WEBVTT - 7 Ways to Save More Money This Week #260 0:00:00.120 --> 0:00:02.560 Welcome to How the Money. I'm Joel and I and 0:00:02.680 --> 0:00:05.840 Matt's and today we're discussing seven ways to save more 0:00:05.880 --> 0:00:27.800 money this week, this week, and this week only, Joel, 0:00:28.840 --> 0:00:32.040 limited time only, you can save intemperate different ways. Okay, 0:00:32.080 --> 0:00:33.960 so we have to admit that this totally sounds like 0:00:34.000 --> 0:00:36.320 a clickbait article, right, Like it's like a limited time 0:00:36.320 --> 0:00:38.479 only kind of thing. This is the kind of episode 0:00:38.479 --> 0:00:40.520 title that we're trying to get folks to listen to. 0:00:40.520 --> 0:00:43.159 Totally sounds like a blog post, but like, yeah, it 0:00:43.159 --> 0:00:46.880 sounds like fake news. It sounds like some ripped off 0:00:46.960 --> 0:00:49.920 article on some news site that doesn't have legitimate news articles. 0:00:50.120 --> 0:00:52.320 But but this is legito. We are going to actually 0:00:52.320 --> 0:00:55.600 talk about seven different ways that individuals can save more 0:00:55.600 --> 0:00:57.600 money this week. Yeah. And I think Matt and I 0:00:57.640 --> 0:01:01.840 we always try to straddle the kind of personal finance advice. 0:01:02.000 --> 0:01:04.920 Sometimes it takes the form of more long term or 0:01:05.040 --> 0:01:07.440 more of a mental approach, and then sometimes you just 0:01:07.480 --> 0:01:09.920 need like news you can use like right now, right Yeah, 0:01:10.080 --> 0:01:13.360 and I think this this episode today is something that's 0:01:13.360 --> 0:01:15.440 basically news you can use right now, and and it's 0:01:15.480 --> 0:01:17.440 seven ways to save more money this week if you 0:01:17.480 --> 0:01:20.080 tackle one of these things each day for the next week, 0:01:20.200 --> 0:01:22.640 you will save money and it will help your bottom 0:01:22.640 --> 0:01:24.680 line immediately. And that was kind of the goal with 0:01:24.720 --> 0:01:26.399 this episode. That's what we want to do is give 0:01:26.440 --> 0:01:31.120 you specific ideas that will affect you almost immediately, like 0:01:31.160 --> 0:01:33.160 today or tomorrow. So yeah, if you pay attention to 0:01:33.240 --> 0:01:35.240 this episode, you'll have more money in your bank account 0:01:35.319 --> 0:01:37.679 by next Tuesday. Yeah. Man, you know one of the 0:01:37.720 --> 0:01:39.160 things that that we're not going to talk about this 0:01:39.200 --> 0:01:41.319 episode that I wanted to mentioned, uh, is you can 0:01:41.319 --> 0:01:44.440 save money by shopping at Aldi, our local. That's all 0:01:44.480 --> 0:01:46.440 you ever talked about. I love all the dude. Our 0:01:46.480 --> 0:01:49.080 local Aldi is getting renovated. Have you been there recently? No, 0:01:49.280 --> 0:01:50.680 I haven't been there a couple of weeks there, What 0:01:50.760 --> 0:01:52.840 is wrong with you renovating? Okay? Yeah, So I think 0:01:52.840 --> 0:01:54.080 a lot of the all these that have been around 0:01:54.120 --> 0:01:56.880 for a while are a little run down, little chevy. Yeah, 0:01:56.920 --> 0:01:58.760 because I will say I've been to a lot of 0:01:58.760 --> 0:02:02.280 all these all across the country, whether it's visiting family 0:02:02.320 --> 0:02:04.040 in the Midwest, or we'll go to an Aldia and 0:02:04.040 --> 0:02:06.520 when we go to the beach, your relatives are like Matt, 0:02:06.520 --> 0:02:08.200 you want to go to the local museum. It's the 0:02:08.280 --> 0:02:11.280 highlight of your visit. Can you swing by instead? Um? 0:02:11.320 --> 0:02:13.640 But I will say our Aldi is by far the 0:02:13.639 --> 0:02:17.400 most run down Aldi that I've ever been in. Every 0:02:17.400 --> 0:02:20.080 single Aldi that we've ever been to, UH is always 0:02:20.080 --> 0:02:22.360 either just bigger or nicer, And so I guess that's 0:02:22.400 --> 0:02:23.760 what they're doing. They're kind of stepping it up a 0:02:23.760 --> 0:02:26.160 little bit, making a little bit