This video is VERY relatable, especially the food and treating yourself sections. I have pretty much zero self control when I get my money, I'll make sure to keep this video in mind whenever I get paid.

I don’t necessarily want to live frugally, I want to live a little more intelligently especially in my spending ☺️ love your videos

There are three nice things about buying groceries as soon as you're paid: 1. You're more likely to buy healthier food versus eating out. 2. You'll feel guilty about eating out when you have a whole pantry/fridge full of fresh food at home. 3. If you grocery shop and budget properly, you shouldn't be able to afford to eat out. 😆 My wife and I got into the habit of sitting down on Sunday or Monday and creating a menu for the week. Then we use that menu to create our weekly grocery list for the necessary ingredients for each meal. We've found that it helps us eat healthier, fresher, and on a budget. This process actually makes eating out somewhat of a hassle because we have to go back and revise our menu plans.

A few tips for cars: try not to run your gas tank below a quarter tank..it strains the fuel pump and can prematurely wear out which will cost hundreds to repair .. In the winter, try to keep your car at half a tank or more so it doesn’t build up as much condensation.. Preventative maintenance goes a long way..tune ups when necessary are essential yes we don’t want to dish the money out but then again it could save hundreds down the line..last but not least if you want something affordable and reliable and easy to fix/maintain go Toyota or Honda.

Going to the bank to get my cash for the week (and avoiding ATM fees) then filling my fuel tank on the way to buy groceries/supplies on payday is something I have done for decades. It truly does save money. Maybe it stops the "scarcity mentality"? It sure saves on stress. I know I can get to work. I have food, cash in my pocket and enough to pay my bills. I don't feel the need to buy extra stuff not on my list. I also get something from the deli while I'm at the store so I can go straight home.

Even experts disagree with each other. So your advice is just as valid as anyone else's. :)

First thing I do when I get paid is paying my self! I send money for saving and retirement. I work so hard so I totally deserve to keep some for my self before I pay bills and start spending. Nice video, great content as always 💜

I just pretend I’m poor af making $20 a week and just spend it on food. Since I’m on a bit of a “vacation” (unpaid 6 week jury duty trial), I spent more, but I definitely plan on implementing my $20 per week routine. I’m going to take out $40 from my bank and keep $20 on me to pay for stuff at places.

I started to pick up money which other people loose on the streets and too lazy to pick up. A dime here, a quarter there or just a penny. When I walk around I keep my eyes open instead staring on my iPhone like a zombie. Over a year, I found $120 in change!!! $120 for free, which paid for two weeks of food! Good spots are around parking pay machines and ATMs, also around the vacuum cleaners at gas stations! This has become a fun hobby of mine and I compete with a buddy of mine who does the same! It pays to keep your eyes open! :)

So helpful and genuine, big thanks to you. After ive paid all my bills i treat myself to a chicken Korma. And maybe a new string to my guitar. (,i'm a session musician). I like the way you talk it through, with your real concern for everyone out there. We are living in very scary times. 👍🌍🌱

I also pay all credit cards as soon as I get paid. You know spend it before you can spend it 😂😭

Your videos inciling me towards digital minimalism i recently bought an godly aesthetically external HDD to organize my digital clutter

Can recommend food shopping for a week only: I am the one who pays all the bills so I tend to only shop from Friday to Friday, and we try and eat everything in the fridge. Cuts the bill right down, esp if you only get what you actually eat up. Every 2 months I stock up on sauces and cupboard essentials.

Great video once again Nicholas. This exact topic I taught in one of many classes years back. A key point to being frugal and senseless spending is brown bag to work. I started the semester with asking the students to try taking their lunch along with healthy snacks eat day and maybe 3-4 kept at it. Couldn't believe the financial gain and eating more healthy.

I am only two minutes into the video and it's quite relatable. You have a new subscriber.

Great video, I like the idea of filling up with gas on payday and buying food.

Excellent video, Nicholas! Great ideas explained very well. I am very happy with your journey out here n how you have your own way of influencing your audience. Very commendable job. Stay blessed!

