25 Tips For Preparing To Save Money (Transcript)

(Full Show Audio)

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All right folks another edition of the survivalist podcast living life through being more prepared and this is I think our

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Third 12th or 13th episode I think so I know we’ve been on a little vacation here

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Haven’t really done one of these in quite a while, but we’re back in the saddle again a

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lot of things going on folks

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Not gonna get too much into the news and stuff like that

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But today folks I’m gonna go over with you

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Cost-efficient ways to prepare to save money

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folks when it comes to being when it comes to the survivalist podcast roll about living life better than being more prepared and

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Sometimes being more prepared is just having

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You know more savings and stuff like that one thing you’ve learned about doing this pot one thing

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I’ve learned about doing this podcast and talking to you guys for quite a while is

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Everything in this podcast isn’t always about when you know stuff hits the fan. It’s not always about that sometimes. It’s just about people

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being more prepared and

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You know improving their lives by certain things and one of the ways we can all improve our lives is by having a little extra

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Money in the savings account for when things break around the house

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or for when

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You know we got to do you know look at that big purchase like a car or maybe a bigger home or?

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Something else you want to do may build yourself a garage something like that and having a little extra money

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In that savings account can always help you have either less of a mortgage less of a debt or something like that so

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Like I said very important to worry about savings so today on the show folks. I’m going to go over

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You know cost saving things you can do little things

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We can all do to help go ahead and save ourselves a little money

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So we can have a little more money in our bank account

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As always folks you can find all of our old shows at survivalist podcast.org

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And like I said folks we have we haven’t really been posting as many of these as I would like like say my wife and

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I have been pretty busy

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We got a lot going on, but I’m going to try to get back into a regular posting schedule with this podcast

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Like I said the podcast is something I really enjoy doing it’s very near and dear to me

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You know always being into you know business and and outdoors and survival and some of that

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This podcast is something I really like want to kind of get more in a regular routine of posting so

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But like I said 25 things we could do

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Like I said to cost saving these we could all do I kind of save ourselves a little money

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Like I said folks one thing you one thing to do when you’re talking about saving money

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I’m not telling you that you got to live like paupers

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I’m not you know you gotta have you know next to no money

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Well, I’m trying to say is you know you can all we can all do a little something just to save ourselves

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You know have a little extra money in the bank. You never hurt to have a little extra savings

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They I know a lot of times you look a lot of these financial advisors and stuff like that who we say you should

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You know have you know six months of bills you know bills and expenses in a savings account

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I mean, I think that’s great if you can do it, but a lot of us can’t I

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Know a lot of people that say to me all the time

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You know that you know the you know paytage paytech, and I think that’s the case for most middle-class Americans

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You know we all have a little savings, but it’s kind of tough sometimes to stock away that kind of money

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You know in a savings account so

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Because we all run into those things and you know we all try not to use our credit cards and stuff like that so

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Sometimes we keep paying for stuff in a pocket like that

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You know it could be a little bit tough to

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Try to keep putting you know it’s hard to you know say okay

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I to spend you know you know a couple thousand this month to fix something around the house been oh

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I’m supposed to put you know a couple thousand a month into my savings is some of your paychecks only go so far so

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Sometimes we have to dip into that money or savings or sometimes we have to use the credit card so it

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I know people say all time

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It’s important to keep you know six months of bills and expenses in a savings account somewhere

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But I know realistically that’s hard for most most you know most most middle-class Americans to do anyway, so

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But what this is these are some cost saving tips and some of the stuff folks you might have thought of some of this stuff

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You may not have thought of these are just some cost saving tips that you can do

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To go ahead and save yourself some money and to be able to put some extra money in your savings account

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Like I said folks you do that

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You should have a savings account or at least a Roth IRA account I’ve talked about this on previous shows

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And you know just put $50 a month away in there

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You know $50 a month times you know 12 months a year. You know that that’s about

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$600 so

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You definitely should start doing that what I found just some tips that I found if you’re gonna have to keep reminding yourself to put

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It away

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Generally you won’t what I have what I found the easiest way to do it is I have

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Just you know I have it just taken right out on a certain day of the month

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Takes $50 out of my account just right in my savings account

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And I think everybody should do that and like I said it’s easy enough if it’s automatically pulled out you more forget to do it

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Or anything like that and this way to you put it away in your savings and you hang on to it

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For safekeeping for you know rainy day, and like I said, it’s one of the things that that if you have it electronically done

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It’ll be easier because every month you because I know myself personally. I’ve been that way you know

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Oh, yeah tells a month. I had a lot of extras. Maybe I won’t do it this month if it’s automatically pulled out

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It’s gonna do it no matter what so that’s all table

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I and then you know even if you don’t do $25 a month

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You know any anything just to keep make sure every month you put some money away

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So we have a little savings a little nest egg for yourself if you when you come up to those big bills very important

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And to folks by the way when you do have all that money

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You know stocked away like that very very important for you

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To go ahead and you know

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If you and your husband or use yourself

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You know make sure before you take that money out you say do we really need this should we really spend the money?