nicer of a shopping 0:02:26.200 --> 0:02:28.800 experience perhaps, But honestly, I don't really care all that much. Man. 0:02:28.840 --> 0:02:30.440 It's all about the money, you know, It's all about 0:02:30.440 --> 0:02:32.200 the dollar, and so as long as they keep those 0:02:32.200 --> 0:02:34.519 prices where they are, I'm happy. But it is cool 0:02:34.560 --> 0:02:38.200 to to see folks who might be turned off by, 0:02:38.320 --> 0:02:41.919 you know, maybe a more rundown store that our location, 0:02:41.919 --> 0:02:44.120 that it might be a little more inviting to those folks. Well. 0:02:44.120 --> 0:02:46.120 I think AUDI is starting to see too, a little 0:02:46.120 --> 0:02:49.280 more competition in the space, especially in the lower cost 0:02:49.320 --> 0:02:53.359 grocery space. Legal is a grocery chain from your I 0:02:53.480 --> 0:02:55.480 D L. Right, That's how I spell it, and they 0:02:55.520 --> 0:02:58.639 have incredibly low prices as well. But the stores they're 0:02:58.639 --> 0:03:00.360 building are much nicer than all the I think all 0:03:00.360 --> 0:03:02.320 all these starting to feel the pressure, like Okay, cool, 0:03:02.360 --> 0:03:04.320 if we're going to compete in the space we we 0:03:04.480 --> 0:03:06.640 owned it. For a while, we were alone, and we 0:03:06.639 --> 0:03:08.959 were a complete departure from what the bigger grocery store 0:03:09.000 --> 0:03:11.160 chains were doing. But now there's a little more competition 0:03:11.160 --> 0:03:12.880 in that space, and so yeah, they need a liven 0:03:12.919 --> 0:03:14.880 things up and making a better experience for people to 0:03:15.000 --> 0:03:16.920 still want to come there. Yeah, for a while they 0:03:17.000 --> 0:03:18.880 said we don't need to have a craft beer section 0:03:19.440 --> 0:03:22.959 and a nice rue ale, but now we're gonna have 0:03:23.000 --> 0:03:25.400 a whole I'll dedicated to meats. Listen, all the I 0:03:25.440 --> 0:03:28.400 need the fancy meats and cheese is okay? They they're spicy. 0:03:28.400 --> 0:03:31.000 Salami is excellent. Yeah, it is good. That's uh. That's 0:03:31.000 --> 0:03:32.640 what we chopped up at the beach right for the kids. 0:03:32.919 --> 0:03:34.679 So yeah, that's so good. Also, I'll still need it 0:03:34.720 --> 0:03:37.000 for lunch sometimes too. All right, Matt, let's mention the 0:03:37.000 --> 0:03:39.200 beer that we're having on the show today. This one's 0:03:39.240 --> 0:03:42.840 called Dad Jokes by Morgan Territory Brewing, and this one 0:03:43.000 --> 0:03:45.720 was sent to us from listener Brent out in California. 0:03:45.800 --> 0:03:47.720 So big thanks to to Brent for sending this beer 0:03:47.760 --> 0:03:49.520 our way. Looking forward to giving our thoughts on this 0:03:49.560 --> 0:03:51.080 beer at the end of the episode, and of course 0:03:51.080 --> 0:03:53.480 made it's perfectly appropriate that you and I are each 0:03:53.560 --> 0:03:56.240 drinking one of these beers. You've got kids, I've got kids, 0:03:56.680 --> 0:03:59.240 uh so we should be drinking dad jokes. I do 0:03:59.360 --> 0:04:01.160 make stupid jokes from time to time as well, And 0:04:01.200 --> 0:04:03.320 actually I feel like the older I get, the worst 0:04:03.320 --> 0:04:07.080 my jokes get. So I struggle with the dad joke myself. 0:04:07.280 --> 0:04:09.840 By worst, you mean like the better they get, like 0:04:10.040 --> 0:04:12.680 the more people like Grimace when when I tell a joke. 0:04:13.240 --> 0:04:14.760 I think that's where I'm at this point. Man. I 0:04:14.800 --> 0:04:16.120 think with a little bit effort, you can kind of 0:04:16.200 --> 0:04:18.240 change that person and we can kind of turn things around. Okay, 0:04:18.240 --> 0:04:19.640 all right, I'll see what I Let's do it. Yep, 0:04:19.800 --> 0:04:21.520 all right, Let's get onto the subject at hand. Matt 0:04:21.600 --> 0:04:24.359 seven ways to save more money this week. We're getting 0:04:24.360 --> 0:04:27.720 super practical today, and if anybody out there who's listening 0:04:27.920 --> 0:04:30.320 is uh it, wants to increase the cash that they 0:04:30.320 --> 0:04:33.520 have on hand immediately, then this is the show for you. 0:04:33.920 --> 0:04:36.320 Some of the things will discuss on this episode will 0:04:36.320 --> 0:04:39.800 pay dividends even past just this week, but they're guaranteed 0:04:39.839 --> 0:04:41.760 to save you money in the very very near term, 0:04:42.000 --> 0:04:44.279 and if you tackle one of these tasks per day 0:04:44.360 --> 0:04:46.760 in the coming week, you'll save a decent chunk of 0:04:46.920 --> 0:04:48.920 change and you can use that money to jump start 0:04:48.920 --> 0:04:51.640 an the fund, or you know, just start building a 0:04:51.720 --> 0:04:55.680 vacation fund for or maybe you've been dying to save 0:04:55.760 --> 0:04:58.720 up for an e bike and doing these things will 0:04:58.760 --> 0:05:01.840 give you the perfect motivation to get that cash quickly. 0:05:02.080 --> 0:05:03.960 Or you can even use it to to start that 0:05:04.000 --> 0:05:06.719 nest egg for a major purchase that's looming down the road, 0:05:06.760 --> 0:05:09.000 like a house. Rome wasn't built in a day, but 0:05:09.000 --> 0:05:11.360 you've got to start somewhere right and getting the ball rolling. 0:05:11.600 --> 0:05:14.640 By taking a money saving action each day for a 0:05:14.640 --> 0:05:16.680 full week, I think that can be empowering to It 0:05:16.720 --> 0:05:19.560 gets those money muscles working. Yeah, you know, typically the 0:05:19.600 --> 0:05:22.159 more impactful financial moves that you can make, they're going 0:05:22.240 --> 0:05:24.920 to be those bigger lists. Uh. There are other things 0:05:24.960 --> 0:05:26.840 that you can do to save money, but you can't 0:05:26.880 --> 0:05:28.839 necessarily get them done in a week, right. You know, 0:05:28.880 --> 0:05:31.320 you could refire your mortgage, you could start up that 0:05:31.360 --> 0:05:33.720 side business that you've been wanting to create, but you 0:05:33.760 --> 0:05:35.960 won't be able to get either of those done within 0:05:36.040 --> 0:05:38.960 the next seven days and the financial impact often will 0:05:39.000 --> 0:05:41.440 will typically play out over a longer period of time 0:05:41.480 --> 0:05:43.320 as well. You know, you might be putting in that 0:05:43.400 --> 0:05:46.200 time and money now, but you may not actually realize 0:05:46.200 --> 0:05:48.800 any net savings for months or even years to come. 0:05:49.160 --> 0:05:51.080 And so this episode is focused on what you can 0:05:51.120 --> 0:05:55.440 do immediately to improve your financial situation. And so there 0:05:55.440 --> 0:05:57.920 are two sides to the equation. If you're you're trying 0:05:57.960 --> 0:06:00.520 to save more money right now, you can either earn 0:06:00.560 --> 0:06:03.159 more or b you can spend less. And you know, 0:06:03.200 --> 0:06:06.279 in real life it's likely not an either or decision. 0:06:06.279 --> 0:06:08.760 You're probably gonna look to ways that you can do both, 0:06:08.960 --> 0:06:11.200 where you can do both earn more and spend less. 0:06:11.480 --> 0:06:12.800 And so that's what we're gonna talk about today, and 0:06:12.839 --> 0:06:15.640 we're gonna kick things off with spending less money. Joel. 0:06:16.040 --> 0:06:17.640 My guess is the first thing you're gonna mention is 0:06:17.680 --> 0:06:19.800 shopping at Aldie Well. I said at the beginning of 0:06:19.800 --> 0:06:21.360 the episode, that's not one of our pots. So I 0:06:21.360 --> 0:06:23.839 found a way to slide that in without making it 0:06:23.920 --> 0:06:26.600 eight things, eight ways to say it was eight. We've 0:06:26.600 --> 0:06:27.960 only got seven days. We don't want to give you 0:06:27.960 --> 0:06:29.400 two things to doing one day, seven days a week, 0:06:29.600 --> 0:06:32.279 seven although there are other things if you've been listening 0:06:32.279 --> 0:06:34.359 for a long time or you're just an avid money 0:06:34.360 --> 0:06:36.200 nerd like there are other things too that could have 