Thank you, your channel really inspires me. Your advise has really helped me in trying to live a minimal life. Keep your videos coming 😀

Great video, Nicholas! Thanks for sharing! Cheers from Brazil!

I love the content and even love the acting part. I’m happy that I’m learning and at the same time getting entertained. Thank you, Nicholas.

Hmmm, maybe a future video could be "Nick checks out games from the library to see if he has fun?" 🙂 On payday I put a big credit on my Visa based on the cost of my monthly bills, plus a little for my DI (disposable income). The rest is automatically zapped out for savings/investment.

It’s been a minute, but loving the increase in your quality! You continue to improve on an aesthetic level but also conceptually. Really enjoyed your points here. Wish you continued success!

Love this channel, i know how to manage my money spend.

"debt dumping" was how i paid off the remaining 16k of my private student loan in 9mo. how: i got a new job that increased my income considerably & avoided lifestyle creep. knowing my monthly budget for needs allowed me to calculate the extra i made that month & dump it into debt payments. now, that overage goes to savings.

Really sound advice! I think most of us have a love hate with money. And I appreciate you doing the research so we don’t have to lol. I think you could delve more into the “Paying myself” part. Or how you treat yourself? I love the artwork, and as always the editing is so good! Your videos really are movie quality. Your videos never disappoint!

Great video as always, very insightful! Been following you since before you had a thousand followers and im excited for how much your channel and following has grown! 30k, wow!! Congratulations and keep posting great content 🖤

Ah! I'm honestly happy I stumbled on your videos. This is exactly what I need! PS I'm also going through all your videos because "minimalist" "frugal living" "tech" got me!

This videos is educational and applied in every one of our life ,Such a good video .Specifically Saving part is so good

Great video, Nicholas! Keep up the great work 💯

Amazing advice Nick! Paying off debt hit a little too close to home but this gave me really useful and tangible information on how I can improve not only the way I use my money but how I think about it!

Practicing frugality now. I am still using my old laptop which I used for college, that was given to me by my dad, it is still working well!

because of covid-19, I was unemployed, So when I roll up this video , inevitablely I love up to the vlogs'es attitudes, thanks for your share with us.

I love your videos! Nice quality & great content 👍

Note to myself: 1. Don't go out being hungry, especially to the grocery shop. Our have snacks with you. 2. Don't buy coffee 3. No junk food 4. Pay the checks in advance on a payday 5. Fill the car with gas on a payday 6. Buy food on a payday for a longer period 7. Pay off credits faster 8. Put aside some money on a payday

This is really helpful and prompted me to open another savings account. You definitely provided value to me. Thanks, Nicholas!

Thank you very much mate!! I am having trouble living frugally, though god knows I want to do it. My salary ain't good enough for savings as such, but I manage to do a bit of savings. This video gives a few ideas, which perhaps I can explore.

Great video! I like everything you have shared with us in the video. 😊🌟

Thank you for talking about such an important topic. In my personal experience, finances is a topic that is not being discussed enough. We don't really learn about it at school, so I feel very lucky to have started watching KZfaq videos just like this in my early twenties. It made become very mindful of where my money goes and keeping track of my spending for 4 years now enabled me to allocate my close-to-minimum-wage earnings towards what really matters to me-travelling, investing in my content creation projects, building up an emergency fund and investing. Grocery shopping is a crucial point to me. I can easily end up spending double the amount of money on food in a month when I'm too lazy to go to the cheaper grocery shop that is outside of my commute to work. As a result, I spend more. The food that is available to me in the small shop near my house also tends to lower my energy levels, as it's usually more unhealthy than items from the other shop. If I choose to go to the cheaper shop, I have to walk 40 minutes with my groceries to my home, but I count it as a light workout and give myself a day off from the gym those days. It is worth the sacrifice even if it takes extra willpower-in which I'm the same, when I'm hungry, it is zero!

Nice video, some great tips to be found 👍

really great advice, I enjoyed the video..Thanks

Hi. Thank you. I really like your video. Very informative, practical and inspiring

Solid suggestions.

this is such a beautiful video, thank you.

