1 00:00:00,120 --> 00:00:02,560 Speaker 1: Welcome to How the Money. I'm Joel and I and 2 00:00:02,680 --> 00:00:05,840 Speaker 1: Matt's and today we're discussing seven ways to save more 3 00:00:05,880 --> 00:00:27,800 Speaker 1: money this week, this week, and this week only, Joel, 4 00:00:28,840 --> 00:00:32,040 Speaker 1: limited time only, you can save intemperate different ways. Okay, 5 00:00:32,080 --> 00:00:33,960 Speaker 1: so we have to admit that this totally sounds like 6 00:00:34,000 --> 00:00:36,320 Speaker 1: a clickbait article, right, Like it's like a limited time 7 00:00:36,320 --> 00:00:38,479 Speaker 1: only kind of thing. This is the kind of episode 8 00:00:38,479 --> 00:00:40,520 Speaker 1: title that we're trying to get folks to listen to. 9 00:00:40,520 --> 00:00:43,159 Speaker 1: Totally sounds like a blog post, but like, yeah, it 10 00:00:43,159 --> 00:00:46,880 Speaker 1: sounds like fake news. It sounds like some ripped off 11 00:00:46,960 --> 00:00:49,920 Speaker 1: article on some news site that doesn't have legitimate news articles. 12 00:00:50,120 --> 00:00:52,320 Speaker 1: But but this is legito. We are going to actually 13 00:00:52,320 --> 00:00:55,600 Speaker 1: talk about seven different ways that individuals can save more 14 00:00:55,600 --> 00:00:57,600 Speaker 1: money this week. Yeah. And I think Matt and I 15 00:00:57,640 --> 00:01:01,840 Speaker 1: we always try to straddle the kind of personal finance advice. 16 00:01:02,000 --> 00:01:04,920 Speaker 1: Sometimes it takes the form of more long term or 17 00:01:05,040 --> 00:01:07,440 Speaker 1: more of a mental approach, and then sometimes you just 18 00:01:07,480 --> 00:01:09,920 Speaker 1: need like news you can use like right now, right Yeah, 19 00:01:10,080 --> 00:01:13,360 Speaker 1: and I think this this episode today is something that's 20 00:01:13,360 --> 00:01:15,440 Speaker 1: basically news you can use right now, and and it's 21 00:01:15,480 --> 00:01:17,440 Speaker 1: seven ways to save more money this week if you 22 00:01:17,480 --> 00:01:20,080 Speaker 1: tackle one of these things each day for the next week, 23 00:01:20,200 --> 00:01:22,640 Speaker 1: you will save money and it will help your bottom 24 00:01:22,640 --> 00:01:24,680 Speaker 1: line immediately. And that was kind of the goal with 25 00:01:24,720 --> 00:01:26,399 Speaker 1: this episode. That's what we want to do is give 26 00:01:26,440 --> 00:01:31,120 Speaker 1: you specific ideas that will affect you almost immediately, like 27 00:01:31,160 --> 00:01:33,160 Speaker 1: today or tomorrow. So yeah, if you pay attention to 28 00:01:33,240 --> 00:01:35,240 Speaker 1: this episode, you'll have more money in your bank account 29 00:01:35,319 --> 00:01:37,679 Speaker 1: by next Tuesday. Yeah. Man, you know one of the 30 00:01:37,720 --> 00:01:39,160 Speaker 1: things that that we're not going to talk about this 31 00:01:39,200 --> 00:01:41,319 Speaker 1: episode that I wanted to mentioned, uh, is you can 32 00:01:41,319 --> 00:01:44,440 Speaker 1: save money by shopping at Aldi, our local. That's all 33 00:01:44,480 --> 00:01:46,440 Speaker 1: you ever talked about. I love all the dude. Our 34 00:01:46,480 --> 00:01:49,080 Speaker 1: local Aldi is getting renovated. Have you been there recently? No, 35 00:01:49,280 --> 00:01:50,680 Speaker 1: I haven't been there a couple of weeks there, What 36 00:01:50,760 --> 00:01:52,840 Speaker 1: is wrong with you renovating? Okay? Yeah, So I think 37 00:01:52,840 --> 00:01:54,080 Speaker 1: a lot of the all these that have been around 38 00:01:54,120 --> 00:01:56,880 Speaker 1: for a while are a little run down, little chevy. Yeah, 39 00:01:56,920 --> 00:01:58,760 Speaker 1: because I will say I've been to a lot of 40 00:01:58,760 --> 00:02:02,280 Speaker 1: all these all across the country, whether it's visiting family 41 00:02:02,320 --> 00:02:04,040 Speaker 1: in the Midwest, or we'll go to an Aldia and 42 00:02:04,040 --> 00:02:06,520 Speaker 1: when we go to the beach, your relatives are like Matt, 43 00:02:06,520 --> 00:02:08,200 Speaker 1: you want to go to the local museum. It's the 44 00:02:08,280 --> 00:02:11,280 Speaker 1: highlight of your visit. Can you swing by instead? Um? 45 00:02:11,320 --> 00:02:13,640 Speaker 1: But I will say our Aldi is by far the 46 00:02:13,639 --> 00:02:17,400 Speaker 1: most run down Aldi that I've ever been in. Every 47 00:02:17,400 --> 00:02:20,080 Speaker 1: single Aldi that we've ever been to, UH is always 48 00:02:20,080 --> 00:02:22,360 Speaker 1: either just bigger or nicer, And so I guess that's 49 00:02:22,400 --> 00:02:23,760 Speaker 1: what they're doing. They're kind of stepping it up a 50 00:02:23,760 --> 00:02:26,160 Speaker 1: little bit, making a little bit nicer of a shopping 51 00:02:26,200 --> 00:02:28,800 Speaker 1: experience perhaps, But honestly, I don't really care all that much. Man. 52 00:02:28,840 --> 00:02:30,440 Speaker 1: It's all about the money, you know, It's all about 53 00:02:30,440 --> 00:02:32,200 Speaker 1: the dollar, and so as long as they keep those 54 00:02:32,200 --> 00:02:34,519 Speaker 1: prices where they are, I'm happy. But it is cool 55 00:02:34,560 --> 00:02:38,200 Speaker 1: to to see folks who might be turned off by, 56 00:02:38,320 --> 00:02:41,919 Speaker 1: you know, maybe a more rundown store that our location, 57 00:02:41,919 --> 00:02:44,120 Speaker 1: that it might be a little more inviting to those folks. Well. 58 00:02:44,120 --> 00:02:46,120 Speaker 1: I think AUDI is starting to see too, a little 59 00:02:46,120 --> 00:02:49,280 Speaker 1: more competition in the space, especially in the lower cost 60 00:02:49,320 --> 00:02:53,359 Speaker 1: grocery space. Legal is a grocery chain from your I 61 00:02:53,480 --> 00:02:55,480 Speaker 1: D L. Right, That's how I spell it, and they 62 00:02:55,520 --> 00:02:58,639 Speaker 1: have incredibly low prices as well. But the stores they're 63 00:02:58,639 --> 00:03:00,360 Speaker 1: building are much nicer than all the I think all 64 00:03:00,360 --> 00:03:02,320 Speaker 1: all these starting to feel the pressure, like Okay, cool, 65 00:03:02,360 --> 00:03:04,320 Speaker 1: if we're going to compete in the space we we 66 00:03:04,480 --> 00:03:06,640 Speaker 1: owned it. For a while, we were alone, and we 67 00:03:06,639 --> 00:03:08,959 Speaker 1: were a complete departure from what the bigger grocery store 68 00:03:09,000 --> 00:03:11,160 Speaker 1: chains were doing. But now there's a little more competition 69 00:03:11,160 --> 00:03:12,880 Speaker 1: in that space, and so yeah, they need a liven 70 00:03:12,919 --> 00:03:14,880 Speaker 1: things up and making a better experience for people to 71 00:03:15,000 --> 00:03:16,920 Speaker 1: still want to come there. Yeah, for a while they 72 00:03:17,000 --> 00:03:18,880 Speaker 1: said we don't need to have a craft beer section 73 00:03:19,440 --> 00:03:22,959 Speaker 1: and a nice rue ale, but now we're gonna have 74 00:03:23,000 --> 00:03:25,400 Speaker 1: a whole I'll dedicated to meats. Listen, all the I 75 00:03:25,440 --> 00:03:28,400 Speaker 1: need the fancy meats and cheese is okay? They they're spicy. 76 00:03:28,400 --> 00:03:31,000 Speaker 1: Salami is excellent. Yeah, it is good. That's uh. That's 77 00:03:31,000 --> 00:03:32,640 Speaker 1: what we chopped up at the beach right for the kids. 78 00:03:32,919 --> 00:03:34,679 Speaker 1: So yeah, that's so good. Also, I'll still need it 79 00:03:34,720 --> 00:03:37,000 Speaker 1: for lunch sometimes too. All right, Matt, let's mention the 80 00:03:37,000 --> 00:03:39,200 Speaker 1: beer that we're having on the show today. This one's 81 00:03:39,240 --> 00:03:42,840 Speaker 1: called Dad Jokes by Morgan Territory Brewing, and this one 82 00:03:43,000 --> 00:03:45,720 Speaker 1: was sent to us from listener Brent out in California. 83 00:03:45,800 --> 00:03:47,720 Speaker 1: So big thanks to to Brent for sending this beer 84 00:03:47,760 --> 00:03:49,520 Speaker 1: our way. Looking forward to giving our thoughts on this 85 00:03:49,560 --> 00:03:51,080 Speaker 1: beer at the end of the episode, and of course 86 00:03:51,080 --> 00:03:53,480 Speaker 1: made it's perfectly appropriate that you and I are each 87 00:03:53,560 --> 00:03:56,240 Speaker 1: drinking one of these beers. You've got kids, I've got kids, 88 00:03:56,680 --> 00:03:59,240 Speaker 1: uh so we should be drinking dad jokes. I do 89 00:03:59,360 --> 00:04:01,160 Speaker 1: make stupid jokes from time to time as well, And 90 00:04:01,200 --> 00:04:03,320 Speaker 1: actually I feel like the older I get, the worst 91 00:04:03,320 --> 00:04:07,080 Speaker 1: my jokes get. So I struggle with the dad joke myself. 92 00:04:07,280 --> 00:04:09,840 Speaker 1: By worst, you mean like the better they get, like 93 00:04:10,040 --> 00:04:12,680 Speaker 1: the more people like Grimace when when I tell a joke. 94 00:04:13,240 --> 00:04:14,760 Speaker 1: I think that's where I'm at this point. Man. I 95 00:04:14,800 --> 00:04:16,120 Speaker 1: think with a little bit effort, you can kind of 96 00:04:16,200 --> 00:04:18,240 Speaker 1: change that person and we can kind of turn things around. Okay, 97 00:04:18,240 --> 00:04:19,640 Speaker 1: all right, I'll see what I Let's do it. Yep, 98 00:04:19,800 --> 00:04:21,520 Speaker 1: all right, Let's get onto the subject at hand. Matt 99 00:04:21,600 --> 00:04:24,359 Speaker 1: seven ways to save more money this week. We're getting 100 00:04:24,360 --> 00:04:27,720 Speaker 1: super practical today, and if anybody out there who's listening 101 00:04:27,920 --> 00:04:30,320 Speaker 1: is uh it, wants to increase the cash that they 102 00:04:30,320 --> 00:04:33,520 Speaker 1: have on hand immediately, then this is the show for you. 103 00:04:33,920 --> 00:04:36,320 Speaker 1: Some of the things will discuss on this episode will 104 00:04:36,320 --> 00:04:39,800 Speaker 1: pay dividends even past just this week, but they're guaranteed 105 00:04:39,839 --> 00:04:41,760 Speaker 1: to save you money in the very very near term, 106 00:04:42,000 --> 00:04:44,279 Speaker 1: and if you tackle one of these tasks per day 107 00:04:44,360 --> 00:04:46,760 Speaker 1: in the coming week, you'll save a decent chunk of 108 00:04:46,920 --> 00:04:48,920 Speaker 1: change and you can use that money to jump start 109 00:04:48,920 --> 00:04:51,640 Speaker 1: an the fund, or you know, just start building a 110 00:04:51,720 --> 00:04:55,680 Speaker 1: vacation fund for or maybe you've been dying to save 111 00:04:55,760 --> 00:04:58,720 Speaker 1: up for an e bike and doing these things will 112 00:04:58,760 --> 00:05:01,840 Speaker 1: give you the perfect motivation to get that cash quickly. 