0:06:36.240 --> 0:06:38.440 fit on this list. But the first thing we would 0:06:38.440 --> 0:06:39.880 say if you want to save a good bit of 0:06:39.960 --> 0:06:42.599 money in a short amount of time is to shop 0:06:42.600 --> 0:06:44.920 your insurance coverage. And we've talked about this on the 0:06:44.960 --> 0:06:47.599 show before, but now is just an excellent time to 0:06:47.680 --> 0:06:51.159 be shopping around. If you haven't shopped your insurance coverage 0:06:51.279 --> 0:06:53.800 within the last three or four years, there's a good 0:06:53.839 --> 0:06:56.760 chance you're paying too much. And insurance companies have been 0:06:56.760 --> 0:07:00.719 doing really well during the pandemic. They've experienced fewer claims, 0:07:00.880 --> 0:07:02.240 and much of that is due to the fact that 0:07:02.279 --> 0:07:05.200 we're all just driving less. We're working from home. We 0:07:05.240 --> 0:07:07.440 haven't been on the roads in nearly the same amount 0:07:07.800 --> 0:07:10.520 that that we usually are, which means fewer accidents, which 0:07:10.520 --> 0:07:14.600 means fewer claims, which means the insurance company is reaping 0:07:14.640 --> 0:07:17.600 higher profits. So we would recommend to call a local 0:07:17.640 --> 0:07:20.200 independent agent who can shop with a bunch of different 0:07:20.240 --> 0:07:23.840 insurance companies at once for you, and or check out 0:07:24.160 --> 0:07:27.040 policy Genius. They've got a tool which does something similar, 0:07:27.320 --> 0:07:29.400 will link to that in the show notes. But either way, 0:07:29.400 --> 0:07:32.640 you could start saving real money really quickly by shopping 0:07:32.640 --> 0:07:34.280 that insurance around. I think, Matt, that's one of those 0:07:34.280 --> 0:07:37.040 things that people are like fearful to do or they 0:07:37.080 --> 0:07:39.200 think it's gonna take forever. But we put it on 0:07:39.200 --> 0:07:41.800 this list purposely because it's not something that is going 0:07:41.880 --> 0:07:44.480 to be really all that heavy of a lift totally. Man. Yeah, 0:07:44.480 --> 0:07:46.880 and really, you know, you should be shopping your insurance 0:07:46.880 --> 0:07:49.600 around every year or two. But the problem is, Man, 0:07:49.640 --> 0:07:52.320 most people will stay loyal to their current insurer, and 0:07:52.600 --> 0:07:54.480 they do it not because they love them, you know, 0:07:54.640 --> 0:07:56.920 or because of the amazing service that they provide. They 0:07:56.920 --> 0:07:58.600 mostly do it out of apathy. And so we want 0:07:58.600 --> 0:08:01.120 to encourage folks to not fall all into that ruts. 0:08:01.400 --> 0:08:03.520 Um And a quick tip, make sure that you're aware 0:08:03.560 --> 0:08:05.640 of the different types of coverage that you have, so 0:08:05.720 --> 0:08:08.680 no your current coverage, no your deductibles, and know your limits. 0:08:08.720 --> 0:08:11.440 That way you can easily compare apples to apples. Again, 0:08:11.480 --> 0:08:12.920 we're trying to make this something that you can do 0:08:13.200 --> 0:08:15.880 very quickly and very easily, something that you can easily 0:08:16.000 --> 0:08:17.760 check off your to do list, and we're hoping by 0:08:17.760 --> 0:08:20.080 the end of the day, you could have maybe even 0:08:20.160 --> 0:08:23.440 better insurance while paying less for that insurance. That is 0:08:23.480 --> 0:08:25.640 the goal. Yeah, you don't necessarily have to give something 0:08:25.760 --> 0:08:28.360 up when it comes to customer service or when it 0:08:28.360 --> 0:08:30.800 comes to coverage in order to save money. Oftentimes you 0:08:30.800 --> 0:08:33.440 can just score a much lower rate and maybe end 0:08:33.480 --> 0:08:35.960 up in a better spot coverage wise at the end 0:08:35.960 --> 0:08:37.880 of the day. Um So, yeah, all right, that's the 0:08:37.880 --> 0:08:39.800 first thing, Matt. Let's get to the rest. We've got 0:08:39.840 --> 0:08:41.599 six more ways to save money this week that we 0:08:41.640 --> 0:08:43.960 want to get