MONEY SAVING TIPS_ HOW TO SAVE MONEY_ MY 2020 MONEY SAVING STRATEGY.

Hi guys, welcome back to my channel. It's me your personal person, your person not

your peathe, your peerage to part two. Okay, your periods to part two

Like, I'm, can I just calm down? I'm so excited about you. Every time I'm able to

turn on my camera, I am just so excited. I am just so excited. I am just so excited

Can you calm down, calm down, come down. come down thank you to all the love you show me in my last video to everyone of you who's been

here who just joined from that video welcome from ruh well in case you're seeing me for the first time my name is fru i like to meet you okay so tell me

who you are in the comment section i'm filming this video from potakot nigeria which is to say

I'm a Nigerian-based YouTuber and I'm on this journey of self-discovery of

reinventing myself and buying out new things and I pray that you see this video

interesting enough to join me in this journey okay all you have to do to join me on

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please share this video invite your friends with a forum right so today so today

I'll be sharing with you some of the money habits have incorporated into my life in 2020 and

it's fine enough and I thought who else to share this with than you my own people my friends

my new Paddy's okay I feel like I've gotten like this new set of best friends that I could just

talk to any time I feel like you guys want to this point you're interesting not good

money habits I've incorporated in my 2020 and I've been working for me so please don't just

just click away you have to work till the end you have to watch till the end so that you can

you know start saving this coin and start you know creating adult moves when it comes to money okay

so number one of the money habits i've learned since this year or i've incorporated into my life

in this year is having an auto transfer account okay so what i did was um i had this issue with um my bank so i went there to sell my bank and somehow I bumped into my account officer I got talking about money issues and she advised and she started an auto transfer account

where I just set the targets that I'll be taken from my account into my this auto transfer

account every month and it's going to be there for a year or two or three

um it depends on you how long you want this account to run for and then you just have money saving

up probably for pension probably for you know anything you want to save be gone maybe land

whatever you want to save be gone very good this auto transfer accounts is very good and i've

incorporated into my life in January and they pay in love like every time i open my account

and see you know the the coin is trucking dropping i'm like who the hell is saving this money

Is it me? No, I can't believe it. It's not me. I can't believe it. I can't believe it

So I advise every adult to create this auto transfer accounts and start saying with coins

Okay? Okay. Okay. Number two is present template for my expenditure, especially for post off, okay, in the house

As a mom, someone for a long time who I just got with the flow and this has, you know

you know really really really affected my income drastically so I just buy milk with

the flow I just buy miller with the floor I just buy you know some of other

things with the flow so when you just need like to buy I don't you know have a

specific amount I use for other things and you just keep eating into my income

eating into my income that sometimes at end of the money you might have nothing to

have saved all you are done was buy food and when you are in food I like food

like although I'm changing now but I like food so when you're food like me you just spend

it so much so what I've done is clear templates for breakfast templates for lunch

templates for dinner so what I do is I first of all bring out an amount I'm going to spend

the whole month and then I begin to divide it into weeks so when I divide this money into weeks

and then I divide it into days and what kind of food breakfast, lunch and dinner

And then into days and create a template what we're going to eat for breakfast and how

much are going to spend. And I tried to, you know, discipline myself to stay in that amount

So how much are going to spend for breakfast, how much are going to spend for lunch and how

much are going to spend for dinner and how much, you know, we're going to spend for any extra

meal that wants to incorporate into that meal Another thing I do is create amount for everything we going to spend in the house so if I buying let say for example I buying

detergent I have a specific amount I'm going to spend for the sergeant and I'm going to make

sure I work with my budget I work with you know the clothes or the construction of

detergent to make sure it gets it doesn't exceed that amount and then if it's going to

and see it's going to be just a tiny bit of fraction so it's not going to be too much so i'm not

going to feel it so that is on the money habit i have incorporated into my life a trick on that

and i make sure i don't spend the oil water plant on i'm going to spend on food or on work

on house supplies in the house on that money habits i've incorporated into my life now is

you know cartelling how i buy stuff for my kids men we are not in competition in this war like they're not going to give anybody

let's say a award for the best case as long as your kids your best dress

at the end of the day as long as your kids is clean is neat and the other kids are also

telling in and needs all of you are going to come sometimes people don't even notice that you

bought Louis Vuitton shoes for your kids or you got this kids they don't even

appreciate it you know all they do is still playing messed up forever so i'll try as much

of what to buy the best quality but on a budget on a budget so i'm not that kind of person anymore

that would be like hustling to buy net or hustling to buy one big brand this name for my case

at the end of the end of it will just mess it up and no i'm not that kind of person i buy what

the name and good brand on a budget okay okay another thing I incorporated into my life

is also having a project like if you have a project you're going to carry out at the end of

maybe a quota in the year or the full year later you have a project like you're going to buy

land and you're going to stay towards that land this thing is going to help you

cut tell how much you spend of your money so let's say you want to buy a

camera and you begin to say towards that camera is going to help you to tell you know how

much you spend your money because you have in your mind that oh i need to buy a camera i need to buy

a rich watch or i need to buy i'm just doing all this thing but something you know that

looks like an investment you know so when you have that kind of project in your hands

you will mind the way you spend your money but when you're you're just like open you don't have

anything you're saving to us or you don't have any projects you just spend your

money because at the end of the day you don have anything you don have anything to save so you have to have a reason to save money okay that another thing i learned in this 2020 and also helping me another thing i learned

in this 20 is also helping with buying some kind of expensive things that are like that have second

hand value so let's say for instance i buy a gold chain i know it has a second-hand value so i invest

in this thing so in case you round of money or you need to increase in

business or whatever you can just sell off that gold chain and do what you want to do

with your money or nothing is buying you know just buying something like I have an M50 I

didn't buy I've not been making money at YouTube as you guys know but I still saved up to buy

the M50 because I know that probably if I keep that money I had it at a time if I

keep that money in my in my bag or just keep that money I'll end up spending it and I

wouldn't know where the money goes so I just took this money and bought the camera knowing that at the end of day I can tell this camera for Tekonhan and still get some money back

or I could just start a business like shooting photography doing something else while I still use it for my YouTube

So you understand, you can't get the flow, right? Buying expensive things that have Tekonan Valley just to hold them, just to hold them some money

You understand? You understand. So another good money habits have learned not eating out so much

so much okay so i've done to make a lot of my food at home like i like a buffet every sunday

so i feel like just going out eating and i notice that this is money every from before you know

you spend like 300 dollars 400 dollars just on eating which this money can last you for a month

on feeding so what i do is i just make this buffet in my house which is going to take me like

you know 50 dollar less than 50 dollars instead of spending the whole of 400 dollars outside eating

I just save this money and then make this buffet in my house and probably just eating once in a month or once in a while out

Just for the phone and then I keep the rest of the money you know for the rainy day

You never can tell the running day can come at And so those are the money habits I've learned and I've been keeping to

So please please me share with me your own money habits and the things good money habits have incorporated into your

your life is going to me that's working for you so these are ones that are working for me okay

all right please don't forget to subscribe to my channel don't forget to like don't forget to

share this video they might be helpful to someone struggling with their finances or struggling

with savings okay so please share it with them until i see you in another video Bye