Great video. You probably know it already but the audiobook of "The Total Money Makeover" accords with a lot of your ideas and goals; i would recommend it if you havent heard it before. You are on the right path and you are going to absolutely crush it when you get to zero debt and can invest fully. Your approach is impressive. Thanks for the video.

Creating wealth > saving

Although English is not my primary language, but your explanation is easy to understand. The content gets to the point in an appropriate video length.Thank you for sharing.

I'm 25 been working for 5 years , and I have 65k save on a 15$ hour , and keep going 💪

great video!

I always had a problem to save bigger amounts of money. For few months now I try to keep the X amount on my account so when payday comes up I withdraw this amount and hide to my safe so I can have physichal money just in case I wont have option to pay by card. Also to save for something. Generally speaking I;m in my learning process with saving money even though I should do this way few years back but looks like I'm a slow learner in some things :) Thank you for your videos. In the past 2 years Ive been minimazing and trying to live better etc. This year I found your channel and I found out so much to implement in my life :) Greetings from Poland ^^

Great video and great points again. On the subject of loans it’s best to check the terms first or when you are paying, some loans (over in uk at least) can sometimes charge a fee if you pay it off early. Usually if there’s an apr on it. Really great video again buddy

New Subscriber!! Man I LOVE your content! As a beginner Essentialist and a Minimalist, I've enjoyed this journey! So far... Lol. I am a strong Christian and it's been a challenge to me as well as going through a divorce now and it's a strong priority to restructure myself and to make ME happy and make my lifestyle better. I stumbled onto your channel and I've ever since LOVED IT! #salutefromOhio

1/ GET PAID 2/ SEND 30-40% TO SAVINSG 3/ 10% BILL ACCOUNT 4/ 10% SHARES 5/ 10% EMERGENCY FUND 6/ 30% TO LIVE ON

Thank you

nice video idea-- i'm always curious as to how people manage their pay when it lands. i get paid monthly and immediately transfer set amounts to sinking funds, investments and emergency fund. what is left goes towards my bills and fun spending. seeing the full amount sitting in my chequing account for too long makes me uncomfortable!

Keep going, Great content!

Filling you tank with gas when you get paid, does that impact how much you use your car at all? I feel like it could easily become an excuse to use it more, because you already filled up, so you don't have to worry about it. I don't have a car, nor a public transit pass, but I have a prepaid card where you add tickets in bulk (10 or 20 usually), and I tend to top up as needed, but I think that if I made it a routine to do this every payday, I would likely walk less and take public transit more, because those "extra" tickets were already there and paid for.

I have been watching your videos and I absolutely love the fact someone shares the same ideas like me. Also, I believe a minimalist like you will genuinely appriciate having a motorcycle for public transportation at some point. For my case I appriciate it every single day, not just because of the gas mileage, but also because the sense of a certain freedom and a general minimalistic idea of it in my opinion.

Can you make a video ,About the Design of Minimalast Room? And some tips for being a good minimalist

One thing I’ve done is to find out from the power company what the average bill was for the place I lived. Then I paid at least that amount year round. When the bill was bigger, I paid the total of the bill. After a few years I would have an excess paid in so I could go a few months on the balance paid in. Knowing that if I had a low check or unexpected cost and still be ok on utilities was worth it. However, you NEVER do this with your rent. Getting money back from a landlord is like pulling a angry lion’s teeth!

Your content is very good 👍

Never thought about getting gas and buying groceries right after pay day, thank you! 🤦‍♀️

I question anyone who just puts in $10 or $20 for gas when they visit the pump. Just fill it to the max whenever you are near low, and you'll coincidentally make the least trips possible.

I pay debt(car loan&student loans), savings, then I get whatever is left over. If I don't have to pay insurance and my phone bill that week i get more to spend. I never give myself more than 200 of spending money a week. Gas comes out of my spending money and anything else that's not a fixed expense. So anything I've bought with a Pay By 4 and subscriptions, because those are things I don't need and I think of them as comfortable and not necessary. If it's coming out of my comfort money then I can see the impact of my spending habits outside of my bills. Makes me think harder when I want eveything all at once on payday.