to, including what you can do quickly 0:08:44.000 --> 0:08:46.320 to cut down on recurring expenses, and we'll get to 0:08:46.440 --> 0:08:58.040 that right after this break. All right, So we're back 0:08:58.040 --> 0:09:00.079 for the break, and we already covered one way that 0:09:00.120 --> 0:09:01.760 you can cut some expenses in your life, and that's 0:09:01.760 --> 0:09:05.000 by shopping your insurance. And so let's talk through a 0:09:05.000 --> 0:09:07.120 few other ways to cut some expenses. And you already 0:09:07.160 --> 0:09:10.000 hinted to it before the break. Hunger strike, hunger strike 0:09:10.200 --> 0:09:13.240 and cutting expenses, recurring expenses. That's going to cut your 0:09:13.240 --> 0:09:16.240 grocery bill, dude, groceries add up. Man, we eat food 0:09:16.280 --> 0:09:19.400 every single day, and well, we can't advocate for people 0:09:19.440 --> 0:09:23.000 to like go on hunger strikes. No, But seriously, one 0:09:23.000 --> 0:09:24.920 of the easiest ways to save money quickly is by 0:09:24.960 --> 0:09:27.679 reviewing your previous month's expenses. So if you use a 0:09:27.720 --> 0:09:30.320 service like wine app or mint, it's really easy to 0:09:30.320 --> 0:09:33.120 see all of your spending in one single place, and 0:09:33.120 --> 0:09:34.840 then once you've see where your money is going, look 0:09:34.880 --> 0:09:37.680 to the different services that you can downgrade or even 0:09:37.720 --> 0:09:41.439 cut completely. Now it's time to streamline and cut these expenses. 0:09:41.760 --> 0:09:43.679 So let's talk about some of the common culprits where 0:09:43.720 --> 0:09:46.199 we are spending too much money every month. And and 0:09:46.320 --> 0:09:48.000 the thing is, like, the reason this is so important 0:09:48.000 --> 0:09:50.680 to is because even though it doesn't seem like that 0:09:50.720 --> 0:09:52.880 these are expenses that are that big, but you take 0:09:52.920 --> 0:09:54.880 that number and you multiply by twelve, and it really 0:09:54.880 --> 0:09:56.760 adds up. You know, like you're talking about hunger strike 0:09:56.920 --> 0:10:00.160 kind of joking around there, obviously, but groceries that is 0:10:00.160 --> 0:10:01.960 you know, I'm gonna take it back to Aldi of course, 0:10:02.800 --> 0:10:05.320 like are you saving that much money per item that 0:10:05.360 --> 0:10:07.800 you purchased their No, but every single one of those 0:10:07.840 --> 0:10:10.559 items adds up. And in the same way these recurring expenses, 0:10:10.600 --> 0:10:12.760 they add up every month, and so by the end 0:10:12.760 --> 0:10:15.240 of the year, you're making a substantial difference in the 0:10:15.240 --> 0:10:17.880 amount of money that you are actually able to save. Yeah, 0:10:17.920 --> 0:10:20.320 so let's talk about a few bills that people should 0:10:20.360 --> 0:10:23.920 really look at if they're looking to cut a recurring expense, 0:10:23.920 --> 0:10:25.560 which is one of the seven ways we would say 0:10:25.640 --> 0:10:27.880 they can easily save more money this week, your cell 0:10:27.920 --> 0:10:30.880 phone bill is a big one. Slashing a big recurring 0:10:30.880 --> 0:10:33.560 monthly bill like that, it can save you money now 0:10:33.640 --> 0:10:36.599 and well into the future. Some of the best inexpensive 0:10:36.640 --> 0:10:41.280 plans are offered currently by Mint Mobile, Visible and boost Mobile. 0:10:41.400 --> 0:10:43.560 And there are other players out there too who, depending 0:10:43.600 --> 0:10:47.319 on your usage patterns, could potentially save you even more money. 0:10:47.400 --> 0:10:49.600 But I feel like those three are definitely worth looking at. 0:10:50.040 --> 0:10:54.199 It's important to note that low cost doesn't mean inferior service, right. 0:10:54.240 --> 0:10:57.199 These companies have actually just changed the business model while 0:10:57.240 --> 0:10:59.760 still using the towers from the major cell phone companies. 