113 00:05:02,080 --> 00:05:03,960 Speaker 1: Or you can even use it to to start that 114 00:05:04,000 --> 00:05:06,719 Speaker 1: nest egg for a major purchase that's looming down the road, 115 00:05:06,760 --> 00:05:09,000 Speaker 1: like a house. Rome wasn't built in a day, but 116 00:05:09,000 --> 00:05:11,360 Speaker 1: you've got to start somewhere right and getting the ball rolling. 117 00:05:11,600 --> 00:05:14,640 Speaker 1: By taking a money saving action each day for a 118 00:05:14,640 --> 00:05:16,680 Speaker 1: full week, I think that can be empowering to It 119 00:05:16,720 --> 00:05:19,560 Speaker 1: gets those money muscles working. Yeah, you know, typically the 120 00:05:19,600 --> 00:05:22,159 Speaker 1: more impactful financial moves that you can make, they're going 121 00:05:22,240 --> 00:05:24,920 Speaker 1: to be those bigger lists. Uh. There are other things 122 00:05:24,960 --> 00:05:26,840 Speaker 1: that you can do to save money, but you can't 123 00:05:26,880 --> 00:05:28,839 Speaker 1: necessarily get them done in a week, right. You know, 124 00:05:28,880 --> 00:05:31,320 Speaker 1: you could refire your mortgage, you could start up that 125 00:05:31,360 --> 00:05:33,720 Speaker 1: side business that you've been wanting to create, but you 126 00:05:33,760 --> 00:05:35,960 Speaker 1: won't be able to get either of those done within 127 00:05:36,040 --> 00:05:38,960 Speaker 1: the next seven days and the financial impact often will 128 00:05:39,000 --> 00:05:41,440 Speaker 1: will typically play out over a longer period of time 129 00:05:41,480 --> 00:05:43,320 Speaker 1: as well. You know, you might be putting in that 130 00:05:43,400 --> 00:05:46,200 Speaker 1: time and money now, but you may not actually realize 131 00:05:46,200 --> 00:05:48,800 Speaker 1: any net savings for months or even years to come. 132 00:05:49,160 --> 00:05:51,080 Speaker 1: And so this episode is focused on what you can 133 00:05:51,120 --> 00:05:55,440 Speaker 1: do immediately to improve your financial situation. And so there 134 00:05:55,440 --> 00:05:57,920 Speaker 1: are two sides to the equation. If you're you're trying 135 00:05:57,960 --> 00:06:00,520 Speaker 1: to save more money right now, you can either earn 136 00:06:00,560 --> 00:06:03,159 Speaker 1: more or b you can spend less. And you know, 137 00:06:03,200 --> 00:06:06,279 Speaker 1: in real life it's likely not an either or decision. 138 00:06:06,279 --> 00:06:08,760 Speaker 1: You're probably gonna look to ways that you can do both, 139 00:06:08,960 --> 00:06:11,200 Speaker 1: where you can do both earn more and spend less. 140 00:06:11,480 --> 00:06:12,800 Speaker 1: And so that's what we're gonna talk about today, and 141 00:06:12,839 --> 00:06:15,640 Speaker 1: we're gonna kick things off with spending less money. Joel. 142 00:06:16,040 --> 00:06:17,640 Speaker 1: My guess is the first thing you're gonna mention is 143 00:06:17,680 --> 00:06:19,800 Speaker 1: shopping at Aldie Well. I said at the beginning of 144 00:06:19,800 --> 00:06:21,360 Speaker 1: the episode, that's not one of our pots. So I 145 00:06:21,360 --> 00:06:23,839 Speaker 1: found a way to slide that in without making it 146 00:06:23,920 --> 00:06:26,600 Speaker 1: eight things, eight ways to say it was eight. We've 147 00:06:26,600 --> 00:06:27,960 Speaker 1: only got seven days. We don't want to give you 148 00:06:27,960 --> 00:06:29,400 Speaker 1: two things to doing one day, seven days a week, 149 00:06:29,600 --> 00:06:32,279 Speaker 1: seven although there are other things if you've been listening 150 00:06:32,279 --> 00:06:34,359 Speaker 1: for a long time or you're just an avid money 151 00:06:34,360 --> 00:06:36,200 Speaker 1: nerd like there are other things too that could have 152 00:06:36,240 --> 00:06:38,440 Speaker 1: fit on this list. But the first thing we would 153 00:06:38,440 --> 00:06:39,880 Speaker 1: say if you want to save a good bit of 154 00:06:39,960 --> 00:06:42,599 Speaker 1: money in a short amount of time is to shop 155 00:06:42,600 --> 00:06:44,920 Speaker 1: your insurance coverage. And we've talked about this on the 156 00:06:44,960 --> 00:06:47,599 Speaker 1: show before, but now is just an excellent time to 157 00:06:47,680 --> 00:06:51,159 Speaker 1: be shopping around. If you haven't shopped your insurance coverage 158 00:06:51,279 --> 00:06:53,800 Speaker 1: within the last three or four years, there's a good 159 00:06:53,839 --> 00:06:56,760 Speaker 1: chance you're paying too much. And insurance companies have been 160 00:06:56,760 --> 00:07:00,719 Speaker 1: doing really well during the pandemic. They've experienced fewer claims, 161 00:07:00,880 --> 00:07:02,240 Speaker 1: and much of that is due to the fact that 162 00:07:02,279 --> 00:07:05,200 Speaker 1: we're all just driving less. We're working from home. We 163 00:07:05,240 --> 00:07:07,440 Speaker 1: haven't been on the roads in nearly the same amount 164 00:07:07,800 --> 00:07:10,520 Speaker 1: that that we usually are, which means fewer accidents, which 165 00:07:10,520 --> 00:07:14,600 Speaker 1: means fewer claims, which means the insurance company is reaping 166 00:07:14,640 --> 00:07:17,600 Speaker 1: higher profits. So we would recommend to call a local 167 00:07:17,640 --> 00:07:20,200 Speaker 1: independent agent who can shop with a bunch of different 168 00:07:20,240 --> 00:07:23,840 Speaker 1: insurance companies at once for you, and or check out 169 00:07:24,160 --> 00:07:27,040 Speaker 1: policy Genius. They've got a tool which does something similar, 170 00:07:27,320 --> 00:07:29,400 Speaker 1: will link to that in the show notes. But either way, 171 00:07:29,400 --> 00:07:32,640 Speaker 1: you could start saving real money really quickly by shopping 172 00:07:32,640 --> 00:07:34,280 Speaker 1: that insurance around. I think, Matt, that's one of those 173 00:07:34,280 --> 00:07:37,040 Speaker 1: things that people are like fearful to do or they 174 00:07:37,080 --> 00:07:39,200 Speaker 1: think it's gonna take forever. But we put it on 175 00:07:39,200 --> 00:07:41,800 Speaker 1: this list purposely because it's not something that is going 176 00:07:41,880 --> 00:07:44,480 Speaker 1: to be really all that heavy of a lift totally. Man. Yeah, 177 00:07:44,480 --> 00:07:46,880 Speaker 1: and really, you know, you should be shopping your insurance 178 00:07:46,880 --> 00:07:49,600 Speaker 1: around every year or two. But the problem is, Man, 179 00:07:49,640 --> 00:07:52,320 Speaker 1: most people will stay loyal to their current insurer, and 180 00:07:52,600 --> 00:07:54,480 Speaker 1: they do it not because they love them, you know, 181 00:07:54,640 --> 00:07:56,920 Speaker 1: or because of the amazing service that they provide. They 182 00:07:56,920 --> 00:07:58,600 Speaker 1: mostly do it out of apathy. And so we want 183 00:07:58,600 --> 00:08:01,120 Speaker 1: to encourage folks to not fall all into that ruts. 184 00:08:01,400 --> 00:08:03,520 Speaker 1: Um And a quick tip, make sure that you're aware 185 00:08:03,560 --> 00:08:05,640 Speaker 1: of the different types of coverage that you have, so 186 00:08:05,720 --> 00:08:08,680 Speaker 1: no your current coverage, no your deductibles, and know your limits. 187 00:08:08,720 --> 00:08:11,440 Speaker 1: That way you can easily compare apples to apples. Again, 188 00:08:11,480 --> 00:08:12,920 Speaker 1: we're trying to make this something that you can do 189 00:08:13,200 --> 00:08:15,880 Speaker 1: very quickly and very easily, something that you can easily 190 00:08:16,000 --> 00:08:17,760 Speaker 1: check off your to do list, and we're hoping by 191 00:08:17,760 --> 00:08:20,080 Speaker 1: the end of the day, you could have maybe even 192 00:08:20,160 --> 00:08:23,440 Speaker 1: better insurance while paying less for that insurance. That is 193 00:08:23,480 --> 00:08:25,640 Speaker 1: the goal. Yeah, you don't necessarily have to give something 194 00:08:25,760 --> 00:08:28,360 Speaker 1: up when it comes to customer service or when it 195 00:08:28,360 --> 00:08:30,800 Speaker 1: comes to coverage in order to save money. Oftentimes you 196 00:08:30,800 --> 00:08:33,440 Speaker 1: can just score a much lower rate and maybe end 197 00:08:33,480 --> 00:08:35,960 Speaker 1: up in a better spot coverage wise at the end 198 00:08:35,960 --> 00:08:37,880 Speaker 1: of the day. Um So, yeah, all right, that's the 199 00:08:37,880 --> 00:08:39,800 Speaker 1: first thing, Matt. Let's get to the rest. We've got 200 00:08:39,840 --> 00:08:41,599 Speaker 1: six more ways to save money this week that we 201 00:08:41,640 --> 00:08:43,960 Speaker 1: want to get to, including what you can do quickly 202 00:08:44,000 --> 00:08:46,320 Speaker 1: to cut down on recurring expenses, and we'll get to 203 00:08:46,440 --> 00:08:58,040 Speaker 1: that right after this break. All right, So we're back 204 00:08:58,040 --> 00:09:00,079 Speaker 1: for the break, and we already covered one way that 205 00:09:00,120 --> 00:09:01,760 Speaker 1: you can cut some expenses in your life, and that's 206 00:09:01,760 --> 00:09:05,000 Speaker 1: by shopping your insurance. And so let's talk through a 207 00:09:05,000 --> 00:09:07,120 Speaker 1: few other ways to cut some expenses. And you already 208 00:09:07,160 --> 00:09:10,000 Speaker 1: hinted to it before the break. Hunger strike, hunger strike 209 00:09:10,200 --> 00:09:13,240 Speaker 1: and cutting expenses, recurring expenses. That's going to cut your 210 00:09:13,240 --> 00:09:16,240 Speaker 1: grocery bill, dude, groceries add up. Man, we eat food 211 00:09:16,280 --> 00:09:19,400 Speaker 1: every single day, and well, we can't advocate for people 212 00:09:19,440 --> 00:09:23,000 Speaker 1: to like go on hunger strikes. No, But seriously, one 213 00:09:23,000 --> 00:09:24,920 Speaker 1: of the easiest ways to save money quickly is by 214 00:09:24,960 --> 00:09:27,679 Speaker 1: reviewing your previous month's expenses. So if you use a 215 00:09:27,720 --> 00:09:30,320 Speaker 1: service like wine app or mint, it's really easy to 216 00:09:30,320 --> 00:09:33,120 Speaker 1: see all of your spending in one single place, and 217 00:09:33,120 --> 00:09:34,840 Speaker 1: then once you've see where your money is going, look 218 00:09:34,880 --> 00:09:37,680 Speaker 1: to the different services that you can downgrade or even 219 00:09:37,720 --> 00:09:41,439 Speaker 1: cut completely. Now it's time to streamline and cut these expenses. 