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You know it’s it’s very important to do something like that you want to make sure that money doesn’t get used for vacations

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stuff like that that money is strictly for

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Savings and it may be an emergency if you both your husband or wife can agree on it so

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Very important make sure you put at least $25 a month away in a savings account

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And you’d be surprised how quickly it builds up and how much you can you know how happy you’ll be

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And not just for those big important things you know you have kids they need to go to school

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You know college all that kind of stuff so very very important to you know put that money away, but there are 25

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costs saving tips you can do

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The first thing I’m gonna first thing I’m gonna put on the list number one buy food smarter now what that means

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Buy it buy food smarter. I’ll tell you exactly what that means so what it is is when you have

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You know if you’re if you have I don’t know how big your family is my wife myself

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You know my daughter only a family of three so it’s a little bit easier for us

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But you know if you have me know maybe four or five kids

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You know an easy way to save money

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Okay, give you example if you decide one morning you want to go out for a bagel or something like that in the morning

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Okay, instead of going out and buying four bottled buttered bagels which would probably be two three dollars apiece

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Okay, buy a dozen bagels buy a stick of butter

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ask them to cut the book ask them to cut the

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Bagels for you, and when you get in the car all four or five of you butter your bagels boom done nine bucks for

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You know a dozen bagels. You know was it a dollar for a stick of butter for ten bucks everybody can have two bagels

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Okay for ten bucks you all have breakfast rather than two three four five four dollars for a ham egg and cheese

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Stuff like that little thing something like that. I know it sounds nuts, but you make a big difference

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No, I think – you guys are going to the beach for the day

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Okay, so instead of going out to the hoagie store all buying you know buy four or five hoagies spending twenty thirty dollars

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Okay, it’s very simple you go to the deli get a pound of bologna pound of

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Cheese loaf of bread okay for ten ten twelve bucks you got

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Sandwiches for everybody okay. I know it sounds kind of nuts

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But you’d be surprised how quickly that’ll add up so see if your family of four or five

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That can add up rather quickly

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So nothing to folks instead of buying four or five bottles of soda

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Buy one two liter and get a thing get a thing of cheap cups okay three four bucks

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Instead of two fifty three dollars a bottle of soda

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Little things like that buying food smarter can make a world of difference when you’re trying to put money away every month, okay?

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Seriously big big cost savings can come out of that very easily just by

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Buying food even if you want to buy food out buying food out smarter

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All right next thing folks another cost saving thing you could do cut back on your cable now

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I know that’s gonna sound crazy, but when I was growing up. I’m not old I was growing up

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We only had channels one or two was a two to twenty one because higher cable stations were more expensive

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I’m not saying you got a ditch cable not saying you can’t have just cut back

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You may be able to cut back just surprisingly enough on just by stuff

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You know you know just sit around and say hey what you know it’s not enough to be you know family meeting

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Just sit around say hey what chance do you watch what chance do us what chance do you watch if you find out that?

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You know you got a you know son that just watches Netflix and now a daughter that you know only watches CW

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And your wife doesn’t really watch TV and all you want is you know?

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Fox there’s no need to have channel zero to 200 so

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You know just something little like that can actually help you put away. You know a couple of awesome month in savings

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It’s a very basic thing just something just look into and see

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Another thing folks do now. I’m not myself

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I’m not a big one to go out, but I’ve or somebody go out instead of always

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You know friends going out going out going out invite them in for a change okay?

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Have them over for drinks have them over for dinner

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Something like that it actually could be a lot cheaper

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You know buying a bottle of wine and staying home

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Could be much cheaper than going out and buying a couple glasses of wine just a little cost saving thing to try

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When you go shopping folks

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Try don’t you know try not to buy name brands and that goes with anything whether it’s food

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Clothing anything you know I’m not saying everything there’s some stuff you may want to buy a name brand

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I know myself

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I you know I always buy a certain type of boot because they fit my foot well

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And I don’t have any you know my arches and all that so there are certain thing you may want to buy a name brand

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There are certain things you may not need name brand

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You know maybe those Levi’s jeans are just as good as the Walmart brand jeans

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Maybe you can find knockoff jeans online

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You know you go in there

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You know say you’re some say you’re a family that and it doesn’t have to be everything you like it could be something minor

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You know say you’re a family that doesn’t really eat a lot of cereal

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But you do have it because every so often somebody wants a bowl of cereal

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Maybe you don’t need you know for us to flakes

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Maybe you can buy the no name brand save yourself two dollars there

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So little things like that if you try not to buy name brand can actually save you quite a bit of money

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Another thing folks to cut back on not only cut back and going out, but cut back on the amount of going out to eat

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Now you notice I said cut back. I did not say don’t

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Okay, because there’s a difference

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You know if you’re somebody that’s doing out to eat you know three times a week

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Maybe you want to go down two nights a week say you’re somebody that maybe likes to go out to eat

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But say instead of again buying smarter. Maybe instead of buying you know a bunch of dinners. Maybe you buy two pizzas

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Okay, so instead of buying four or five me dinners you buy two pizzas

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Baseball night or on soccer practice night know that okay, so again

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Maybe you want to cut back on either either by either if you don’t want to cut back and going at the eat

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Maybe just buy smarter. Maybe you might want to say well. I don’t want to buy smarter

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Maybe we’ll just go out two nights a week instead of three okay

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There are a lot of ways you can adjust these rules to fit your own personal

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You know your own personal needs

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nothing folks

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Refill your water bottles. I know it’s gonna sound kind of nuts, but if you know you’re gonna need water bottles

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Okay, try to refill them so say you buy a not you know bottle aquafina out today

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You go home fill it up with your filter

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You know you’re you know go through it make sure your water is filtered very important

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Fill the you know fill the bowl the bottle up with refillable close it up

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Put it in the fridge next morning when you go to leave for work leave for practice leave or something

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Grab that water bottle out of the fridge

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And there you go

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Okay, makes life a lot more easier, okay?

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Rather than spending you know two or three dollars for a bottle of water

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Okay, you can save yourself two three bucks that day. Okay refill the water bottles

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Well make sure you’re filtering your water to you never know. It’s in it waters minerals. You never know toxins

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What’s in the water always always filter your water?

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Another thing very very basic easy thing to do put a timer on your lights

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Not hard to do dust till dawn sensor. Let me tell if you want the light time

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I know myself. I like the lights on at night so I can see what’s going on. Okay?