0:11:00.080 --> 0:11:02.600 So if you haven't changed cellphone providers or plans in 0:11:02.640 --> 0:11:05.720 the past few years, it's almost impossible not to save 0:11:05.760 --> 0:11:09.559 money potentially thirty forty eight dollars a month depending on 0:11:09.760 --> 0:11:12.320 your current plan. And and some of these people are 0:11:12.520 --> 0:11:15.800 also offering unlimited everything at a really low price. I 0:11:15.800 --> 0:11:18.160 mean meant they just launched their plan thirty bucks a 0:11:18.160 --> 0:11:20.520 month for unlimited everything. You don't even have to worry 0:11:20.520 --> 0:11:22.400 about your daddy usage. Although if you out for one 0:11:22.400 --> 0:11:25.000 of their limited data plans, you could save even more. Yeah, 0:11:25.040 --> 0:11:26.640 you can even cut that thirty dollars and a half. Like, 0:11:26.679 --> 0:11:29.600 we're talking fifteen bucks a month for cell phone service, 0:11:29.679 --> 0:11:31.959 which is much much cheaper than what a lot of 0:11:32.000 --> 0:11:34.320 folks are paying. Uh. And a lot of the savings too, 0:11:34.400 --> 0:11:36.920 comes from paying for all of that coverage upfront. And 0:11:36.960 --> 0:11:39.280 because we know it can be a little confusing when 0:11:39.320 --> 0:11:42.280 it comes to making a switch of cell phone providers, 0:11:42.480 --> 0:11:44.960 we wrote a little guide on our website to help 0:11:44.960 --> 0:11:47.439 you think through that, to help you consider which carriers 0:11:47.520 --> 0:11:50.160 might make the most sense for how you use your 0:11:50.200 --> 0:11:51.959 cell phone and maybe the questions you need to ask 0:11:52.000 --> 0:11:54.400 yourself before you do end up making a switch. And 0:11:54.440 --> 0:11:55.840 you'll be able to find that in our show notes 0:11:55.880 --> 0:11:58.240 for this episode upon our website too. Yeah, and Jill, 0:11:58.280 --> 0:12:00.920 another recurring expense that we can remove from our lives. 0:12:01.000 --> 0:12:03.839 Let's talk a little bit about streaming services. Man, most 0:12:03.840 --> 0:12:06.440 of our listeners they cut the cord long ago and 0:12:06.440 --> 0:12:09.120 they've moved to streaming, and that's great. But as streaming 0:12:09.120 --> 0:12:12.720 services proliferate, man it has become hard to choose which 0:12:12.720 --> 0:12:15.360 ones to keep, which ones to cut. And so if 0:12:15.400 --> 0:12:19.160 you've accumulated maybe way too many of these monthly streaming payments, 0:12:19.559 --> 0:12:22.720 uh ditched to one or two that you watch the least, 0:12:22.800 --> 0:12:24.320 you can always sign back up for it later on. 0:12:24.480 --> 0:12:26.040 Chances are you can probably signed back up for it 0:12:26.240 --> 0:12:28.199 at an even discounted price, because a lot of times 0:12:28.240 --> 0:12:30.720 they have special offers or maybe even another approach just 0:12:30.720 --> 0:12:33.679 cut them all, cut them all and then start by 0:12:33.720 --> 0:12:36.280 adding back the ones that you know have the shows 0:12:36.320 --> 0:12:38.160 that you are currently really into. I feel like a 0:12:38.200 --> 0:12:39.800 lot of times we kind of keep some of these 0:12:39.840 --> 0:12:42.600 streaming services around for like whenever that next season does 0:12:42.640 --> 0:12:44.640 come out, but like you know, chances are it might 0:12:44.679 --> 0:12:46.280 be like six to nine months, and that's a long 0:12:46.360 --> 0:12:48.720 time of paying for a service that you're not taking 0:12:48.760 --> 0:12:50.760 advantage of. Yeah, and maybe there's one or two that 0:12:50.840 --> 0:12:53.120 you find yourself consistently going to, and then the other 0:12:53.120 --> 0:12:56.760 ones you occasionally dabble in them. Well, find that one 0:12:56.760 --> 0:12:59.320 show that you love, watch that show and then ditch 0:12:59.320 --> 0:13:01.040 it for a little while. There you go, and then yeah, 0:13:01.160 --> 0:13:03.120 go back to it. If the next season comes out, 0:13:03.520 --> 0:13:05.480 or if another show that you really want to check 0:13:05.480 --> 0:13:07.920 out pops up. But for the most part, yeah, I 0:13:07.920 --> 0:13:10.920 think almost all of us could stand to trim the 0:13:10.960 --> 0:13:13.800 amount of streaming services we subscribe to. I think for 0:13:13.840 --> 0:13:16.320 most people it hasn't gotten as bad as cable bills 0:13:16.400 --> 0:13:18.560 used to be, but it's still a thing. Man, We're 0:13:18.600 --> 0:13:20.360 getting close. That we're getting close to that because there 0:13:20.360 --> 0:13:22.720 are so many choices and so many new streaming services 0:13:22.840 --> 0:13:25.440 launching that want five, ten, fifteen bucks of your money. 