220 00:09:41,760 --> 00:09:43,679 Speaker 1: So let's talk about some of the common culprits where 221 00:09:43,720 --> 00:09:46,199 Speaker 1: we are spending too much money every month. And and 222 00:09:46,320 --> 00:09:48,000 Speaker 1: the thing is, like, the reason this is so important 223 00:09:48,000 --> 00:09:50,680 Speaker 1: to is because even though it doesn't seem like that 224 00:09:50,720 --> 00:09:52,880 Speaker 1: these are expenses that are that big, but you take 225 00:09:52,920 --> 00:09:54,880 Speaker 1: that number and you multiply by twelve, and it really 226 00:09:54,880 --> 00:09:56,760 Speaker 1: adds up. You know, like you're talking about hunger strike 227 00:09:56,920 --> 00:10:00,160 Speaker 1: kind of joking around there, obviously, but groceries that is 228 00:10:00,160 --> 00:10:01,960 Speaker 1: you know, I'm gonna take it back to Aldi of course, 229 00:10:02,800 --> 00:10:05,320 Speaker 1: like are you saving that much money per item that 230 00:10:05,360 --> 00:10:07,800 Speaker 1: you purchased their No, but every single one of those 231 00:10:07,840 --> 00:10:10,559 Speaker 1: items adds up. And in the same way these recurring expenses, 232 00:10:10,600 --> 00:10:12,760 Speaker 1: they add up every month, and so by the end 233 00:10:12,760 --> 00:10:15,240 Speaker 1: of the year, you're making a substantial difference in the 234 00:10:15,240 --> 00:10:17,880 Speaker 1: amount of money that you are actually able to save. Yeah, 235 00:10:17,920 --> 00:10:20,320 Speaker 1: so let's talk about a few bills that people should 236 00:10:20,360 --> 00:10:23,920 Speaker 1: really look at if they're looking to cut a recurring expense, 237 00:10:23,920 --> 00:10:25,560 Speaker 1: which is one of the seven ways we would say 238 00:10:25,640 --> 00:10:27,880 Speaker 1: they can easily save more money this week, your cell 239 00:10:27,920 --> 00:10:30,880 Speaker 1: phone bill is a big one. Slashing a big recurring 240 00:10:30,880 --> 00:10:33,560 Speaker 1: monthly bill like that, it can save you money now 241 00:10:33,640 --> 00:10:36,599 Speaker 1: and well into the future. Some of the best inexpensive 242 00:10:36,640 --> 00:10:41,280 Speaker 1: plans are offered currently by Mint Mobile, Visible and boost Mobile. 243 00:10:41,400 --> 00:10:43,560 Speaker 1: And there are other players out there too who, depending 244 00:10:43,600 --> 00:10:47,319 Speaker 1: on your usage patterns, could potentially save you even more money. 245 00:10:47,400 --> 00:10:49,600 Speaker 1: But I feel like those three are definitely worth looking at. 246 00:10:50,040 --> 00:10:54,199 Speaker 1: It's important to note that low cost doesn't mean inferior service, right. 247 00:10:54,240 --> 00:10:57,199 Speaker 1: These companies have actually just changed the business model while 248 00:10:57,240 --> 00:10:59,760 Speaker 1: still using the towers from the major cell phone companies. 249 00:11:00,080 --> 00:11:02,600 Speaker 1: So if you haven't changed cellphone providers or plans in 250 00:11:02,640 --> 00:11:05,720 Speaker 1: the past few years, it's almost impossible not to save 251 00:11:05,760 --> 00:11:09,559 Speaker 1: money potentially thirty forty eight dollars a month depending on 252 00:11:09,760 --> 00:11:12,320 Speaker 1: your current plan. And and some of these people are 253 00:11:12,520 --> 00:11:15,800 Speaker 1: also offering unlimited everything at a really low price. I 254 00:11:15,800 --> 00:11:18,160 Speaker 1: mean meant they just launched their plan thirty bucks a 255 00:11:18,160 --> 00:11:20,520 Speaker 1: month for unlimited everything. You don't even have to worry 256 00:11:20,520 --> 00:11:22,400 Speaker 1: about your daddy usage. Although if you out for one 257 00:11:22,400 --> 00:11:25,000 Speaker 1: of their limited data plans, you could save even more. Yeah, 258 00:11:25,040 --> 00:11:26,640 Speaker 1: you can even cut that thirty dollars and a half. Like, 259 00:11:26,679 --> 00:11:29,600 Speaker 1: we're talking fifteen bucks a month for cell phone service, 260 00:11:29,679 --> 00:11:31,959 Speaker 1: which is much much cheaper than what a lot of 261 00:11:32,000 --> 00:11:34,320 Speaker 1: folks are paying. Uh. And a lot of the savings too, 262 00:11:34,400 --> 00:11:36,920 Speaker 1: comes from paying for all of that coverage upfront. And 263 00:11:36,960 --> 00:11:39,280 Speaker 1: because we know it can be a little confusing when 264 00:11:39,320 --> 00:11:42,280 Speaker 1: it comes to making a switch of cell phone providers, 265 00:11:42,480 --> 00:11:44,960 Speaker 1: we wrote a little guide on our website to help 266 00:11:44,960 --> 00:11:47,439 Speaker 1: you think through that, to help you consider which carriers 267 00:11:47,520 --> 00:11:50,160 Speaker 1: might make the most sense for how you use your 268 00:11:50,200 --> 00:11:51,959 Speaker 1: cell phone and maybe the questions you need to ask 269 00:11:52,000 --> 00:11:54,400 Speaker 1: yourself before you do end up making a switch. And 270 00:11:54,440 --> 00:11:55,840 Speaker 1: you'll be able to find that in our show notes 271 00:11:55,880 --> 00:11:58,240 Speaker 1: for this episode upon our website too. Yeah, and Jill, 272 00:11:58,280 --> 00:12:00,920 Speaker 1: another recurring expense that we can remove from our lives. 273 00:12:01,000 --> 00:12:03,839 Speaker 1: Let's talk a little bit about streaming services. Man, most 274 00:12:03,840 --> 00:12:06,440 Speaker 1: of our listeners they cut the cord long ago and 275 00:12:06,440 --> 00:12:09,120 Speaker 1: they've moved to streaming, and that's great. But as streaming 276 00:12:09,120 --> 00:12:12,720 Speaker 1: services proliferate, man it has become hard to choose which 277 00:12:12,720 --> 00:12:15,360 Speaker 1: ones to keep, which ones to cut. And so if 278 00:12:15,400 --> 00:12:19,160 Speaker 1: you've accumulated maybe way too many of these monthly streaming payments, 279 00:12:19,559 --> 00:12:22,720 Speaker 1: uh ditched to one or two that you watch the least, 280 00:12:22,800 --> 00:12:24,320 Speaker 1: you can always sign back up for it later on. 281 00:12:24,480 --> 00:12:26,040 Speaker 1: Chances are you can probably signed back up for it 282 00:12:26,240 --> 00:12:28,199 Speaker 1: at an even discounted price, because a lot of times 283 00:12:28,240 --> 00:12:30,720 Speaker 1: they have special offers or maybe even another approach just 284 00:12:30,720 --> 00:12:33,679 Speaker 1: cut them all, cut them all and then start by 285 00:12:33,720 --> 00:12:36,280 Speaker 1: adding back the ones that you know have the shows 286 00:12:36,320 --> 00:12:38,160 Speaker 1: that you are currently really into. I feel like a 287 00:12:38,200 --> 00:12:39,800 Speaker 1: lot of times we kind of keep some of these 288 00:12:39,840 --> 00:12:42,600 Speaker 1: streaming services around for like whenever that next season does 289 00:12:42,640 --> 00:12:44,640 Speaker 1: come out, but like you know, chances are it might 290 00:12:44,679 --> 00:12:46,280 Speaker 1: be like six to nine months, and that's a long 291 00:12:46,360 --> 00:12:48,720 Speaker 1: time of paying for a service that you're not taking 292 00:12:48,760 --> 00:12:50,760 Speaker 1: advantage of. Yeah, and maybe there's one or two that 293 00:12:50,840 --> 00:12:53,120 Speaker 1: you find yourself consistently going to, and then the other 294 00:12:53,120 --> 00:12:56,760 Speaker 1: ones you occasionally dabble in them. Well, find that one 295 00:12:56,760 --> 00:12:59,320 Speaker 1: show that you love, watch that show and then ditch 296 00:12:59,320 --> 00:13:01,040 Speaker 1: it for a little while. There you go, and then yeah, 297 00:13:01,160 --> 00:13:03,120 Speaker 1: go back to it. If the next season comes out, 298 00:13:03,520 --> 00:13:05,480 Speaker 1: or if another show that you really want to check 299 00:13:05,480 --> 00:13:07,920 Speaker 1: out pops up. But for the most part, yeah, I 300 00:13:07,920 --> 00:13:10,920 Speaker 1: think almost all of us could stand to trim the 301 00:13:10,960 --> 00:13:13,800 Speaker 1: amount of streaming services we subscribe to. I think for 302 00:13:13,840 --> 00:13:16,320 Speaker 1: most people it hasn't gotten as bad as cable bills 303 00:13:16,400 --> 00:13:18,560 Speaker 1: used to be, but it's still a thing. Man, We're 304 00:13:18,600 --> 00:13:20,360 Speaker 1: getting close. That we're getting close to that because there 305 00:13:20,360 --> 00:13:22,720 Speaker 1: are so many choices and so many new streaming services 306 00:13:22,840 --> 00:13:25,440 Speaker 1: launching that want five, ten, fifteen bucks of your money. 307 00:13:25,640 --> 00:13:28,360 Speaker 1: Makes me think about quimby Matt. Have you read about 308 00:13:28,400 --> 00:13:31,079 Speaker 1: that that it's it's like the short shows or whatever. Yeah, 309 00:13:31,080 --> 00:13:32,920 Speaker 1: I've heard that it's failed. Yeah, I think it's failed, 310 00:13:33,240 --> 00:13:35,839 Speaker 1: really really very great. I've kind of wondered, like, well, 311 00:13:35,840 --> 00:13:37,640 Speaker 1: I mean, We're the show is actually any good? I 312 00:13:37,640 --> 00:13:40,440 Speaker 1: guess not because it's failed spectacularly. But it's one of 313 00:13:40,440 --> 00:13:42,480 Speaker 1: those things where, I mean, there's a new one launching. 314 00:13:42,559 --> 00:13:45,600 Speaker 1: It feels like all the time NBC finally launched. There's 315 00:13:45,640 --> 00:13:48,040 Speaker 1: I believe it's called Peacock, but there's so many choices 316 00:13:48,200 --> 00:13:49,800 Speaker 1: that Fresh Prince of bel Air is gonna gonna do 317 00:13:49,840 --> 00:13:52,800 Speaker 1: a reboot relaunched on Peacock there you go, Will Smith. 318 00:13:52,880 --> 00:13:55,000 Speaker 1: I mean that that truly might be worth five bucks 319 00:13:55,040 --> 00:13:57,000 Speaker 1: a month. It's a get throwback right there. Yeah, right, 320 00:13:57,200 --> 00:13:59,320 Speaker 1: But it's easy to let that inertia kind of overtake you, 321 00:13:59,679 --> 00:14:01,920 Speaker 1: and you sign up for one, you keep paying, and 322 00:14:01,920 --> 00:14:03,960 Speaker 1: then that's part two. Matt. I think of what you 323 00:14:04,000 --> 00:14:06,480 Speaker 1: mentioned at the beginning, of actually looking at your previous 324 00:14:06,520 --> 00:14:09,600 Speaker 1: month's expenses, having it in writing so you can kind 325 00:14:09,600 --> 00:14:11,800 Speaker 1: of see right in front of your eyes. Oh wow, 326 00:14:12,280 --> 00:14:14,800 Speaker 1: I didn't realize it. I am subscribed to six streaming 327 00:14:14,800 --> 00:14:17,200 Speaker 1: services and I don't need those, so yeah, whatever you 328 00:14:17,200 --> 00:14:19,760 Speaker 1: can do to cut that down is always helpful. One 329 00:14:19,840 --> 00:14:23,640 Speaker 1: other thought in recurring expenses right now is to cut 330 00:14:23,640 --> 00:14:26,480 Speaker 1: a gym membership. My wife, she loves the y M 331 00:14:26,480 --> 00:14:28,760 Speaker 1: c A, but she hasn't set foot through the doors 332 00:14:28,760 --> 00:14:31,440 Speaker 1: of our local wide gym in six months now. And 333 00:14:31,480 --> 00:14:32,920 Speaker 1: I know that's been the case for a lot of 334 00:14:32,960 --> 00:14:36,480 Speaker 1: others as the pandemic has made it essentially impossible to 335 00:14:36,640 --> 00:14:39,040 Speaker 1: go to your gym. And Matt, she's been working out 336 00:14:39,080 --> 00:14:41,720 Speaker 1: at home and she's dragged me into working out with her, 337 00:14:42,040 --> 00:14:45,320 Speaker 1: and I'd love to see that it's not really working here. 338 00:14:45,360 --> 00:14:48,640 Speaker 1: I am uh impressive so she's doing something. I'm not 339 00:14:48,640 --> 00:14:51,600 Speaker 1: afraid to admit this. It's called bikini body mommy. And 340 00:14:51,720 --> 00:14:54,160 Speaker 1: so I'm working out with you're doing bikini body Daddy. 