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light goes on at

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You know at dusk come back on at dawn. Okay, very easy anyway. You don’t look the lights run all day

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Okay, nothing to time on your lights

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Make sure you have a timer on them in other words. Maybe you want motion send maybe those lights by the

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You know by the shed, maybe you don’t need them on all night long

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Maybe you just need them on a motion sensor, okay?

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Little things like that. I’m not saying don’t have lights on I’m just saying look at the way you’re using them

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Maybe you don’t need the light out all time at that one portion

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Maybe you don’t want it when an animal or a person walks by put it on a motion sensor

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And it light only coming on once maybe a night would be cheaper than it running all night

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No little thing you can do okay watch your lights another thing folks another thing on the list you can do

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Okay, cut back in your subscription services. Okay now. I say this. I’m not telling you got to cut back on all of them

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I’m not saying cut your Netflix account okay. All I’m saying is cut back on them. I didn’t say no

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Subscription services I said cut back you know and that’s it this could be a very easy thing to do

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You know if you like HBO shows okay, say you like HBO shows, but say you like the older ones

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Okay, and you have Amazon Prime

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Okay, you can get those services

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You know on Amazon Prime

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Okay, so you know you may be able to cut back your HBO

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May be able to cut back your HBO now subscription also to if you have Hulu

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I believe they offer Showtime so if you have a Showtime subscription say you already have Hulu

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Maybe you maybe you can cancel Showtime and just use your Hulu subscription

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Okay, very easy very basic not saying you have to get rid of all of them

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Just cut back you know and then it’s easy to do too

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Maybe you know if you find that you’re getting you know a magazine every month, and you’re just not reading it stop getting it

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Okay, very easy. It’s not just not just not just Netflix

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Not just you know Hulu not just HBO, and you know you go for anything

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You know say you’re one of those people that are getting you know Lootcrate

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Maybe you don’t need everything you get in your Lootcrate box, so maybe you can cancel that maybe you have a podcast

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You know that you subscribe to there. You know maybe it’s like behind a paywall

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And maybe you’re listening to us more now, and you don’t want to listen to that other show anymore

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Cancel the subscription not telling you to do that and just saying it’s an option

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And if you are listening to this show more than their show I want to thank you for that

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So another thing folks you can do

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To you know is go to the library now. Why do I say that?

00:15:13.400 –> 00:15:17.300
it’s a very basic very easy thing to do and

00:15:17.300 –> 00:15:24.360
Instead of constantly going on the Kindle and buying books and all that or instead of going on Amazon.com and buying books

00:15:24.360 –> 00:15:28.500
You can go to library get the book for free. They usually do have all the new bestsellers

00:15:28.720 –> 00:15:34.720
Again, not a big thing just an option save yourself a few dollars or well actually Kindle books only like nine bucks

00:15:34.720 –> 00:15:37.860
if you get the paperbacks or the hardcovers you’re spending like 20 bucks, but

00:15:37.860 –> 00:15:41.160
You know nine nine nine on Kindle isn’t that bad?

00:15:41.160 –> 00:15:45.840
But again if you want to save yourself ten bucks go get the book from the library read it old-school paperback

00:15:45.840 –> 00:15:48.060

00:15:48.060 –> 00:15:50.060
Some other things folks you can do as well

00:15:50.060 –> 00:15:55.220
If you want to if the ideal thing for health reasons we obviously quit smoking

00:15:55.420 –> 00:15:58.920
But if you can’t maybe roll your own cigarettes, okay smoking

00:15:58.920 –> 00:16:03.960
I find is a rather huge expense for people that they don’t seem to ever want to get rid of it despite

00:16:03.960 –> 00:16:08.120
How much it cost them maybe you don’t I’m not saying you got to quit smoking even though it’d be healthier for you

00:16:08.120 –> 00:16:12.900
But I am telling you maybe you might want to roll your own cigarettes look into you know what it cost you and

00:16:12.900 –> 00:16:15.180
Way the cost difference you find you know hey

00:16:15.180 –> 00:16:20.980
It’s cheaper for me to get you know tobacco, and you know roll my own cigarettes, and you know I save myself ten bucks a month

00:16:21.620 –> 00:16:25.480
Maybe that’s what you do. Maybe you’ve raised up a couple packs of cigarettes every few days

00:16:25.480 –> 00:16:31.200
I don’t know whatever is whatever is better for you, but that’s something you can look at as well to go ahead and save money

00:16:31.200 –> 00:16:33.540
I’m not saying you have to quit smoking even though it’d be healthier for you

00:16:33.540 –> 00:16:36.680
But you can go actually go ahead and roll your own cigarettes, or maybe you want to try vaping

00:16:36.680 –> 00:16:40.860
There’s a lot of options you could you could actually do so

00:16:40.860 –> 00:16:46.240
Go ahead, and you know look at that, and it might be something you want to do it depends

00:16:46.880 –> 00:16:52.540
Another thing folks you can do to save money as your light bulbs go getting the energy-efficient bulbs now again

00:16:52.540 –> 00:16:54.340
Not something you have to do, but it is a way

00:16:54.340 –> 00:17:00.100
I know some of those energy-efficient bulbs the the light sometimes it’s not as as good so maybe you

00:17:00.100 –> 00:17:05.420
It’s up to you. Maybe you might want to maybe you won’t but it is an option for you can save money that way

00:17:05.420 –> 00:17:10.140
Couponing when you can now I’m not saying you have to do everything

00:17:10.140 –> 00:17:16.100
But what I am saying is if you know there are a lot of coupon apps a lot of you know coupon emails and stuff of that

00:17:16.740 –> 00:17:20.280
I know myself just the other day my wife, and I we got it. You know we have a

00:17:20.280 –> 00:17:27.040
Homestead we’re working on and we’ve been buying a lot of stuff from from Home Depot and stuff like that because we’ve been fixing up