0:13:25.640 --> 0:13:28.360 Makes me think about quimby Matt. Have you read about 0:13:28.400 --> 0:13:31.079 that that it's it's like the short shows or whatever. Yeah, 0:13:31.080 --> 0:13:32.920 I've heard that it's failed. Yeah, I think it's failed, 0:13:33.240 --> 0:13:35.839 really really very great. I've kind of wondered, like, well, 0:13:35.840 --> 0:13:37.640 I mean, We're the show is actually any good? I 0:13:37.640 --> 0:13:40.440 guess not because it's failed spectacularly. But it's one of 0:13:40.440 --> 0:13:42.480 those things where, I mean, there's a new one launching. 0:13:42.559 --> 0:13:45.600 It feels like all the time NBC finally launched. There's 0:13:45.640 --> 0:13:48.040 I believe it's called Peacock, but there's so many choices 0:13:48.200 --> 0:13:49.800 that Fresh Prince of bel Air is gonna gonna do 0:13:49.840 --> 0:13:52.800 a reboot relaunched on Peacock there you go, Will Smith. 0:13:52.880 --> 0:13:55.000 I mean that that truly might be worth five bucks 0:13:55.040 --> 0:13:57.000 a month. It's a get throwback right there. Yeah, right, 0:13:57.200 --> 0:13:59.320 But it's easy to let that inertia kind of overtake you, 0:13:59.679 --> 0:14:01.920 and you sign up for one, you keep paying, and 0:14:01.920 --> 0:14:03.960 then that's part two. Matt. I think of what you 0:14:04.000 --> 0:14:06.480 mentioned at the beginning, of actually looking at your previous 0:14:06.520 --> 0:14:09.600 month's expenses, having it in writing so you can kind 0:14:09.600 --> 0:14:11.800 of see right in front of your eyes. Oh wow, 0:14:12.280 --> 0:14:14.800 I didn't realize it. I am subscribed to six streaming 0:14:14.800 --> 0:14:17.200 services and I don't need those, so yeah, whatever you 0:14:17.200 --> 0:14:19.760 can do to cut that down is always helpful. One 0:14:19.840 --> 0:14:23.640 other thought in recurring expenses right now is to cut 0:14:23.640 --> 0:14:26.480 a gym membership. My wife, she loves the y M 0:14:26.480 --> 0:14:28.760 c A, but she hasn't set foot through the doors 0:14:28.760 --> 0:14:31.440 of our local wide gym in six months now. And 0:14:31.480 --> 0:14:32.920 I know that's been the case for a lot of 0:14:32.960 --> 0:14:36.480 others as the pandemic has made it essentially impossible to 0:14:36.640 --> 0:14:39.040 go to your gym. And Matt, she's been working out 0:14:39.080 --> 0:14:41.720 at home and she's dragged me into working out with her, 0:14:42.040 --> 0:14:45.320 and I'd love to see that it's not really working here. 0:14:45.360 --> 0:14:48.640 I am uh impressive so she's doing something. I'm not 0:14:48.640 --> 0:14:51.600 afraid to admit this. It's called bikini body mommy. And 0:14:51.720 --> 0:14:54.160 so I'm working out with you're doing bikini body Daddy. 0:14:54.640 --> 0:14:57.160 It's still be called bikini body mommy. And I'm working 0:14:57.160 --> 0:14:59.200 out with a lot of other postpartum women. But it's 0:14:59.240 --> 0:15:01.440 you know what, it's all it. I'm having fun and 0:15:01.600 --> 0:15:05.640 it's way cheaper than gym membership. I feel like I 0:15:05.680 --> 0:15:07.360 maybe shouldn't have said that now at this point, but 0:15:07.440 --> 0:15:09.920 it's out there, so everyone knows I'm doing bikini body mommy. 