341 00:14:54,640 --> 00:14:57,160 Speaker 1: It's still be called bikini body mommy. And I'm working 342 00:14:57,160 --> 00:14:59,200 Speaker 1: out with a lot of other postpartum women. But it's 343 00:14:59,240 --> 00:15:01,440 Speaker 1: you know what, it's all it. I'm having fun and 344 00:15:01,600 --> 00:15:05,640 Speaker 1: it's way cheaper than gym membership. I feel like I 345 00:15:05,680 --> 00:15:07,360 Speaker 1: maybe shouldn't have said that now at this point, but 346 00:15:07,440 --> 00:15:09,920 Speaker 1: it's out there, so everyone knows I'm doing bikini body mommy. 347 00:15:09,920 --> 00:15:11,160 Speaker 1: I think folks are just gonna hold you to a 348 00:15:11,200 --> 00:15:12,640 Speaker 1: higher standard now next time they see you with your 349 00:15:12,680 --> 00:15:16,280 Speaker 1: shirt exactly where those apps very true. I don't know, 350 00:15:16,360 --> 00:15:18,160 Speaker 1: I don't know if that's ever gonna happen, but yeah, 351 00:15:18,280 --> 00:15:20,320 Speaker 1: I think Emily will probably be back in the y 352 00:15:20,400 --> 00:15:22,800 Speaker 1: at some point one day, But for now, it's one 353 00:15:22,840 --> 00:15:25,160 Speaker 1: of those recurring expenses that we can get out of 354 00:15:25,160 --> 00:15:27,160 Speaker 1: our lives. And I think other people out there should 355 00:15:27,160 --> 00:15:29,000 Speaker 1: think about whether or not that's a smart move for 356 00:15:29,040 --> 00:15:31,560 Speaker 1: them too. Does it make sense for for them to 357 00:15:31,640 --> 00:15:33,360 Speaker 1: keep paying a gym membership if they can't go and 358 00:15:33,400 --> 00:15:34,880 Speaker 1: use it, or if they're using it less, or does 359 00:15:34,880 --> 00:15:37,160 Speaker 1: it make sense to work out at home ride your 360 00:15:37,200 --> 00:15:39,160 Speaker 1: bike more? There are all sorts of other ways that 361 00:15:39,200 --> 00:15:41,480 Speaker 1: you can kind of stay healthy stay fit without a 362 00:15:41,520 --> 00:15:43,720 Speaker 1: gym membership. Speaking of riding your bike more, you didn't 363 00:15:43,760 --> 00:15:46,240 Speaker 1: mention that you guys also spent over two thousand dollars 364 00:15:46,280 --> 00:15:49,440 Speaker 1: on a pelets on bike, right right that. Yeah, you 365 00:15:49,480 --> 00:15:51,120 Speaker 1: actually got two of them, so you spent like over 366 00:15:51,160 --> 00:15:54,280 Speaker 1: four thousand dollars. Yeah, exactly. H No, I mean I 367 00:15:54,440 --> 00:15:55,800 Speaker 1: don't want to hand on those like if that's your 368 00:15:55,840 --> 00:15:57,560 Speaker 1: thinking of the beer we're drinking. Dad jokes, that was 369 00:15:57,560 --> 00:15:59,280 Speaker 1: a dad joke. That dad joke, that's just that was 370 00:15:59,320 --> 00:16:02,680 Speaker 1: just a lie at joke. But I mean those bikes 371 00:16:02,720 --> 00:16:05,440 Speaker 1: are crazy expensive. However, man, You know that being said, 372 00:16:05,520 --> 00:16:07,640 Speaker 1: if you are really into working out a home and 373 00:16:07,640 --> 00:16:09,400 Speaker 1: this is something that allows you to do that, we're 374 00:16:09,400 --> 00:16:10,840 Speaker 1: not just we're not the kind of people who hate 375 00:16:10,840 --> 00:16:12,160 Speaker 1: on that kind of thing. You know. If this is 376 00:16:12,160 --> 00:16:14,880 Speaker 1: your craft beer equivalent, if you're really into the spin 377 00:16:14,920 --> 00:16:17,280 Speaker 1: classes and you can't do that because of the pandemic, 378 00:16:17,320 --> 00:16:19,440 Speaker 1: then for you, maybe buying some of that workout equipment 379 00:16:19,480 --> 00:16:22,080 Speaker 1: for home is your splurge. And at the same time 380 00:16:22,120 --> 00:16:23,960 Speaker 1: it could be frugal, because man, some of those Spin 381 00:16:24,000 --> 00:16:27,640 Speaker 1: class monthly recurring memberships can make expensive incredibly expensive too, 382 00:16:27,680 --> 00:16:30,680 Speaker 1: So you might actually make more sense to buy a bike. 383 00:16:30,920 --> 00:16:32,000 Speaker 1: By the way, you don't even have to buy the 384 00:16:32,000 --> 00:16:33,800 Speaker 1: Peloton bike. I think you can buy another bike, but 385 00:16:33,840 --> 00:16:36,280 Speaker 1: you can probably buy like the al D version and 386 00:16:36,360 --> 00:16:38,160 Speaker 1: used to Peloton service. But yeah, I think it's one 387 00:16:38,160 --> 00:16:41,160 Speaker 1: of those things where if you are subscribed to just 388 00:16:41,400 --> 00:16:44,440 Speaker 1: a really expensive spin membership, maybe you can get a 389 00:16:44,480 --> 00:16:46,840 Speaker 1: cheaper bike, do it at home, get a great workout 390 00:16:46,920 --> 00:16:48,920 Speaker 1: still and pay less money, or even better, just buy 391 00:16:48,920 --> 00:16:52,040 Speaker 1: a used regular bike and then goes zipping around your city. 392 00:16:52,520 --> 00:16:54,200 Speaker 1: All right, man, So we just covered some of the 393 00:16:54,200 --> 00:16:57,200 Speaker 1: different ways you can cut some recurring expenses. Another one 394 00:16:57,240 --> 00:16:59,040 Speaker 1: of the seven ways that you can save more money 395 00:16:59,160 --> 00:17:02,040 Speaker 1: is to spend any money at all. Right, We're talking 396 00:17:02,080 --> 00:17:06,240 Speaker 1: about taking a spending holiday. Even just one week of 397 00:17:06,440 --> 00:17:09,040 Speaker 1: uh not spending money can save you a good amount 398 00:17:09,040 --> 00:17:11,040 Speaker 1: of money, and it can also help you break some 399 00:17:11,080 --> 00:17:12,679 Speaker 1: of those habits that you know that you might have 400 00:17:12,760 --> 00:17:15,400 Speaker 1: fallen into. With even more of a shopping from home 401 00:17:15,400 --> 00:17:18,480 Speaker 1: and taking advantage of e commerce. I'm sure there are 402 00:17:18,640 --> 00:17:20,520 Speaker 1: some bad habits that we've all kind of gotten into. 403 00:17:20,760 --> 00:17:22,440 Speaker 1: But you know, like we're talking about spending less money, 404 00:17:22,440 --> 00:17:23,919 Speaker 1: but obviously you need to make sure that you have 405 00:17:24,040 --> 00:17:27,000 Speaker 1: enough healthy and balanced food in your house. But other 406 00:17:27,040 --> 00:17:29,159 Speaker 1: than that, you know, like we're talking about not spending 407 00:17:29,160 --> 00:17:32,359 Speaker 1: any money. Sometimes it takes challenging yourself and really drawing 408 00:17:32,400 --> 00:17:34,639 Speaker 1: a hard line to kind of break you out of 409 00:17:34,640 --> 00:17:37,080 Speaker 1: your ways, and may even, depending on your current stock, 410 00:17:37,080 --> 00:17:38,600 Speaker 1: you know, you might even be able to avoid the 411 00:17:38,600 --> 00:17:41,919 Speaker 1: grocery store altogether. You know, clear out that pantry, empty 412 00:17:41,920 --> 00:17:44,439 Speaker 1: those shelves in your refrigerator. A lot of us have 413 00:17:44,720 --> 00:17:47,320 Speaker 1: so much stinking food that we either just kind of 414 00:17:47,400 --> 00:17:49,320 Speaker 1: keep stocked or it's food too that just ends up 415 00:17:49,320 --> 00:17:50,960 Speaker 1: sitting there, it goes bad, and then you just kind 416 00:17:50,960 --> 00:17:53,600 Speaker 1: of end up tossing it. I hate seeing perfectly good 417 00:17:53,680 --> 00:17:55,679 Speaker 1: food except for the fact that there's mold on it 418 00:17:55,720 --> 00:17:57,639 Speaker 1: and you know, you don't want to eat anymore. But 419 00:17:57,720 --> 00:17:59,560 Speaker 1: I hate seeing food go into the trash can. And 420 00:17:59,560 --> 00:18:01,560 Speaker 1: I think, if I only had more time, I could 421 00:18:01,560 --> 00:18:03,119 Speaker 1: have eaten that. You know, that's the worst. I think 422 00:18:03,119 --> 00:18:04,840 Speaker 1: it's a good challenge for us to eat what we 423 00:18:04,880 --> 00:18:07,320 Speaker 1: have on hand, because there are some things that I 424 00:18:07,359 --> 00:18:10,160 Speaker 1: know that I push some some leftovers to the back 425 00:18:10,200 --> 00:18:12,160 Speaker 1: of the fridge until they go bad, and it's like, man, 426 00:18:12,600 --> 00:18:14,240 Speaker 1: was just more intentional. I could have eaten it. That's 427 00:18:14,280 --> 00:18:16,159 Speaker 1: just your strategy, that's your approach because you don't like 428 00:18:16,240 --> 00:18:19,320 Speaker 1: leftovers that fridgie. I don't mind left leftovers, but you're 429 00:18:19,320 --> 00:18:21,720 Speaker 1: definitely all about leftovers. I know that. But yeah, man, 430 00:18:21,720 --> 00:18:24,199 Speaker 1: I agree. Don't spend a dime for a week and 431 00:18:24,240 --> 00:18:26,200 Speaker 1: you are going to see savings and if there's something 432 00:18:26,280 --> 00:18:28,000 Speaker 1: you feel like you need, look to your local buy 433 00:18:28,000 --> 00:18:31,200 Speaker 1: nothing group that empowers people to buy nothing but still 434 00:18:31,240 --> 00:18:33,560 Speaker 1: get the items they need by living generously. I saw 435 00:18:33,600 --> 00:18:35,560 Speaker 1: someone the other day in my local buy nothing group 436 00:18:35,880 --> 00:18:40,000 Speaker 1: ask if someone had Legos nearby for their kid, and 437 00:18:40,000 --> 00:18:42,080 Speaker 1: and somebody replied, I don't have Legos, but I have 438 00:18:42,160 --> 00:18:43,359 Speaker 1: this that would be a lot of fun for your 439 00:18:43,440 --> 00:18:45,119 Speaker 1: kid to play with. And it's that kind of thing too, 440 00:18:45,160 --> 00:18:46,840 Speaker 1: where you can post and you can ask for things 441 00:18:46,840 --> 00:18:49,000 Speaker 1: and you're buying nothing group and see if people have them, 442 00:18:49,080 --> 00:18:51,520 Speaker 1: and people are often if you're in that group together, 443 00:18:51,720 --> 00:18:53,680 Speaker 1: they want to see other people buy nothing and waste 444 00:18:53,760 --> 00:18:55,600 Speaker 1: less two So it's just an awesome thing to be 445 00:18:55,640 --> 00:18:57,359 Speaker 1: a part of. You might find some cool stuff in 446 00:18:57,359 --> 00:18:59,560 Speaker 1: there and at the same time be able to avoid, uh, 447 00:18:59,680 --> 00:19:02,040 Speaker 1: spend money that you didn't want to spend. I didn't know. 448 00:19:02,040 --> 00:19:04,720 Speaker 1: You're part of our local buy nothing group? Are you 449 00:19:04,720 --> 00:19:06,200 Speaker 1: in the one? You know that's in our neighborhood? And 450 00:19:06,200 --> 00:19:09,240 Speaker 1: then East Atlanta and the I am okay, I recently 451 00:19:09,280 --> 00:19:12,120 Speaker 1: just joined. I'm never on Facebook though, so it just yeah, 452 00:19:12,119 --> 00:19:13,320 Speaker 1: that's one of the things. But if I were on 453 00:19:13,320 --> 00:19:14,960 Speaker 1: there more, I'm trying to see some great stuff. Yeah. 454 00:19:15,040 --> 00:19:16,879 Speaker 1: That is the problem is that these buy nothing groups 455 00:19:16,880 --> 00:19:19,760 Speaker 1: are primarily based only on Facebook, and so you know, 456 00:19:19,960 --> 00:19:22,040 Speaker 1: I tend to avoid Facebook because it kind of sucks 457 00:19:22,080 --> 00:19:24,480 Speaker 1: me in, And that's one of the social media platforms 458 00:19:24,600 --> 00:19:26,840 Speaker 1: you know, I tried to avoid, but it certainly might 459 00:19:26,840 --> 00:19:29,280 Speaker 1: be worth diving into to participate in one of those groups. 