00:17:27.040 –> 00:17:29.000
The you know we’ve been fixing up the house

00:17:29.000 –> 00:17:32.520
we’ve been you know work you know we’re gonna work in a garden this summer and stuff like that and

00:17:32.520 –> 00:17:34.800
You know I

00:17:34.800 –> 00:17:38.760
Noticed that there’s been $300 you get $50 in additional

00:17:38.760 –> 00:17:43.560
Spending or you can use that $50 and take it off your bill, so

00:17:44.160 –> 00:17:47.940
You know I can either spend $50 you know I can do it so I need $350 worth of stuff

00:17:47.940 –> 00:17:53.740
Or I can save $50 when I go so little things like that use coupons when you can I know myself

00:17:53.740 –> 00:17:56.980
I pay attention I get the Home Depot emails every couple days

00:17:56.980 –> 00:18:00.660
I like I said my wife, and I we did you know just purchase a new home recently

00:18:00.660 –> 00:18:03.480
And we are working on you know fixing it up. It’s an older home

00:18:03.480 –> 00:18:07.180
So we’re working on fixing it up, and you know working on you know chicken coops

00:18:07.180 –> 00:18:12.300
And and doing a garden and stuff of that so I know I’ve been keeping an eye on the Home Depot stuff and on the low

00:18:12.300 –> 00:18:17.180
Stuff too because we’ve been making quite a few purchases from there, so you know go ahead

00:18:17.180 –> 00:18:19.900
You know get on the coupon emails there are coupon apps

00:18:19.900 –> 00:18:25.160
With technology nowadays, it’s very easy to get coupons so keep an eye on that stuff. We use them when you can

00:18:25.160 –> 00:18:28.960
Know that you can do folks stop buying lunch out

00:18:28.960 –> 00:18:30.880
You went out

00:18:30.880 –> 00:18:35.300
I do want to point this out to if a lot of people depends on who you are some people will buy breakfast out

00:18:35.300 –> 00:18:37.900
some people will buy

00:18:38.700 –> 00:18:44.620
You know lunch out if you’re buying two meals a day out. That’s a lot you may if you’re buying two meals a day

00:18:44.620 –> 00:18:49.220
Maybe you just want to buy one out maybe bring your you know make your breakfast at home and get your lunch out

00:18:49.220 –> 00:18:54.040
I recommend not bringing lunch because lunch is can be you know seven eight nine bucks a day which

00:18:54.040 –> 00:19:00.120
Times five days in a week if you’re spending ten bucks on lunch is $50 times that by four to two hundred dollars

00:19:00.120 –> 00:19:02.020

00:19:02.020 –> 00:19:05.880
I’m not recommending. Maybe you know I’m recommending or even if you want to keep buying your lunch out

00:19:05.880 –> 00:19:08.620
Maybe you’ll it maybe you Brown bag at two days a week, okay?

00:19:08.620 –> 00:19:14.220
Not saying you have to but you know and some of the other things folks you do too if you want a long car rip

00:19:14.220 –> 00:19:17.980
car trip bring you know bring food with you

00:19:17.980 –> 00:19:18.740
You know you’re gonna do it

00:19:18.740 –> 00:19:23.500
You know you’re gonna be going to shore Jersey Shore or something like that you know four five six hour ride

00:19:23.500 –> 00:19:27.500
Pack some drinks in a cooler pack some sandwiches in a cool show to keep stopping and spending money

00:19:27.500 –> 00:19:33.180
Okay, and by the way I want to put out the same thing goes for you guys you guys that are hardcore coffee drinkers like me

00:19:33.540 –> 00:19:38.400
I mostly bring my coffee every day cuz I’m you know home mostly but

00:19:38.400 –> 00:19:43.040
You know I make a pot and I drink the pot all day cuz it’s cheaper

00:19:43.040 –> 00:19:46.540
I mean you know, but you know if you’re somebody that goes out for Dunkin Donuts every day

00:19:46.540 –> 00:19:49.060
Maybe you want to cut back me want to get the Dunkin Donuts

00:19:49.060 –> 00:19:53.320
You know maybe the the bag and maybe make yourself a pot and fill yourself up with thermos before you leave

00:19:53.320 –> 00:19:55.440
That could be a cough saver for you

00:19:55.440 –> 00:19:57.520
Even if you’re somebody that’s in a rush all time

00:19:57.520 –> 00:20:00.400
You know get a cake if you have a cake cup machine

00:20:00.400 –> 00:20:04.340
You know get yourself a little cake ups now. I know some people gonna say okay cups aren’t cheaper

00:20:04.340 –> 00:20:10.820
Well, you’re right, so if you get a cake if you get cake ups for 11 11 bucks you get what 18 in the back

00:20:10.820 –> 00:20:15.920
So when you still look at it, you’re still spending a buck 10 buck 20

00:20:15.920 –> 00:20:23.940
For a large cup of coffee rather than what almost three dollars four dollars depending on where you go Starbucks five sometimes

00:20:23.940 –> 00:20:28.180
So it can be cheaper a cake up even can be cheaper depending on what coffee you’re drinking

00:20:28.460 –> 00:20:31.400
You got you got look at how much you’re spending versus

00:20:31.400 –> 00:20:34.740
You know how you know what you you got to look at the cost savings

00:20:34.740 –> 00:20:38.720
But I would say it’s usually always cheaper to bring your coffee for the most, but even if you use a cake up

00:20:38.720 –> 00:20:43.160
For a lot of other people some other cost savings stuff that I really think you should try

00:20:43.160 –> 00:20:45.080

00:20:45.080 –> 00:20:51.000
One of the things I’ve been telling people if you’re a mom and you have people you trust swap babysitting with them

00:20:51.000 –> 00:20:54.080
Okay, childcare can be a major expense

00:20:54.340 –> 00:21:00.420
Okay, if I know some depends on the step of daycare you have I know my wife and I don’t really have daycare

