replicate the flavor as well as I would like.

How how many people you know have that?

Most my friends do, but I also know plenty of people that don't think twice about budgeting. I thought it was really funny, because growing up this was the norm for me.

The Art of Dota The Pokémon all over the place?

I don't have netflix. Plus piratebay has it's obvious downsides.

Same. I haven't purchased a movie or Netflix subscription in a very long time. College life taught me at a young age those few doll hairs a month could go to better food that isn't ramen noodles. Now I just accept pirating as a normal thing.

greentealatte Netflix is going up again too.

Firestick

Good for you Mark. Corporations just want "recurring income" by hooking the masses on their programming like HBO's "Game of Thrones". HULU is spending 2.5 billion this yr for their programming NETFLIX is spending 7 billion on theirs. And soon raise their prices for the masses to pay for.

Stop feeling guilty means you live happier. It's important not to over do the going out budget though.

BeatTheBush true! Thanks! I budget $100-$120 per month so it made me glad to see that about what you budget!

I'm gonna try to make my own toothpaste going forward. Bar soap is so cheap. I haven't bought any for at least a year from the stock of free ones I got.

Ha hah a... toddler? I eat plenty well with live seafood whenever I want. Oh, I like to keep things clean and minimal.

Just joking dude. BTW I subscribed.

=D

Thanks! Not a problem, I'm glad to do it. =D

Dollar store LED bulbs. You might want to look at estimated lifetime and also power usage. The lifetime could be less and power usage more for cheaper ones.

lol... I have omitted those on purpose. I mean as it stands.. no lady over here but that might not be forever though. LOL! Why are you being so nice to ask others to cut down their power? It always seems people never really want advice unless they ask for it. Do know that I will not take such things if you keep on offering to pay. For one time or special occasions, I'm okay but I always pay for myself.

BeatTheBush well if u said $40k total annual expenses then lucky u for getting into the realty market early in s bay

Thanks!

Low meat high veggies. I only buy a few items of expensive proceed foods. 2 for $1 bell peppers. Buy lots of them. Rice. Chicken. Here is an example of $1 lunch: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-HTd_EDTB-qY.html

What kind of veggies? Veggies are really expensive where I live, especially for the calories you get from them.

Black Caesar beans, rice, pasta, potatoes, chicken thighs instead of breasts, skirt steak, sales,coupons. I can do about $120/wk for family of 4 if I try. & I get high quality meat & natural food brands (more expensive but worth it).

Wally Alief, the thing with veggies is that they give you fibre, very good for your guts, and calories can come so cheap when you combine with oil or potatoes which are calorie bombs, the right veggies and also potatos even have protein as well.

Emma Tessier Indeed. People complain how expensive they are but I will take protein and fiber from fresh fruits and vegetables any day. I personally think fast food and processed foods are more expensive.

If you really want a date, you have to put the whole package together. Clothes and all. =D

BeatTheBush ... I know but I never do just to go to Valero.... although I should.....

Then she isn't worth it, people need to see you inside screw what you have money for people forget that it's not what makes you.

yeah I am wearing same shoes for at least 10 years lol have had some new ones but they just arnt nearly as comfortable, also yeah by wearing such clothes you can filter out many of the unworthy women that you would otherwise have to search through

But u wouldn't so stop flapping ur fingers about it..

Whoa... quickly? =D Thanks for your sub!

BeatTheBush Yep✌

What about the man toys. Computers, camera, cars, tvs? Lol.

welshhibby not true Im a woman and Im the biggest cheapskate in the world trust me on that one

B.S. You just date like minded women. There are minimalist females. Granted they are rarer than men, but overspending, keeping up with the Joneses are not exclusive toward women.

You just haven't found the right woman. Real women are not interested in spending massive amounts of money. I literally get a little bit of a rush from saving money. Lol

Not really. I'm cheap. I rather eat at home, buy in low retail stores like Ross. Matter a fact I tell my husband he has to stop spending so much on stupid stuff and eating out with his "brothers" since he's Korean.