460 00:19:29,280 --> 00:19:31,040 Speaker 1: And and especially if you're looking for something that you're 461 00:19:31,040 --> 00:19:34,640 Speaker 1: not necessarily looking to buy new alright, jel One other 462 00:19:34,720 --> 00:19:37,119 Speaker 1: way that you can cut some expenses in order to 463 00:19:37,160 --> 00:19:40,920 Speaker 1: save the money. Let's talk about refinancing a car loan. Right, 464 00:19:41,320 --> 00:19:43,639 Speaker 1: you can't get your home refinanced in a week, but 465 00:19:43,680 --> 00:19:46,200 Speaker 1: you can't get a lower rate on your car loan 466 00:19:46,359 --> 00:19:49,000 Speaker 1: in that amount of time. We're not fans of of 467 00:19:49,000 --> 00:19:50,760 Speaker 1: car det in general. Like I'm willing to even say 468 00:19:50,800 --> 00:19:52,680 Speaker 1: that I hate car loans and I hate when people 469 00:19:52,680 --> 00:19:55,320 Speaker 1: have car loans. I hate the idea of financing something 470 00:19:55,359 --> 00:19:58,320 Speaker 1: that's depreciating, you know. But if you do have some 471 00:19:58,400 --> 00:20:00,840 Speaker 1: car det, we're all about you getting it paid off 472 00:20:00,840 --> 00:20:04,840 Speaker 1: more quickly. Uh. And with interest rates falling like a rock, 473 00:20:05,480 --> 00:20:07,680 Speaker 1: refinancing that Carlon does something in the three to four 474 00:20:07,720 --> 00:20:10,399 Speaker 1: percent range could save you a nice chunk of change 475 00:20:10,400 --> 00:20:12,439 Speaker 1: in the coming months. And you know the thing is, 476 00:20:12,440 --> 00:20:14,399 Speaker 1: with most wonders, you won't even pay a penny to 477 00:20:14,520 --> 00:20:18,240 Speaker 1: rEFInd that vehicle loan, So start checking with local credit 478 00:20:18,320 --> 00:20:20,840 Speaker 1: unions for rates to get the ball rolling. You could 479 00:20:20,840 --> 00:20:23,520 Speaker 1: save money every single month and potentially get your car 480 00:20:23,640 --> 00:20:27,280 Speaker 1: paid off more quickly at the same time. No doubt so, Matt, 481 00:20:27,320 --> 00:20:29,359 Speaker 1: I think those are some great ways to spend less 482 00:20:29,359 --> 00:20:32,080 Speaker 1: in order to save more money this week. But let's 483 00:20:32,080 --> 00:20:33,880 Speaker 1: talk about a few ways that people can quickly earn 484 00:20:33,920 --> 00:20:36,080 Speaker 1: more money this week. We'll get to those as well 485 00:20:36,160 --> 00:20:38,280 Speaker 1: as a couple of bonus ideas that we've got for 486 00:20:38,280 --> 00:20:40,200 Speaker 1: people to to save even more. We'll get to those 487 00:20:40,280 --> 00:20:52,080 Speaker 1: right after the break all right, man, we are back 488 00:20:52,119 --> 00:20:54,160 Speaker 1: from the break and you just you were talking about 489 00:20:54,160 --> 00:20:56,680 Speaker 1: bonus you know, like bonus points. I feel like that's 490 00:20:56,720 --> 00:20:59,800 Speaker 1: the epitome of a clickbait article, you know, like they'll say, 491 00:21:00,240 --> 00:21:02,280 Speaker 1: here are ten ways to do X, but really there's 492 00:21:02,280 --> 00:21:06,240 Speaker 1: only five ways, and four of them are like incredibly weak. Yeah, 493 00:21:06,440 --> 00:21:08,120 Speaker 1: like four of them don't count, and there's one that's 494 00:21:08,160 --> 00:21:09,720 Speaker 1: like what what does that even I don't even know 495 00:21:09,720 --> 00:21:12,000 Speaker 1: what that says? Uh. In our case that it's the 496 00:21:12,000 --> 00:21:14,000 Speaker 1: it's the opposite, Like we do have seven solid ways 497 00:21:14,000 --> 00:21:16,480 Speaker 1: to save more, but we have these two additional two 498 00:21:16,520 --> 00:21:18,840 Speaker 1: or three additional ways to be able to save more money. 499 00:21:18,840 --> 00:21:21,560 Speaker 1: But they didn't quite qualify as spending less, and they 500 00:21:21,560 --> 00:21:24,920 Speaker 1: didn't quite qualify as earning more money as well. But 501 00:21:24,960 --> 00:21:26,520 Speaker 1: that's what we're gonna talk about now, right on the 502 00:21:26,520 --> 00:21:29,000 Speaker 1: other side of the equation. We're gonna talk about earning more. 503 00:21:29,040 --> 00:21:31,720 Speaker 1: We've talked about spending less. Now let's talk about anymore. 504 00:21:31,720 --> 00:21:34,639 Speaker 1: Because you can only make so many cuts too expenses 505 00:21:34,720 --> 00:21:36,760 Speaker 1: in your life. That's true, Matt. You can only go 506 00:21:36,880 --> 00:21:39,280 Speaker 1: so far when it comes to cutting, and so hopefully 507 00:21:39,359 --> 00:21:41,399 Speaker 1: some of the things we mentioned when it comes to 508 00:21:41,400 --> 00:21:44,920 Speaker 1: cutting you're actually not losing anything when you're doing that. Um, 509 00:21:44,960 --> 00:21:47,560 Speaker 1: you're streamlining things, you're saving more, and you're not cutting 510 00:21:47,720 --> 00:21:49,720 Speaker 1: really good things out of your life. One of the 511 00:21:49,720 --> 00:21:51,920 Speaker 1: big ways you can do that quickly is selling stuff 512 00:21:51,960 --> 00:21:54,080 Speaker 1: you no longer need. As you look around your home, 513 00:21:54,119 --> 00:21:56,439 Speaker 1: ask yourself, would I rather have all this stuff I 514 00:21:56,440 --> 00:21:59,000 Speaker 1: don't use anymore filling up my closets or what I'd 515 00:21:59,080 --> 00:22:01,520 Speaker 1: rather have the cash on hand instead? And so if 516 00:22:01,560 --> 00:22:05,359 Speaker 1: you have a bunch of lower cost items or some bigger, 517 00:22:05,560 --> 00:22:09,159 Speaker 1: harder to ship appliances and furniture than Facebook marketplace, I 518 00:22:09,200 --> 00:22:11,520 Speaker 1: think it's probably at this point it's the best place 519 00:22:11,560 --> 00:22:14,840 Speaker 1: to turn. With the largest audience there who wants to 520 00:22:14,840 --> 00:22:16,840 Speaker 1: buy the stuff that you have to sell. You don't 521 00:22:16,840 --> 00:22:18,840 Speaker 1: want to mess with shipping the bigger stuff, and then 522 00:22:18,840 --> 00:22:21,000 Speaker 1: with the smaller items, it's easy to snap a single 523 00:22:21,000 --> 00:22:23,200 Speaker 1: pick and post it with the price in no time. 524 00:22:23,359 --> 00:22:25,000 Speaker 1: And that's just the best way to clear out a 525 00:22:25,000 --> 00:22:27,800 Speaker 1: lot of stuff and make a reasonable return in a 526 00:22:27,800 --> 00:22:29,760 Speaker 1: really short amount of time. Yeah. I mean, I think 527 00:22:29,800 --> 00:22:32,119 Speaker 1: so many of us have just so much clutter in 528 00:22:32,119 --> 00:22:33,560 Speaker 1: our lives, you know, when it comes to just the 529 00:22:33,600 --> 00:22:35,280 Speaker 1: items that we have, and I feel like a lot 530 00:22:35,280 --> 00:22:37,600 Speaker 1: of times too, like the more stuff we have, the 531 00:22:37,680 --> 00:22:39,920 Speaker 1: less money we have because we spend money on that stuff, 532 00:22:39,960 --> 00:22:42,240 Speaker 1: and that equals stress in our lives. Were versus if 533 00:22:42,240 --> 00:22:43,720 Speaker 1: you kind of flip the equation a little bit, but 534 00:22:43,800 --> 00:22:46,159 Speaker 1: if you had less stuff and then you'd have more money, 535 00:22:46,480 --> 00:22:47,920 Speaker 1: I think some of that stress would kind of melt 536 00:22:47,920 --> 00:22:49,280 Speaker 1: away a little bit. I think you're right. And so 537 00:22:49,280 --> 00:22:50,920 Speaker 1: you mentioned some of the items that are probably good 538 00:22:50,920 --> 00:22:53,399 Speaker 1: to sell on Facebook marketplace. But if you have fewer, 539 00:22:53,520 --> 00:22:56,600 Speaker 1: maybe potentially more valuable items that you don't currently use, 540 00:22:56,720 --> 00:22:58,680 Speaker 1: then you'll definitely want to look to eBay. The advantage 541 00:22:58,720 --> 00:23:00,960 Speaker 1: here is obvious, right, Like you have a wider audience 542 00:23:01,040 --> 00:23:03,560 Speaker 1: or just a larger market of folks who might be 543 00:23:03,600 --> 00:23:06,840 Speaker 1: willing to pay you top dollar for your stuff. You know, 544 00:23:06,840 --> 00:23:09,600 Speaker 1: a couple of months ago, I asked if selling a 545 00:23:09,640 --> 00:23:11,960 Speaker 1: gift that Kate had received, if that was frul or cheap. 546 00:23:12,240 --> 00:23:15,440 Speaker 1: It was kind of this specialty item, but we were 547 00:23:15,480 --> 00:23:17,680 Speaker 1: able to get way more money on eBay than if 548 00:23:17,720 --> 00:23:20,119 Speaker 1: we would have just sold it on Facebook marketplace, because 549 00:23:20,160 --> 00:23:21,600 Speaker 1: there aren't a lot of folks who would have been 550 00:23:21,640 --> 00:23:24,440 Speaker 1: able to pay hundreds of dollars for that gift, which, 551 00:23:24,480 --> 00:23:26,600 Speaker 1: by the way, I'll tell you we ended up selling 552 00:23:26,600 --> 00:23:30,720 Speaker 1: it for five dollars. I think we were hoping it 553 00:23:30,760 --> 00:23:32,840 Speaker 1: was going to maybe cop out at around eight hundred. 