00:21:00.420 –> 00:21:03.060
We rely on her family or my family to watch our daughter

00:21:03.060 –> 00:21:05.780
she’s getting a little older now, so but

00:21:05.780 –> 00:21:11.220
You know we do rely well, so we’re kind of we kind of get away from having to spend stuff on childcare

00:21:11.220 –> 00:21:15.580
But I know that for a fact that some child care you pay by the day

00:21:15.580 –> 00:21:20.060
So I have made a suggestion to call friends of mine. They’ve done it. You know if you have say a friend of yours

00:21:20.620 –> 00:21:24.780
You know maybe that’s off on you know you try make sure people you trust you I mean obviously

00:21:24.780 –> 00:21:28.820
I don’t leave your children to me don’t trust this to save a buck, but this is a place where sometimes

00:21:28.820 –> 00:21:34.080
Sometimes you may not want to skimp personally. I wouldn’t myself but

00:21:34.080 –> 00:21:38.380
You know if you you know if you have you know somebody you really really trust to watch your daughter

00:21:38.380 –> 00:21:42.600
You may want to say you know Eric your son you want to say hey

00:21:42.600 –> 00:21:46.860
You know you’re off on Thursdays you watch my kids on Thursdays, and then I’m off on Friday

00:21:46.860 –> 00:21:52.380
I’ll watch your kids on Friday now. I know it sounds kind of nuts, but you’re saving a whole day of childcare

00:21:52.380 –> 00:21:54.540
That could be you know

00:21:54.540 –> 00:21:57.140
50 60 70 hundred dollars

00:21:57.140 –> 00:22:02.160
Depending on where you’re going okay, so it’s very very important make sure you know

00:22:02.160 –> 00:22:04.800
But if you’re gonna skimp if you’re gonna try to save a little money on

00:22:04.800 –> 00:22:07.980
Child care make sure it’s somebody trust make sure

00:22:07.980 –> 00:22:13.220
If you’re going to to do this make sure you trust the people don’t skimp

00:22:13.500 –> 00:22:17.680
On this one if you’re not too sure the people spend the money on daycare, okay, I would

00:22:17.680 –> 00:22:22.460
Hey, but if it’s a good friend of yours you see even if it could be like your sister or

00:22:22.460 –> 00:22:26.060
Or you know a sister-in-law something like that or a friend or your mom

00:22:26.060 –> 00:22:29.780
You know if they’re doing their home say hey, would you watch you know even even your mom just say hey?

00:22:29.780 –> 00:22:33.700
You know she’s home one day a week to say would you mind watching your grandchild one day a week?

00:22:33.700 –> 00:22:37.580
It’d save you a fortune one day a week times four days could be a lot of money

00:22:37.580 –> 00:22:41.740
So building you can do there with your kids save yourself a couple of little money

00:22:42.780 –> 00:22:46.700
No other thing folks you can do try to fix stuff yourself. I know it sounds if you’re not handy

00:22:46.700 –> 00:22:50.500
I know it could be tough not everybody’s like me and can is very handy

00:22:50.500 –> 00:22:53.220
If you’re not very handy you’re not gonna be able to do this

00:22:53.220 –> 00:22:57.580
But if it is something minor you can fix yourself fix it yourself save yourself the money one of the things that

00:22:57.580 –> 00:23:01.020
Cost you a fortune is always getting the guy in to do things

00:23:01.020 –> 00:23:05.020
I know my friend he gets somebody to plow you get somebody into shovel

00:23:05.020 –> 00:23:07.880
He gets somebody in to cut his lawn he gets somebody in for this

00:23:07.880 –> 00:23:12.740
You know if you keep getting the guy and keep questioning see where you can you know see where you can cut you know?

00:23:12.740 –> 00:23:17.140
If you can you know if you can you know get a snowblower and snow blow and save yourself

00:23:17.140 –> 00:23:19.460
cup-thrones laws of season on

00:23:19.460 –> 00:23:23.860
You know snow won’t let me be worth it. You know if you want to cut your lawn

00:23:23.860 –> 00:23:28.620
Yourself so getting somebody to do it for you. Those are all things that can save you money I

00:23:28.620 –> 00:23:33.420
Know they can do save money start a garden now at the beginning

00:23:33.420 –> 00:23:35.020
This isn’t gonna be a big cost savings

00:23:35.020 –> 00:23:40.300
But if you keep it going if you’re you know all year long you actually in the long run will save money

00:23:40.300 –> 00:23:44.340
But it will be some time you have to invest in it obviously if your crop doesn’t make it

00:23:44.340 –> 00:23:47.860
You could lose my system one of the ones you can save and you could lose too

00:23:47.860 –> 00:23:52.700
But normally if you long as you’re growing as long as you know how to grow stuff. You should be in good shape

00:23:52.700 –> 00:23:56.940
Another thing folks you can do take public transportation or carpool

00:23:56.940 –> 00:24:01.660
Probably carpooling we better than public cuz public transportation can cost you

00:24:01.660 –> 00:24:08.520
Maybe everyone vehicle sometimes. It’s yeah, maybe sometimes actually cheaper to take your own vehicle than it is to commute

00:24:09.620 –> 00:24:10.900
Those you know by the way folks

00:24:10.900 –> 00:24:14.860
I don’t know if you know that some people I thought that’s and I’m like oh spending $200

00:24:14.860 –> 00:24:17.300
$250 a month to take the train and I’m like

00:24:17.300 –> 00:24:21.520
Yeah, but yeah getting up to your saving wear and tear and miles in your car

00:24:21.520 –> 00:24:24.600
So yeah, you are saving there for just the cost is up to $25 a month –

00:24:24.600 –> 00:24:29.260
You know three it’s messy. You know some places. You know it’s