I divide my expendable income by 4 and split it for the 4 weeks. This allows me to not overspend and don't get the Month End broke phase.

Lucky me, I only have mortgage payment with 2.75% ($177K balance). I don't have credit cards debt, student loan, car loan ect. I wish to payoff my mortgage early and I can retire sooner. I only buy what I need and save up in my money market account with interest rate 1.65% -1.96% and 401K to get a better life when I retire, no rely on social security if it runs out of money in the future.

I just commenting after such a long time ban from

I was just wondering if you know the material that your bed sheets are made out of as I would like to purchase some.

Hey bro! I have tendency to spend money I don’t have on electronics since I love iPad,laptop,headphones etc… I’m working on paying it off now! It’s gonna take like 2 years tho ! Good video man!

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When I got my first full-time job at age 25 I made it a priority to pay off my ~$20k in grad school debt within about 18 months. I also maxed out my 401k contributions to get the full matching funds from my employer. It's rarely spoken about (though an increasingly practical reality for many) to either stay living with or move back in with your parents if you can until you are ready to start your own family. If I had systematically invested the ~$80k+ I spent on rent and living expenses after finishing college I could probably retire at 50. I don't plan to "retire" though, just increasingly add to my experience and skills to take on only projects I want to work on (mostly my own).

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Just got paid today, as soon as this video drops. A sign, perhaps? Thanks for the content, Nicholas!

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I love you channel already!!!!!

Damn I just realized I never go inside gas stations lmao

Which farming game were you playing there? was that Farm Together?

Hi! Thank you so much for another beautiful nad very useful video!

Cool video as always Nicholas! Was wondering what is the name of the game that you were playing at the beginning of the video? Have a nice day/night!

Great video! What camera do you use?

I only Have home loans

I always say whats the rush to show off..

Do i have to pay off all ny debt or leave 5% on it.

Lastima que no se tenga subtítulos al español.

Going to get gas each paycheck is also not the best. Pros get gas and fill up and don't go back til you are close to e

Yo what video game was that 🤣 :28

Dinkum is the game at 0:30? Would you recommend it?

What kind of plant is that at 5:50?

What kind camera do you use?????👁️👁️

You can't be true minimalist because you are doing things ;-D

I agree with the sentiment but disagree with the prioritization. Saving 50 dollars a month for an emergency fund would mean it would take you much longer than a year to save even 1k. It would take you more than a decade to get your actual 3-6 months expenses. You should be slamming hundreds of dollars into that fund until it’s topped off. Literally as much as you can after rent and essentials are paid. Also, the gas thing as #2 seems weird. You should fill up your tank when you get gas, filling it up 10-20 bucks at a time is not really going to make your gas consumption higher whatsoever (tho it may damage your fuel pump)

Any tips for someone who spends 60% of their income on housing?

You attitude on dept should be simple, the money you get paid is not yours if you owe money to someone, therefor paying off dept and paying more should be a certainty, not an option. The best way I found is round it up to the nearest £50, keep it simple, manageable and consistent, if you can do more, throw an extra £50 / £100 in as well. Most minimum payments will be very small by design to make you feel thousands in dept is manageable and hold you there paying insane amounts of interest every month, you're being milked essentially at this point, taken advantage of, do you like giving money to someone for nothing? Get angry about it and channel that into motivation, don't be okay with it. I understand people fall into dept for all sorts of reasons and don't always have the means to spare a £1 let alone anymore, this doesnt apply to all and I understand that, it did work for me though and hopefully helps someone else too. Mindset / attitude on money makes all the difference sometimes.

Go to the gas station when it's relatively cheap and you are nearly in need. I don't like the gas station when paid attempt.

Get gas on payday!

Hey Nicholas! I’m a huge huge HUGE FAN! I love all your videos! I wondering if you invest into stocks and stuff! I’m a huge noob in this topic and I would be really interested in those type of vids!

Things I do when I get paid. Rent Bill. Food Bill. Gas Bill. Other Bill. No money left.

🔺🔻🔺🔻🔺🔻🤤

But do you ever spend money on fun?

Dinkum😂