554 00:23:32,840 --> 00:23:35,040 Speaker 1: Didn't quite get there, but still six five that you 555 00:23:35,119 --> 00:23:37,000 Speaker 1: didn't have before, that we didn't have that was just 556 00:23:37,119 --> 00:23:39,720 Speaker 1: literally sitting in Kate's closet, and she thought, why do 557 00:23:39,760 --> 00:23:41,199 Speaker 1: I even why am I keeping this around? I need 558 00:23:41,240 --> 00:23:42,720 Speaker 1: to get rid of it. I mean, I mean most 559 00:23:42,720 --> 00:23:45,680 Speaker 1: of us wish we could find six bucks, like from 560 00:23:45,680 --> 00:23:47,719 Speaker 1: one item. That's incredible. She was very happy for us 561 00:23:47,760 --> 00:23:49,959 Speaker 1: to have taken that item, sold it and then had 562 00:23:49,960 --> 00:23:52,520 Speaker 1: that money on hand, and she very politely reminded me 563 00:23:52,760 --> 00:23:54,879 Speaker 1: make sure that money ends up in my account. By 564 00:23:54,880 --> 00:23:58,640 Speaker 1: the way, well, I think to Matt, like, it can 565 00:23:58,720 --> 00:24:00,840 Speaker 1: be stuff that you currently have in your house, but 566 00:24:01,000 --> 00:24:04,800 Speaker 1: also it could be stuff that you've purchased, maybe even 567 00:24:04,840 --> 00:24:06,720 Speaker 1: at a thrift store or a good will. Our friend 568 00:24:06,800 --> 00:24:10,160 Speaker 1: Katie woke Stanley. She constantly is posting her good will finds. 569 00:24:10,200 --> 00:24:11,720 Speaker 1: She's been on the show before, by the way, but 570 00:24:11,880 --> 00:24:14,680 Speaker 1: she doesn't keep most of these things herself. She turns 571 00:24:14,680 --> 00:24:18,119 Speaker 1: around and sells them, mostly on eBay, and she actually 572 00:24:18,160 --> 00:24:20,280 Speaker 1: recently made a nice chunk of change selling something she 573 00:24:20,320 --> 00:24:22,840 Speaker 1: did have on hand, which was her son's old text books. 574 00:24:22,880 --> 00:24:24,919 Speaker 1: But there are so many other things that she's on 575 00:24:24,960 --> 00:24:27,040 Speaker 1: the lookout for when she's a good will that she 576 00:24:27,080 --> 00:24:29,439 Speaker 1: can just immediately turn around and flip and sell on eBay. 577 00:24:29,800 --> 00:24:32,160 Speaker 1: And so I guarantee that people have something of their 578 00:24:32,200 --> 00:24:35,040 Speaker 1: home that are worth real money. Maybe old baseball cards 579 00:24:35,040 --> 00:24:37,440 Speaker 1: in the attic, hunt for the gold that currently exists 580 00:24:37,480 --> 00:24:39,680 Speaker 1: under your roof that you don't really care about it anymore, 581 00:24:39,800 --> 00:24:42,160 Speaker 1: make that money, or go out to your local thrift 582 00:24:42,160 --> 00:24:44,119 Speaker 1: store and see what you can find. Yeah, and when 583 00:24:44,160 --> 00:24:45,959 Speaker 1: it comes to selling on you Bay, man, it's definitely 584 00:24:46,000 --> 00:24:48,399 Speaker 1: helpful if you have had an account, you know, for 585 00:24:48,440 --> 00:24:51,239 Speaker 1: a number of years with some transactions next to your 586 00:24:51,280 --> 00:24:53,480 Speaker 1: name when you're selling, and not just transactions to but 587 00:24:53,560 --> 00:24:56,239 Speaker 1: you know, actual positive feedback. But other than that, man, 588 00:24:56,280 --> 00:24:58,000 Speaker 1: I think the best thing that you can do, uh, 589 00:24:58,080 --> 00:25:00,679 Speaker 1: if you're looking to post something to sell is to 590 00:25:00,720 --> 00:25:03,040 Speaker 1: make sure you've got good pictures. You want to make 591 00:25:03,080 --> 00:25:05,200 Speaker 1: sure that those pictures are bright's, uh, that there's not 592 00:25:05,240 --> 00:25:07,600 Speaker 1: a whole lot of other junk in the photo. When 593 00:25:07,640 --> 00:25:09,879 Speaker 1: you're making that listing, I'll say as well, there's a 594 00:25:09,880 --> 00:25:12,760 Speaker 1: difference between something that's well lit inside your house versus 595 00:25:12,800 --> 00:25:16,080 Speaker 1: something that's lit well with natural daylight. It's hard to explain, 596 00:25:16,119 --> 00:25:18,800 Speaker 1: but just like the quality of daylight is so much 597 00:25:18,840 --> 00:25:21,040 Speaker 1: better than just the light that you're going to get 598 00:25:21,080 --> 00:25:24,119 Speaker 1: out of an LED or just a super orange tungsten bulb. 599 00:25:24,359 --> 00:25:26,119 Speaker 1: But even if you can't get a really bright photo, 600 00:25:26,440 --> 00:25:28,280 Speaker 1: it is so easy on your to take that picture 601 00:25:28,320 --> 00:25:30,399 Speaker 1: with your phone, but then go and edit that photo 602 00:25:30,480 --> 00:25:32,679 Speaker 1: just by boosting that exposure. And I think for the 603 00:25:32,760 --> 00:25:35,000 Speaker 1: vast majority of folks, if they just make their photos 604 00:25:35,080 --> 00:25:37,040 Speaker 1: brighter to where you can see what is actually in 605 00:25:37,080 --> 00:25:39,320 Speaker 1: the photo, make it bright and crisp, that would go 606 00:25:39,400 --> 00:25:42,480 Speaker 1: a long way in making an item look more attractive. Yeah, 607 00:25:42,560 --> 00:25:46,520 Speaker 1: no doubt. The photography makes a big difference, obviously unbiased, 608 00:25:47,359 --> 00:25:50,119 Speaker 1: but it makes a big difference on whether people actually 609 00:25:50,119 --> 00:25:51,760 Speaker 1: want the item and how much they're willing to bid 610 00:25:51,760 --> 00:25:54,160 Speaker 1: for it, for sure, all right, matt Uh. The next 611 00:25:54,160 --> 00:25:57,720 Speaker 1: thing when it comes to earning more is consider launching 612 00:25:57,760 --> 00:26:00,879 Speaker 1: an Airbnb. If you have an unused or under utilized 613 00:26:00,960 --> 00:26:03,679 Speaker 1: room in your house, listing that room on Airbnb might 614 00:26:03,680 --> 00:26:05,439 Speaker 1: be one of the easiest ways to start making some 615 00:26:05,560 --> 00:26:09,960 Speaker 1: decent cash immediately, and we say immediately because Airbnb typically 616 00:26:09,960 --> 00:26:13,560 Speaker 1: releases those funds twenty four hours after your guest checks in. 617 00:26:13,840 --> 00:26:15,560 Speaker 1: So this is definitely a way for you to make 618 00:26:15,600 --> 00:26:18,720 Speaker 1: more money this week have it in your checking account. 619 00:26:18,840 --> 00:26:21,560 Speaker 1: It's not something that takes weeks or months to build 620 00:26:21,600 --> 00:26:24,000 Speaker 1: up to. If you have a room or a TP 621 00:26:24,119 --> 00:26:27,280 Speaker 1: in the backyard, whatever it is, you can list it 622 00:26:27,280 --> 00:26:30,040 Speaker 1: on Airbnb, get some guests of that book, and get 623 00:26:30,080 --> 00:26:33,080 Speaker 1: money quickly by doing so. Yeah. Literally, man, if you 624 00:26:33,119 --> 00:26:35,160 Speaker 1: are listening to this episode Wednesday morning, you could snap 625 00:26:35,160 --> 00:26:38,480 Speaker 1: some pictures today, have your listing live by this afternoon, 626 00:26:38,680 --> 00:26:41,119 Speaker 1: and someone could find your listing tomorrow morning, Thursday morning, 627 00:26:41,280 --> 00:26:43,440 Speaker 1: and bucket for this weekend. It sounds crazy, but you 628 00:26:43,480 --> 00:26:46,640 Speaker 1: literally could have your first guests this weekend and you'd 629 00:26:46,640 --> 00:26:49,080 Speaker 1: have money in your linked checking account by the end 630 00:26:49,080 --> 00:26:51,439 Speaker 1: of the weekends. It's crazy. We talked in depth with 631 00:26:51,600 --> 00:26:53,959 Speaker 1: Zeona McIntyre back in episode two fifty three, but it 632 00:26:54,000 --> 00:26:56,040 Speaker 1: really is so easy to snap some picks and get 633 00:26:56,040 --> 00:26:59,480 Speaker 1: that listing up. Not everyone has the space or is 634 00:26:59,520 --> 00:27:01,760 Speaker 1: necessarily comfortable with us. You know, Beau, you know, also 635 00:27:01,800 --> 00:27:04,160 Speaker 1: has some good outside of the box ways to think 636 00:27:04,160 --> 00:27:07,600 Speaker 1: about making some extra income on airbnb, like listening out 637 00:27:07,640 --> 00:27:09,520 Speaker 1: your backyard for some campers. You know, there's all sorts 638 00:27:09,560 --> 00:27:11,520 Speaker 1: of routes you can take, but you know, especially if 639 00:27:11,560 --> 00:27:14,119 Speaker 1: you are interested in house hacking or if you have 640 00:27:14,440 --> 00:27:18,320 Speaker 1: you know, larger real estate investing dreams, Airbnb is definitely 641 00:27:18,359 --> 00:27:21,199 Speaker 1: the fastest way to get started. Agreed. All I kind 642 00:27:21,240 --> 00:27:22,520 Speaker 1: of miss it a little bit, you know, I guess 643 00:27:22,520 --> 00:27:24,560 Speaker 1: doing the Airbn more we talk about Airbnb, I'm just like, 644 00:27:24,600 --> 00:27:26,439 Speaker 1: oh man, it really was such a like it's it 645 00:27:26,520 --> 00:27:29,199 Speaker 1: was so fun. But for us, you know, having that 646 00:27:29,240 --> 00:27:31,359 Speaker 1: fourth kid and just kind of also trying to do 647 00:27:31,400 --> 00:27:33,600 Speaker 1: everything involved with Airbnb, we just didn't have time for it. 648 00:27:33,600 --> 00:27:35,400 Speaker 1: May yeah, no, I understand. But but for a lot 649 00:27:35,440 --> 00:27:37,679 Speaker 1: of people out there who want to make money and 650 00:27:37,680 --> 00:27:40,040 Speaker 1: they want to do it in the near term, I agree, 651 00:27:40,080 --> 00:27:43,360 Speaker 1: airbb it's like a perfect thing to consider. Another thing, 652 00:27:43,400 --> 00:27:46,560 Speaker 1: Matt is working more. You and I were not fans 653 00:27:46,560 --> 00:27:48,639 Speaker 1: of the eighty hour work week or even the sixty 654 00:27:48,640 --> 00:27:51,600 Speaker 1: hour work week, but if you're looking to enhance your 655 00:27:51,600 --> 00:27:55,399 Speaker 1: bank account quickly, take advantage of potential overtime if you 656 00:27:55,440 --> 00:27:58,200 Speaker 1: have that ability where you work, and if that's not possible, 657 00:27:58,320 --> 00:28:00,240 Speaker 1: you know side, Hustling online is a great way to 658 00:28:00,240 --> 00:28:03,320 Speaker 1: generate cash quickly. It doesn't have to be something you 659 00:28:03,400 --> 00:28:05,960 Speaker 1: incorporate for the long term. But if you have a 660 00:28:06,040 --> 00:28:09,080 Speaker 1: desire to save more money this week and can find 661 00:28:09,240 --> 00:28:11,639 Speaker 1: a way to make money by working more, then we 662 00:28:11,640 --> 00:28:13,320 Speaker 1: would suggest making it happen. I mean, I think it's 663 00:28:13,359 --> 00:28:15,159 Speaker 1: one of those things where it doesn't have to be 664 00:28:15,200 --> 00:28:17,240 Speaker 1: for always, like you don't have to be dedicated to 665 00:28:17,280 --> 00:28:20,360 Speaker 1: working sixty hour plus weeks all the time. But if 666 00:28:20,400 --> 00:28:23,040 Speaker 1: it's a way to quickly ramp up the amount of 667 00:28:23,080 --> 00:28:25,840 Speaker 1: money that you have to fully fund an emergency fund 668 00:28:26,119 --> 00:28:28,280 Speaker 1: in a very short period of time, that we would say, yeah, 669 00:28:28,320 --> 00:28:30,720 Speaker 1: work more for a little while to to get to 670 00:28:30,760 --> 00:28:33,199 Speaker 1: that point. Yeah, man. And and something that everyone can 671 00:28:33,240 --> 00:28:36,000 Speaker 1: do too is to make some money online this week 672 00:28:36,080 --> 00:28:38,320 Speaker 1: by by taking just some of the different online surveys 673 00:28:38,360 --> 00:28:41,400 Speaker 1: for sites like swag Bucks and inbox Dollars. You're not 674 00:28:41,440 --> 00:28:43,600 Speaker 1: gonna get rich right doing this, but it will give 675 00:28:43,600 --> 00:28:46,520 Speaker 1: you some extra money quickly by performing these micro jobs. 676 00:28:46,920 --> 00:28:49,160 Speaker 1: But some folks will make you know, hundreds of dollars 677 00:28:49,200 --> 00:28:52,000 Speaker 1: a month doing these jobs on sites like m turk 678 00:28:52,400 --> 00:28:54,520 Speaker 1: and filling out these online surveys. Joe, I know a 679 00:28:54,520 --> 00:28:56,880 Speaker 1: front of yours, Michael. He wrote actually a great review 680 00:28:56,960 --> 00:28:59,800 Speaker 1: of m turk after trying to make money for thirty days. 681 00:29:00,080 --> 00:29:02,120 Speaker 1: But when you do jobs at m turk, you really 682 00:29:02,160 --> 00:29:05,960 Speaker 1: need to check out the turker Nation reddit forum for 683 00:29:06,040 --> 00:29:09,000 Speaker 1: help finding the right gigs that pay the best for you. 684 00:29:09,280 --> 00:29:11,000 Speaker 1: So we'll link to both of those in our show notes. 