00:24:29.260 –> 00:24:35.260
Sometimes if you calculate parking in it, so that’s easy to take public transportation so in that case yes, it is cheaper

00:24:35.780 –> 00:24:41.960
But yet the way that the cost savings there also to folks if you carpool with a couple people you work with that can be a

00:24:41.960 –> 00:24:45.260
huge cost savings save and again you know your

00:24:45.260 –> 00:24:47.220
That can be a big cost seems

00:24:47.220 –> 00:24:51.700
I strongly recommend if you can when you if you work at a place you all get on and off at the same time carpool

00:24:51.700 –> 00:24:53.700
very important

00:24:53.700 –> 00:24:56.680
Okay, the other things folks to cut back in your cell phone bill

00:24:56.680 –> 00:24:59.520
Notice I didn’t say turn off your cell phones

00:24:59.520 –> 00:25:01.300
Let’s day and age everybody needs your cell phone

00:25:01.300 –> 00:25:03.600
But I can’t say cut back what I mean by cut back

00:25:03.940 –> 00:25:07.160
If you have a 10 minute, you know if you have a 10 gig plan every month

00:25:07.160 –> 00:25:09.300
You know usually using maybe five of it

00:25:09.300 –> 00:25:14.380
Maybe one might cut back see if you can cut back a couple gigs. Maybe you can save yourself some money, okay?

00:25:14.380 –> 00:25:17.220
Nothing folks to be a check your phone bill

00:25:17.220 –> 00:25:20.460
You maybe you never know I I have one time was going through my phone bill

00:25:20.460 –> 00:25:23.500
I found out I had an extra line that I was paying for that it wasn’t even using

00:25:23.500 –> 00:25:29.120
So you know very important go through your phone your cell phone bill go through all your bills in the comb

00:25:29.120 –> 00:25:31.620
I know they do your credit cards go through make sure you’re not

00:25:32.180 –> 00:25:36.580
You know don’t have any extra charges that you don’t want on there all the little stuff with X saving money

00:25:36.580 –> 00:25:40.980
Another thing folks you do save money consolidate your student loans

00:25:40.980 –> 00:25:46.920
You know you have AES you have a lot of student loan consolidation companies out there consolidate your loans

00:25:46.920 –> 00:25:51.940
You can save yourself a ton of money that way. I know it’ll look like a reconsolidation in your credit report, but that’s okay

00:25:51.940 –> 00:25:55.740
You know a student loan reconsolidation in a credit report won’t really hurt you

00:25:55.740 –> 00:26:02.020
So if you’re looking if you wanted to go ahead you know making one monthly payment for 15 years rather than four monthly

00:26:02.060 –> 00:26:05.420
payments you know a student loan usually

00:26:05.420 –> 00:26:07.220

00:26:07.220 –> 00:26:09.700
Percentages usually can be lower to if you’re reconsolidate

00:26:09.700 –> 00:26:15.520
So you can’t save yourself a couple percent over the course of a bunch of years so look at that. That’s an option for you

00:26:15.520 –> 00:26:17.620

00:26:17.620 –> 00:26:19.620
Now this one’s easy for me cuz I don’t really shave

00:26:19.620 –> 00:26:25.380
You know I’m kind of doing I kind of do the whole beard thing, but guys you know some of you guys shave all time

00:26:25.380 –> 00:26:30.960
You know one thing you can do switch from Gillette razors to like generic razors. I know myself

00:26:30.960 –> 00:26:33.400
I switched I cuz I do shave once a while

00:26:33.400 –> 00:26:35.960
Especially if I have to you know drive in for a client or something like that

00:26:35.960 –> 00:26:37.340
I will clean up a little bit

00:26:37.340 –> 00:26:43.400
But one of the things folks you have to do if you’re gonna go ahead cut you can cut back on your razors

00:26:43.400 –> 00:26:47.820
Instead of using Gillette’s or one of the name brands which dollar shave Club for like six bucks a month

00:26:47.820 –> 00:26:49.420
You get four blades a month

00:26:49.420 –> 00:26:54.000
They also to have the not so hairy that I make up the name the not so hairy thing

00:26:54.000 –> 00:27:00.580
Or if you’re somebody who maybe a shaves every so often like me for six bucks every other month you get four blades

00:27:00.580 –> 00:27:05.480
So six bucks a month rather than twenty or thirty dollars for Gillette razors can be a huge cost savings

00:27:05.480 –> 00:27:07.500
So guys go ahead and use generic razors

00:27:07.500 –> 00:27:12.360
You can also get generic ones on Amazon and and so that you can get you know Bix pretty cheap

00:27:12.360 –> 00:27:16.700
So that’s so look into what you’re using shave. You can save some money ladies same thing with you guys

00:27:16.700 –> 00:27:21.360
So the only thing folks you can do is save some money something little don’t speed

00:27:21.360 –> 00:27:25.500
Speeding tickets can be an extra expense every month that you money you could have saved

00:27:25.500 –> 00:27:29.320
So try not to speed that could be a big cost saver right there

00:27:30.320 –> 00:27:35.220
None of these folks to cut back in your trash. Okay, if you have two big garbage cans outside

00:27:35.220 –> 00:27:40.260
Maybe you can cut back to smaller cans save yourself five maybe ten bucks a month

00:27:40.260 –> 00:27:46.120
Okay, how you can cut back in your garbage very simple. You could either you can start composting

00:27:46.120 –> 00:27:50.960
You could start taking loads to the you know, you can start, you know, scrap meddling

00:27:50.960 –> 00:27:55.000
There’s a lot of things you can do to reduce back on your trash. You can start recycling

00:27:55.820 –> 00:28:00.560
Usually recycling is free and that would actually cover and if you can recycle, you know

00:28:00.560 –> 00:28:02.940
I know it sounds like a lot but you get two bins ones