0:15:09.920 --> 0:15:11.160 I think folks are just gonna hold you to a 0:15:11.200 --> 0:15:12.640 higher standard now next time they see you with your 0:15:12.680 --> 0:15:16.280 shirt exactly where those apps very true. I don't know, 0:15:16.360 --> 0:15:18.160 I don't know if that's ever gonna happen, but yeah, 0:15:18.280 --> 0:15:20.320 I think Emily will probably be back in the y 0:15:20.400 --> 0:15:22.800 at some point one day, But for now, it's one 0:15:22.840 --> 0:15:25.160 of those recurring expenses that we can get out of 0:15:25.160 --> 0:15:27.160 our lives. And I think other people out there should 0:15:27.160 --> 0:15:29.000 think about whether or not that's a smart move for 0:15:29.040 --> 0:15:31.560 them too. Does it make sense for for them to 0:15:31.640 --> 0:15:33.360 keep paying a gym membership if they can't go and 0:15:33.400 --> 0:15:34.880 use it, or if they're using it less, or does 0:15:34.880 --> 0:15:37.160 it make sense to work out at home ride your 0:15:37.200 --> 0:15:39.160 bike more? There are all sorts of other ways that 0:15:39.200 --> 0:15:41.480 you can kind of stay healthy stay fit without a 0:15:41.520 --> 0:15:43.720 gym membership. Speaking of riding your bike more, you didn't 0:15:43.760 --> 0:15:46.240 mention that you guys also spent over two thousand dollars 0:15:46.280 --> 0:15:49.440 on a pelets on bike, right right that. Yeah, you 0:15:49.480 --> 0:15:51.120 actually got two of them, so you spent like over 0:15:51.160 --> 0:15:54.280 four thousand dollars. Yeah, exactly. H No, I mean I 0:15:54.440 --> 0:15:55.800 don't want to hand on those like if that's your 0:15:55.840 --> 0:15:57.560 thinking of the beer we're drinking. Dad jokes, that was 0:15:57.560 --> 0:15:59.280 a dad joke. That dad joke, that's just that was 0:15:59.320 --> 0:16:02.680 just a lie at joke. But I mean those bikes 0:16:02.720 --> 0:16:05.440 are crazy expensive. However, man, You know that being said, 0:16:05.520 --> 0:16:07.640 if you are really into working out a home and 0:16:07.640 --> 0:16:09.400 this is something that allows you to do that, we're 0:16:09.400 --> 0:16:10.840 not just we're not the kind of people who hate 0:16:10.840 --> 0:16:12.160 on that kind of thing. You know. If this is 0:16:12.160 --> 0:16:14.880 your craft beer equivalent, if you're really into the spin 0:16:14.920 --> 0:16:17.280 classes and you can't do that because of the pandemic, 0:16:17.320 --> 0:16:19.440 then for you, maybe buying some of that workout equipment 0:16:19.480 --> 0:16:22.080 for home is your splurge. And at the same time 0:16:22.120 --> 0:16:23.960 it could be frugal, because man, some of those Spin 0:16:24.000 --> 0:16:27.640 class monthly recurring memberships can make expensive incredibly expensive too, 0:16:27.680 --> 0:16:30.680 So you might actually make more sense to buy a bike. 0:16:30.920 --> 0:16:32.000 By the way, you don't even have to buy the 0:16:32.000 --> 0:16:33.800 Peloton bike. I think you can buy another bike, but 0:16:33.840 --> 0:16:36.280 you can probably buy like the al D version and 0:16:36.360 --> 0:16:38.160 used to Peloton service. But yeah, I think it's one 0:16:38.160 --> 0:16:41.160 of those things where if you are subscribed to just 0:16:41.400 --> 0:16:44.440 a really expensive spin membership, maybe you can get a 0:16:44.480 --> 0:16:46.840 cheaper bike, do it at home, get a great workout 0:16:46.920 --> 0:16:48.920 still and pay less money, or even better, just buy 0:16:48.920 --> 0:16:52.040 a used regular bike and then goes zipping around your city. 0:16:52.520 --> 0:16:54.200 All right, man, So we just covered some of the 0:16:54.200 --> 0:16:57.200 different ways you can cut some recurring expenses. Another one 0:16:57.240 --> 0:16:59.040 of the seven ways that you can save more money 0:16:59.160 --> 0:17:02.040 is to spend any money at all. Right, We're talking 0:17:02.080 --> 0:17:06.240 about taking a spending holiday. Even just one week of 0:17:06.440 --> 0:17:09.040 uh not spending money can save you a good amount 0:17:09.040 --> 0:17:11.040 of money, and it can also help you break some 0:17:11.080 --> 0:17:12.679 of those habits that you know that you might have 0:17:12.760 --> 0:17:15.400 fallen into. With even more of a shopping from home 0:17:15.400 --> 0:17:18.480