685 00:29:11,040 --> 00:29:13,640 Speaker 1: If that sounds like something that interests you, yeah, I 686 00:29:13,640 --> 00:29:15,840 Speaker 1: think it is nice to know that you can make 687 00:29:15,840 --> 00:29:19,120 Speaker 1: money from your house basically whenever you want to. But 688 00:29:19,320 --> 00:29:21,400 Speaker 1: the thing is, you do need to pay attention to 689 00:29:21,480 --> 00:29:23,880 Speaker 1: how to go about it well, because if you're doing 690 00:29:23,880 --> 00:29:25,680 Speaker 1: it on a site like m turk, you could get 691 00:29:25,920 --> 00:29:28,240 Speaker 1: a buck fifteen hour, or you also could get paid 692 00:29:28,400 --> 00:29:30,640 Speaker 1: fifteen bucks an hour. It just depends on the jobs 693 00:29:30,640 --> 00:29:33,000 Speaker 1: you choose, and and that Reddit forum can be just 694 00:29:33,440 --> 00:29:36,040 Speaker 1: really really helpful in avoiding some of the lower paying 695 00:29:36,040 --> 00:29:38,200 Speaker 1: work that's out there. And it doesn't have to be 696 00:29:38,240 --> 00:29:40,640 Speaker 1: just online either, Matt like, there are ways to make money, 697 00:29:40,640 --> 00:29:43,479 Speaker 1: I think this week in your neighborhood. If you're up 698 00:29:43,480 --> 00:29:46,160 Speaker 1: for walking dogs, mowing lawns, or cleaning houses, you can 699 00:29:46,160 --> 00:29:48,640 Speaker 1: go old school prono, some flyers or posting your neighborhood 700 00:29:48,680 --> 00:29:51,400 Speaker 1: Facebook page. Think up a skill that's outside of the 701 00:29:51,440 --> 00:29:53,880 Speaker 1: box or a service that you can provide quickly to 702 00:29:53,920 --> 00:29:57,000 Speaker 1: your neighbors. For example, we're getting close to leaf season, 703 00:29:57,360 --> 00:29:59,920 Speaker 1: and man, I'm totally willing to pay people to break 704 00:30:00,040 --> 00:30:02,160 Speaker 1: leaves because I went through enough of that in childhood 705 00:30:02,200 --> 00:30:04,720 Speaker 1: and I'm not doing it again. Okay, I feel like 706 00:30:04,800 --> 00:30:07,480 Speaker 1: I've got some trauma, some scarring from all the leaves 707 00:30:07,480 --> 00:30:08,480 Speaker 1: I had to rake when I was a kid, and 708 00:30:08,520 --> 00:30:10,360 Speaker 1: I'm just waiting on that stiff breeze to just blow 709 00:30:10,360 --> 00:30:12,400 Speaker 1: all the leaves from our front yard to our neighbors. 710 00:30:13,400 --> 00:30:15,480 Speaker 1: That's what I bank on. The fingers crossed, like, yeah, 711 00:30:15,760 --> 00:30:17,440 Speaker 1: staring at them a night. Obviously, I'm not gonna go 712 00:30:17,480 --> 00:30:19,040 Speaker 1: out there with the blower and do that. But you know, 713 00:30:19,080 --> 00:30:21,080 Speaker 1: if the wind does it, you know, that's just nature 714 00:30:21,440 --> 00:30:23,920 Speaker 1: my fault. Yeah. I really do think that there are 715 00:30:23,920 --> 00:30:27,080 Speaker 1: so many ways where people have a gift or they 716 00:30:27,120 --> 00:30:29,520 Speaker 1: have the ability to do something that their neighbors need, 717 00:30:29,920 --> 00:30:32,240 Speaker 1: and just letting people know that you're out there and 718 00:30:32,280 --> 00:30:34,480 Speaker 1: you're willing to provide that service, you could see like 719 00:30:34,520 --> 00:30:36,600 Speaker 1: an overflowing of response and you don't have to be 720 00:30:36,680 --> 00:30:38,560 Speaker 1: highly skilled. I don't think in order to do that 721 00:30:38,600 --> 00:30:40,440 Speaker 1: like it can be. It can be almost anything. You 722 00:30:40,480 --> 00:30:42,240 Speaker 1: just have to make people aware of it. And I 723 00:30:42,240 --> 00:30:44,680 Speaker 1: think these digital micro jobs or like some of these 724 00:30:44,720 --> 00:30:47,800 Speaker 1: in person odd jobs are a great option as well 725 00:30:47,840 --> 00:30:49,840 Speaker 1: if you know you have an hourly job where your 726 00:30:49,840 --> 00:30:51,800 Speaker 1: hours have been cut and you're looking for something to 727 00:30:52,040 --> 00:30:54,640 Speaker 1: kind of fill the gap before the economy turns around 728 00:30:54,640 --> 00:30:56,560 Speaker 1: a little bit more. And so Joel, I don't know 729 00:30:56,640 --> 00:30:59,240 Speaker 1: folks recounting, but that is seven different ways that you 730 00:30:59,280 --> 00:31:01,920 Speaker 1: can save more money this week, between spending less and 731 00:31:02,040 --> 00:31:04,200 Speaker 1: earning more. But like we touched on earlier, we have 732 00:31:04,200 --> 00:31:07,400 Speaker 1: a couple more bonus ways to get more money in 733 00:31:07,440 --> 00:31:11,400 Speaker 1: your hands. Let's getting that bonus own bonus round commence. 734 00:31:11,840 --> 00:31:15,360 Speaker 1: We would recommend for folks to look for unclaimed money man. 735 00:31:15,480 --> 00:31:17,360 Speaker 1: We talked about this a while back and we got 736 00:31:17,400 --> 00:31:20,040 Speaker 1: a lot of positive feedback from some listeners who found 737 00:31:20,120 --> 00:31:23,200 Speaker 1: money that belonged to them or even do a family member. 738 00:31:23,400 --> 00:31:26,680 Speaker 1: So check out missing money dot com as well as 739 00:31:26,800 --> 00:31:30,320 Speaker 1: unclaimed dot org to see if there's some money out 740 00:31:30,320 --> 00:31:32,840 Speaker 1: there that is rightfully yours. Uh. You might be owed 741 00:31:32,840 --> 00:31:35,120 Speaker 1: money from maybe a tax refund that you never received 742 00:31:35,320 --> 00:31:37,760 Speaker 1: or or maybe even from unclaimed property in the state 743 00:31:37,800 --> 00:31:41,040 Speaker 1: where you live. Searching at those sites is completely free 744 00:31:41,360 --> 00:31:43,280 Speaker 1: and it really takes almost no time. You're really just 745 00:31:43,320 --> 00:31:45,880 Speaker 1: going to that site, typing in your name, searching the database. 746 00:31:46,280 --> 00:31:48,360 Speaker 1: Just by doing that, it could get you some extra 747 00:31:48,560 --> 00:31:52,120 Speaker 1: money very quickly and very easily as well. And that's man, 748 00:31:52,160 --> 00:31:53,800 Speaker 1: that's that's some the best money out there. Yeah, you 749 00:31:53,840 --> 00:31:56,040 Speaker 1: can search for a friend or family member to or 750 00:31:56,080 --> 00:31:58,320 Speaker 1: help somebody else out, but search for yourself. Give it 751 00:31:58,360 --> 00:32:01,240 Speaker 1: a go. Uh, but you've look for friends missing money 752 00:32:01,280 --> 00:32:03,360 Speaker 1: and then be like, hey, gonna let you know there's 753 00:32:03,360 --> 00:32:05,480 Speaker 1: some missing money out there for you, but there's a 754 00:32:05,520 --> 00:32:09,080 Speaker 1: finder's feed. I take a ten percent cut. Now, I'm 755 00:32:09,080 --> 00:32:11,000 Speaker 1: always like willing to help a friend out and and 756 00:32:11,120 --> 00:32:13,280 Speaker 1: share that information with them. But it's one of those 757 00:32:13,320 --> 00:32:15,280 Speaker 1: things too, where Yeah, most of the things we mentioned 758 00:32:15,320 --> 00:32:17,960 Speaker 1: to involve some sort of work on your part, whether 759 00:32:18,000 --> 00:32:20,479 Speaker 1: it's calling an insurance broker to shop that insurance coverage, 760 00:32:20,960 --> 00:32:23,760 Speaker 1: or whether it is working more or starting that Airbnb 761 00:32:23,920 --> 00:32:26,640 Speaker 1: right selling stuff. All those things require some work. But 762 00:32:26,720 --> 00:32:29,520 Speaker 1: this one is like almost no work. It's literally typing 763 00:32:29,560 --> 00:32:31,800 Speaker 1: your name into a database. And I think that's why 764 00:32:31,800 --> 00:32:33,760 Speaker 1: people were so excited the first time we talked about it. 765 00:32:33,840 --> 00:32:36,280 Speaker 1: The many people who reached back out to via email, 766 00:32:36,320 --> 00:32:38,480 Speaker 1: who's who found money that was there is They're like, oh, 767 00:32:38,480 --> 00:32:40,719 Speaker 1: my gosh, I didn't know this was there. There's hundreds 768 00:32:40,720 --> 00:32:43,400 Speaker 1: of dollars that I didn't realize existed or that I 769 00:32:43,440 --> 00:32:45,520 Speaker 1: was owed. So it's an easy way to potentially make 770 00:32:45,560 --> 00:32:47,120 Speaker 1: some more money this week. And it's kind of fun too. 771 00:32:47,120 --> 00:32:50,360 Speaker 1: It's almost like a scratch off. It's like playing a lottery, 772 00:32:50,400 --> 00:32:52,360 Speaker 1: but without playing the lottery. It's like playing the lottery, 773 00:32:52,400 --> 00:32:55,320 Speaker 1: except for Hey, that's that's my money, give it back 774 00:32:55,440 --> 00:32:57,360 Speaker 1: right now. And yet one other bonus item we want 775 00:32:57,360 --> 00:32:59,960 Speaker 1: to toss your way is thinking about your credit card 776 00:33:00,000 --> 00:33:03,000 Speaker 1: rewards and specifically thinking about the sign up bonus that 777 00:33:03,120 --> 00:33:04,840 Speaker 1: is offered with with some of these credit cards that 778 00:33:04,840 --> 00:33:06,920 Speaker 1: you can sign up for. It's important to note that 779 00:33:07,000 --> 00:33:09,880 Speaker 1: Matt and I we love credit cards, but only if 780 00:33:09,920 --> 00:33:12,000 Speaker 1: you pay your bill off in full at the end 781 00:33:12,040 --> 00:33:14,520 Speaker 1: of every month, and if you can be a conscious 782 00:33:14,520 --> 00:33:17,560 Speaker 1: spender where you're doing your normal spending, you're just putting 783 00:33:17,560 --> 00:33:18,960 Speaker 1: it on a credit card that gets paid off at 784 00:33:19,000 --> 00:33:21,440 Speaker 1: the end of every month