00:28:02.940 –> 00:28:07.040
This is trash is recycling if you can cut back on your garbage and maybe go down to one can

00:28:07.040 –> 00:28:13.200
I know we did that here for a while where we we actually recycling was free, but garbage was not so we actually went ahead

00:28:13.200 –> 00:28:21.160
And we’re had one can for recycling and one can for garbage and we cut back to one can and that’s what we’ve done ever since

00:28:22.720 –> 00:28:29.640
So folks to some other things first I do want to point out if you are somebody who is on medication

00:28:29.640 –> 00:28:33.960
You may want to find out if you and if you have insurance, it’s not that big of a deal

00:28:33.960 –> 00:28:36.880
But if you’re somebody who has to pay out of pocket a lot of your medications

00:28:36.880 –> 00:28:39.400
You may want to actually go ahead and look and see if you can take the generics

00:28:39.400 –> 00:28:42.640
Not something if you have insurance, maybe you don’t worry about this

00:28:42.640 –> 00:28:45.040
But you’re somebody that that does have to pay out of pocket

00:28:45.040 –> 00:28:48.220
You may want to look into your generics that might be a way to save you a couple of dollars

00:28:48.220 –> 00:28:50.960
also folks to

00:28:50.960 –> 00:28:54.740
Manage your heat and air situation now when I say by managing heat and air situation

00:28:54.740 –> 00:28:56.740
What I mean is if it’s a summertime

00:28:56.740 –> 00:28:59.740
Maybe you don’t need it 60 degrees in the house when it’s 100 degrees outside

00:28:59.740 –> 00:29:03.240
Okay, maybe we want to leave something comfortable like 72 74

00:29:03.240 –> 00:29:07.720
They I think the ideal 72 they say most systems you can save yourself some money there

00:29:07.720 –> 00:29:11.780
As far as the heat situation as long as the heat on 80 if you keep it we keep it about

00:29:11.780 –> 00:29:16.720
About six now. I’ve said we haven’t we have our new heating system. We’re still working on the new house, but

00:29:16.720 –> 00:29:19.240
Heating situation here in our old house

00:29:20.000 –> 00:29:25.820
We keep it about 68 70 and we usually do pretty good with the heat night. We turn it down to about

00:29:25.820 –> 00:29:32.040
5560 somewhere in there and usually we stay pretty decent on the heat. We don’t really have that big of a heat bill

00:29:32.040 –> 00:29:34.560
So that’s something you can do as well

00:29:34.560 –> 00:29:38.800
Some other things folks you do as far as your expenses for your household

00:29:38.800 –> 00:29:44.720
Obviously your water bill I see the the water bills kind of a tough thing to cut package

00:29:44.720 –> 00:29:49.320
You can’t come back in showers. You can’t come back on that and recycling water sometimes to be really disgusting

00:29:49.720 –> 00:29:53.520
So, you know something, you know, as far as your water bills not whole like you can do about that

00:29:53.520 –> 00:29:55.520
Just make sure you’re not

00:29:55.520 –> 00:29:58.080
You know, you’re not running the water for no reason

00:29:58.080 –> 00:30:02.060
You know, you still you know, you’d be surprised how much water you actually go through

00:30:02.060 –> 00:30:05.320
Also –

00:30:05.320 –> 00:30:11.920
When it comes to cutting back, let’s say your electric bill turning off lights and rooms and stuff of that obviously is really basic stuff

00:30:11.920 –> 00:30:15.280
Something told me – if you’re if you have a fridge or freezer

00:30:15.280 –> 00:30:19.580
You’re not using you can turn it off but and how we accept fridge and freezer we go there

00:30:19.580 –> 00:30:24.040
We’ll use I know so you can turn down the freezer temperature turn down the other temperature saves money

00:30:24.040 –> 00:30:27.800
But I don’t like the idea of my food risking my food and my meat getting spoiled

00:30:27.800 –> 00:30:29.700
So I’m not sure if I would actually do that

00:30:29.700 –> 00:30:33.520
But that is something that I’ve heard people say you can do I’ve never done it and I wouldn’t recommend it

00:30:33.520 –> 00:30:35.520
But something you could do

00:30:35.520 –> 00:30:40.960
And also to folks, you know as far as your home loads insurance stuff of that that’s other bills you can save

00:30:41.200 –> 00:30:46.660
All I said, I don’t recommend you cutting back in your home owners insurance obviously now make sure you ensure your house for

00:30:46.660 –> 00:30:49.240
You know what it’s worth and what your contents worth a lot

00:30:49.240 –> 00:30:52.300
But you may want to look at you doing a price comparison for that

00:30:52.300 –> 00:30:57.360
What I found sometimes if you if you shop around you can get a better price for the same coverage you’re getting

00:30:57.360 –> 00:31:00.920
Also, that might be something and the same thing goes with your car insurance stuff like that

00:31:00.920 –> 00:31:04.560
Only thing to folks you can also do folks you have credit card bills

00:31:04.560 –> 00:31:07.280
and I think mostly everybody has some credit card debt, but

00:31:08.480 –> 00:31:13.060
Folks if you have credit card bills if you call the company and see if you can negotiate down the rates

00:31:13.060 –> 00:31:17.140
Sometimes that’s something else you can do as well to save yourself a little money every month

00:31:17.140 –> 00:31:18.960
That’s an option as well

00:31:18.960 –> 00:31:23.760
And my two folks may have credit card bills you always pay more than what they asking to try to get it paid off much much

00:31:23.760 –> 00:31:24.600

00:31:24.600 –> 00:31:28.700
You saw as your mortgage payment goes of that a lot of people say all refinance your finance

00:31:28.700 –> 00:31:30.620
You got to be careful when you refinance

00:31:30.620 –> 00:31:33.100
You sometimes can cut back the what you’re paying

00:31:33.280 –> 00:31:39.060
But you know if you’re gonna spend four or five thousand in closing costs, and you’re gonna save yourself

00:31:39.060 –> 00:31:44.760
You know ten twenty dollars a month may not be worth it if you can drop your your interest rate

00:31:44.760 –> 00:31:48.680
Maybe two or three percent you may save yourself some money in the long run

00:31:48.680 –> 00:31:53.720
But if you’re gonna spend thousands and thousands dollars in closing costs it may not be worth it

00:31:53.720 –> 00:31:55.720
Especially if you’re not looking to stay there forever

00:31:55.720 –> 00:31:58.360
I like this house my wife, and I own here

00:31:58.360 –> 00:32:02.360
You know eventually we’re gonna look to rent this out when we move to our new home when that’s

00:32:02.880 –> 00:32:06.760
All done being when we’re done remodeling that and folks I want to point that out, too

00:32:06.760 –> 00:32:08.600
That’s something to you might you know a lot of people’s a time

00:32:08.600 –> 00:32:12.680
But you you know you know you guys are moving to a to a homestead and stuff of that

00:32:12.680 –> 00:32:14.940
I mean we’re not fully operational homestead

00:32:14.940 –> 00:32:19.000
You know residential electric is that but we’re looking at solar power and stuff in that

00:32:19.000 –> 00:32:22.320
But I do want to point out folks one of the ways you can actually go ahead and save money

00:32:22.320 –> 00:32:26.160
If you’re looking to do some that is to actually do most of the work yourself

00:32:26.160 –> 00:32:30.920
You know my wife, and I are able to afford move to a bigger home because we got it really really cheap

00:32:30.920 –> 00:32:34.420
And you know I’ve been doing most of the work myself on you know

00:32:34.420 –> 00:32:38.580
Whenever I can get over there, so that’s one of the reasons why I mean you guys been hearing about this house

00:32:38.580 –> 00:32:39.360
for about a year now

00:32:39.360 –> 00:32:44.620
And that’s one of the reasons why I taking so long because I’ve been working on it when I can so that’s you know if you

00:32:44.620 –> 00:32:49.220
Want to you know that’s one of the reason ways you can actually buy a bigger home is you know if you’re willing to get

00:32:49.220 –> 00:32:51.220
Handyman you have somebody who is pretty handy

00:32:51.220 –> 00:32:56.760
Doing a lot of the work yourself can seriously seriously save you a lot of money, and you can actually get you know

00:32:56.760 –> 00:32:59.080
You know if you do the work yourself

00:32:59.440 –> 00:33:01.720
You know you can get your money out of it

00:33:01.720 –> 00:33:07.820
And that’s some two books you can do by the way you know if you are looking to you know to purchase property

00:33:07.820 –> 00:33:08.780
You know look look at it

00:33:08.780 –> 00:33:12.480
Make sure you know it’s what you like and if you get it for a cheap price as long as you’re willing to fix it

00:33:12.480 –> 00:33:13.720
Up put the time into it

00:33:13.720 –> 00:33:17.880
You always get your money back as but real estate is one of the very few things as long as you

00:33:17.880 –> 00:33:22.760
You put the time and the labor into it usually always get your money back

00:33:22.760 –> 00:33:26.080
And that’s what we’re doing with this house. You know I put a lot of time a lot of money into it

00:33:27.220 –> 00:33:31.200
You know we’re working on like I said putting we’re gonna put some solar panels on there to save a little money

00:33:31.200 –> 00:33:34.600
Or you know we’re looking at general. You know we’re putting in generators

00:33:34.600 –> 00:33:40.420
Some of that so we’re you know we’re still using residential electric and so that but we have our own septic our own well and all

00:33:40.420 –> 00:33:43.820
That and we do a backup power and stuff of that so that’s the important thing

00:33:43.820 –> 00:33:46.860
But you know folks like I said you know if it comes to

00:33:46.860 –> 00:33:52.380
To you know getting getting plate getting a home and stuff of that you know if you if you’re renting right now

00:33:52.380 –> 00:33:54.340
I should recommend to look at purchasing

00:33:54.340 –> 00:33:58.160
One thing about renting I have to tell you folks when you rent you are paying somebody else’s mortgage

00:33:58.160 –> 00:34:00.280
So go ahead, and you know

00:34:00.280 –> 00:34:05.640
You should really look to purchase if you can and hopefully you know

00:34:05.640 –> 00:34:08.680
You know everybody you know hopefully I said to you

00:34:08.680 –> 00:34:13.080
Do if you if you’re willing to put the time into it you can get a lot of cheap deals on

00:34:13.080 –> 00:34:15.600
Homes and stuff of that you know sometimes you know if you’re renting

00:34:15.600 –> 00:34:19.140
You know spend a five six hundred a month you might want to look at something buy something

00:34:19.140 –> 00:34:21.440
That’s a fixer-upper, and you know fix it up

00:34:21.440 –> 00:34:25.040
You know may not be exactly what you want at the beginning, but at the end you’ll have what you want

00:34:25.040 –> 00:34:29.700
And you know then you’ll be have something that’s yours rather than somebody else’s

00:34:29.700 –> 00:34:35.680
So that’s my advice about that, so you know folks like I said that thousand to 25 tips

00:34:35.680 –> 00:34:39.820
For cost saving stuff to save yourself money

00:34:39.820 –> 00:34:45.580
Like I said folks you can find all of our old shows at survivalist pot at survivalist podcast org

00:34:45.920 –> 00:34:52.680
We’re on rate like us and review us on iTunes and like I said you can find us as well on stitcher

00:34:52.680 –> 00:34:56.480
And all the other places where podcasts are available

00:34:56.480 –> 00:35:02.560
I want to thank you very much for listening, and we will see you on the next survivalist podcast

00:35:02.560 –> 00:35:02.880