instead of using cash or 785 00:33:21,480 --> 00:33:24,080 Speaker 1: a debit card, but you can score a few hundred 786 00:33:24,080 --> 00:33:26,480 Speaker 1: bucks just by opening a new credit card, and credit 787 00:33:26,480 --> 00:33:28,800 Speaker 1: card sign up bonuses are an effective way to make 788 00:33:28,840 --> 00:33:31,760 Speaker 1: money quickly, right and you'll likely be able to add 789 00:33:31,800 --> 00:33:34,200 Speaker 1: a credit card to your personal wallet that can earn 790 00:33:34,200 --> 00:33:36,320 Speaker 1: you better awards at the same time, So that's a 791 00:33:36,400 --> 00:33:38,080 Speaker 1: nice perk. You might be able to earn a few 792 00:33:38,160 --> 00:33:40,880 Speaker 1: hundred bucks just by meeting a minimum spend limit on 793 00:33:40,880 --> 00:33:42,480 Speaker 1: that new credit card, and at the same time have 794 00:33:42,560 --> 00:33:44,640 Speaker 1: a credit card that's going to be better for you 795 00:33:44,720 --> 00:33:46,560 Speaker 1: over the long run when it comes to the rewards 796 00:33:46,560 --> 00:33:48,240 Speaker 1: you're going to get based on the way that you 797 00:33:48,320 --> 00:33:50,720 Speaker 1: normally spend well. And also when it comes to interest 798 00:33:50,760 --> 00:33:53,120 Speaker 1: payments that you might have on a credit card balance, 799 00:33:53,520 --> 00:33:56,600 Speaker 1: UH look to negotiate down your interest rate. Call your 800 00:33:56,600 --> 00:33:59,160 Speaker 1: credit card company and see what they can do for you, 801 00:33:59,600 --> 00:34:01,320 Speaker 1: and if they're not willing to budge, then see if 802 00:34:01,320 --> 00:34:03,880 Speaker 1: you can sign up for a new zero percent balance 803 00:34:03,960 --> 00:34:07,480 Speaker 1: transfer card and that would allow you to immediately put 804 00:34:07,520 --> 00:34:09,920 Speaker 1: that payment on hold. And we have articles up on 805 00:34:09,920 --> 00:34:12,360 Speaker 1: the site about you know, the best zero percent transfer 806 00:34:12,360 --> 00:34:14,799 Speaker 1: cards as well as the best credit cards based on 807 00:34:14,840 --> 00:34:17,040 Speaker 1: how it is that you spend UH and We wanted 808 00:34:17,080 --> 00:34:19,359 Speaker 1: to mention that too, because if you did sign up 809 00:34:19,360 --> 00:34:21,200 Speaker 1: for a card through some of those links, it does 810 00:34:21,360 --> 00:34:23,560 Speaker 1: help out the show. So we wanted to mention that 811 00:34:23,600 --> 00:34:26,120 Speaker 1: we want to be transparent and thank you, especially if 812 00:34:26,120 --> 00:34:28,680 Speaker 1: you find those resources helpful. All right, Matt, that's it 813 00:34:28,760 --> 00:34:31,080 Speaker 1: for the Bonus Zone. We give those two extra tips 814 00:34:31,080 --> 00:34:34,279 Speaker 1: to try to help people, but hopefully this episode gives 815 00:34:34,280 --> 00:34:37,279 Speaker 1: people some some practical takeaways in order to save more 816 00:34:37,320 --> 00:34:40,239 Speaker 1: money this week. It's important to note that often the 817 00:34:40,280 --> 00:34:42,160 Speaker 1: things that will make you the most money or save 818 00:34:42,200 --> 00:34:44,759 Speaker 1: you the most money do take time. Right if you 819 00:34:44,800 --> 00:34:47,160 Speaker 1: opt to downsize an apartment that you're living in, that 820 00:34:47,239 --> 00:34:48,759 Speaker 1: I'll save you a lot of money, but you have 821 00:34:48,760 --> 00:34:50,920 Speaker 1: to wait until your lease is up. Usually, if you 822 00:34:50,920 --> 00:34:53,279 Speaker 1: want to earn more money at your job, that usually 823 00:34:53,360 --> 00:34:56,120 Speaker 1: requires a few conversations with your boss about performance and 824 00:34:56,160 --> 00:34:59,200 Speaker 1: responsibilities that you're willing to take on. And we're all 825 00:34:59,239 --> 00:35:01,799 Speaker 1: for pulling those types the levers to but sometimes it 826 00:35:01,880 --> 00:35:03,520 Speaker 1: is nice to know that you can ramp up your 827 00:35:03,520 --> 00:35:06,160 Speaker 1: savings in just a week and have some extra cash 828 00:35:06,200 --> 00:35:08,880 Speaker 1: on hand, whether it's finally getting that emergency fund in 829 00:35:08,960 --> 00:35:12,160 Speaker 1: order or starting to save for a family vacation that 830 00:35:12,160 --> 00:35:14,480 Speaker 1: you're wanting to take down the road. Hopefully the things 831 00:35:14,480 --> 00:35:16,719 Speaker 1: we talked about on this episode can help you up 832 00:35:16,760 --> 00:35:19,439 Speaker 1: your personal finance game and get to another level, uh 833 00:35:19,680 --> 00:35:21,440 Speaker 1: in a quicker time frame than maybe you thought was 834 00:35:21,480 --> 00:35:24,520 Speaker 1: possible by tackling Hopefully every single one of these are 835 00:35:24,600 --> 00:35:26,200 Speaker 1: most of these right if you're able to. And at 836 00:35:26,200 --> 00:35:28,319 Speaker 1: the same time, we realize that we listed seven, there 837 00:35:28,320 --> 00:35:30,400 Speaker 1: are so many more ways that you can make or 838 00:35:30,440 --> 00:35:33,800 Speaker 1: save money quickly, and so let us know in the 839 00:35:33,880 --> 00:35:36,239 Speaker 1: how do Money Facebook group or shoot us an email like, 840 00:35:36,280 --> 00:35:39,200 Speaker 1: what's your biggest way to save money incredibly quickly? In 841 00:35:39,239 --> 00:35:40,920 Speaker 1: particular if you post it in the Facebook group, that 842 00:35:40,920 --> 00:35:43,040 Speaker 1: those kind of things are gonna help other people broaden 843 00:35:43,040 --> 00:35:46,200 Speaker 1: their horizons, inspire others to make a quick change in 844 00:35:46,320 --> 00:35:48,440 Speaker 1: order to keep more of the money that they have earned, 845 00:35:48,719 --> 00:35:50,920 Speaker 1: which is huge. We're all about that. So all right, Matt, 846 00:35:51,000 --> 00:35:53,040 Speaker 1: let's get back to the beer that we had on 847 00:35:53,080 --> 00:35:55,960 Speaker 1: the show this episode. This one was called Dad Jokes 848 00:35:56,200 --> 00:35:59,120 Speaker 1: by Morgan Territory Brewing. What was your take on this beer? Man? 849 00:35:59,440 --> 00:36:01,239 Speaker 1: So as you said that, Man, I'm holding this can 850 00:36:01,280 --> 00:36:03,279 Speaker 1: and I looked at the side and it says MT 851 00:36:03,960 --> 00:36:06,880 Speaker 1: which stands for Morgan territory. It says empty your pint, 852 00:36:07,520 --> 00:36:12,600 Speaker 1: which is like classic dumb dad joke character. I almost 853 00:36:12,600 --> 00:36:13,960 Speaker 1: said it out loud. I was like, what is empty 854 00:36:14,040 --> 00:36:17,200 Speaker 1: your point? I was like, oh my gosh, there's a 855 00:36:17,239 --> 00:36:19,719 Speaker 1: literal dad joke on this can of beer. Uh. You 856 00:36:19,760 --> 00:36:21,279 Speaker 1: asked me how what I thought of it? This is 857 00:36:21,320 --> 00:36:22,960 Speaker 1: a solid I p A. Man, it had kind of 858 00:36:23,000 --> 00:36:24,839 Speaker 1: like to me, it had great fruity notes and kind 859 00:36:24,880 --> 00:36:26,759 Speaker 1: of like some piny notes as well. It reminded me 860 00:36:26,840 --> 00:36:29,120 Speaker 1: of like a West Coast I p A a a little bit. 861 00:36:29,320 --> 00:36:32,800 Speaker 1: It's certainly not a New England style hazy. This is 862 00:36:32,880 --> 00:36:34,319 Speaker 1: kind of like an old school I p A. But 863 00:36:34,360 --> 00:36:37,200 Speaker 1: it was really good um and too man. It actually 864 00:36:37,200 --> 00:36:40,760 Speaker 1: had almost like a warming effect, uh, like the body 865 00:36:40,800 --> 00:36:42,400 Speaker 1: it had, Like as I was drinking, it kind of 866 00:36:42,400 --> 00:36:44,960 Speaker 1: made me feel good that the leaves are falling a 867 00:36:45,000 --> 00:36:47,080 Speaker 1: little bit outside and it's kind of cooling down, and 868 00:36:47,080 --> 00:36:48,560 Speaker 1: it kind of feel like this beer almost warned me 869 00:36:48,640 --> 00:36:51,359 Speaker 1: up from the from the inside out. That's nice. That's 870 00:36:51,360 --> 00:36:54,719 Speaker 1: sweet and almost as heartwarming as a really good dad 871 00:36:54,800 --> 00:36:58,200 Speaker 1: joke like empty your can or point or whatever. Of 872 00:36:58,200 --> 00:37:00,160 Speaker 1: course I'm gonna do that, man. I never leave any 873 00:37:00,239 --> 00:37:02,920 Speaker 1: drops behind, No soldier left behind, man. But yeah, what 874 00:37:02,960 --> 00:37:05,400 Speaker 1: were your thoughts on this beer? Yeah, this one definitely 875 00:37:05,400 --> 00:37:08,520 Speaker 1: had more West Coast tendencies, more piney, more bitter, and 876 00:37:08,560 --> 00:37:11,040 Speaker 1: a little bit of that grapefruit pith. I agree. I 877 00:37:11,120 --> 00:37:12,399 Speaker 1: love I p A S. I feel like I could 878 00:37:12,400 --> 00:37:14,520 Speaker 1: never exhaust all the I p a s in the world, 879 00:37:14,560 --> 00:37:16,560 Speaker 1: like I try them all man, I'm up for trying 880 00:37:16,560 --> 00:37:18,319 Speaker 1: every single one of them, and this one had just 881 00:37:18,360 --> 00:37:21,160 Speaker 1: this massive West Coast vibe that I totally appreciate. But 882 00:37:21,160 --> 00:37:23,680 Speaker 1: I don't really drink that often. So big thanks to 883 00:37:23,680 --> 00:37:25,759 Speaker 1: our listener Brent for sending this one. All right, Yeah, 884 00:37:25,760 --> 00:37:27,560 Speaker 1: thanks again, Brent. I didn't I forgot that he sent 885 00:37:27,640 --> 00:37:30,040 Speaker 1: this one our way, but thank you, Brent. Yeah. Always 886 00:37:30,080 --> 00:37:31,960 Speaker 1: fun to get to try beers from breweries that we 887 00:37:32,239 --> 00:37:34,600 Speaker 1: don't even have access to here where we live in Atlanta, 888 00:37:34,640 --> 00:37:36,719 Speaker 1: So thanks Brent. Um. All right, Matt, that's gonna do 889 00:37:36,760 --> 00:37:39,200 Speaker 1: it for this episode. If you're out there listening and 890 00:37:39,200 --> 00:37:40,880 Speaker 1: you want the show notes, you want the summary and 891 00:37:40,920 --> 00:37:42,879 Speaker 1: also the links to some of the things we talked 892 00:37:42,880 --> 00:37:45,160 Speaker 1: about in the episode. Today, we'll just go to our 893 00:37:45,200 --> 00:37:47,719 Speaker 1: website at how to money dot com and sometimes We 894 00:37:47,760 --> 00:37:49,680 Speaker 1: ask for a review at this point if you've enjoyed 895 00:37:49,719 --> 00:37:52,520 Speaker 1: the episode, But then sometimes we don't, and this time 896 00:37:52,560 --> 00:37:54,360 Speaker 1: we're not going to. We just say bye, and so 897 00:37:54,400 --> 00:37:55,799 Speaker 1: this is gonna be one of those times. Man. Until 898 00:37:55,840 --> 00:38:06,759 Speaker 1: next time, Best friends Out, Best Friends Out. M