Hey guys, it’s Chelsea from the Financial Diet
with some new short hair.
And this week’s video is brought to you by Freshbooks.
So today I kind of want to hop right into it,
because I wanted to put together a list of everyday items
that we’re used to spending money on,
that we almost think it’s kind of obligatory expenses,
but are super easy to cut out in our budget.
Now granted, you might not be spending money
on every single one of these items.
But chances are, there’s at least one or two that you could cut out right away.
So let’s get right into it.
Here are 13 everyday items
you should really stop spending money on.
NO.1 is the most obvious,
and that is individual bottles of water.
Get the… a Brita filter.
And if you like sparkling water like myself,
get the… a SodaStream.
Not only is it pennies on the dollar
to fill your own water bottle,
but it’s also way-way better for the environment.
And yes, we all generally know this,
but it always bears repeating.
And for further incentive,
you can get yourself a really cute water bottle.
NO.2 is expired food.
So here’s a fun fact.
There’s actually no uniformed government regulation
on how food companies are required to label
their sell-by-dates, their good-until-dates, etc.
For example, with milk.
It’s a state-by-state regulation and there are many states
that don’t even have a mandatory regulation on dating milk.
And because these are very arbitrary standards in a lot of cases,
put yourself in the mind of the food company.
They want you to buy more of these items at a faster rate,
which means that the sell-by-dates on these products
are often way too early,
if they’re not totally unnecessary period.
On average, if food is stored properly,
you can almost double the average sell-by date.
And for things like raw meat and fish,
you can put them in the freezer to store for months at a time,
if you don’t think you’ll use them right away.
We’ve included a link below to a handy database
so will give you a really good idea of how long
each food item can be kept past their sell-by date.
Stop wasting money on unnecessary replacements for food.
NO.3 is all of the unlimitedpasses and memberships for things
that you’re not getting your money’s worth on.
Now those is everything from gym classes to public transport,
to Amazon Prime, to Costco.
Anything where you’re getting a membership
that allows you to do something in an unlimited fashion,
but you’re not doing it enough to justify the price.
For example, Holly, our managing editor,
used to pay for the unlimited subway pass here in New York.
It costs about a 120 dollars.
But she did the math and realize that
she was only using about $75worth of that pass every month.
So now she just pays per ride.
On the other hand, for example.
I use the hell out of my Amazon Prime membership,
and it’s totally worth it in terms of shipping.
But you might be someone who almost never orders of Amazon,
so that $100 yearly fee is not worth it.
Just make sure that you don’t automatically think
unlimited means the best deal possible.
Actually do the math on how much you use it.
NO.4 is excessive paper towels.
We encourage you to limit yourself to one roll every two weeks.
There are obviously certain times
when you’re going to have to use paper towels.
So we’re not saying never use them.
But there are things like cleaning surfaces
where you should not be using them.
Because that’s how you unnecessarily waste rolls and rolls of it.
We recommend you grab yourself
a sturdy reusable pack of kitchen rags
to do everything from wipe down counters,
to dust, to just clean up when something accidentally spills.
It’s better for the environment,
and it’s also way cheaper in the long run.
NO.5 is data overages on your cell phone.
There’s a couple prom checklist that you should follow
to make sure that you’re always getting the most out of your phone plan
and never unnecessarily burning through data.
A, make sure you are always
connected to your Wi-Fi when you’re home.
And you have to recheck it every so often,
because sometimes it will just disconnect.
B, if you want to listen to something like
a playlist or a podcast
while you’re out and about during the day,
make sure to download it offline when you’re at home,
so that you don’t have to burn through data listening to it.
三 如果你要在类似咖啡厅 酒吧等
And C, if you’re spending a long time in like a cafe,
or a bar and might go online,
make sure to see if they have Wi-Fi
that you can connect to.
So even just for things like your applications,
you’re not using a ton of data.
These are small changes, yes.
But if you follow them religiously, you can find yourself
saving dozens of dollars at the end of the month,
because you’re not constantly going through data overages.
NO.6 is fancy pet treats.
Now something you are probably not aware of,
if you don’t have your own pet,
is that treats, especially the nice organic treats
that are not just 90% chemicals, are really weirdly expensive.
No joke. Just one of the bags of natural chicken shoes
that we have for Mona in our cabinet was $14.
I don’t even eat $14 snacks.
We’ve recently tried making homemade treats for her.
And let me tell you, the price difference is night and day.
You can literally make the same quantity
of actual meat-based treats for your animal, for like $2.
Yes, it takes a little effort,
but you can make them in bulk.
And if your animal treat budget
is getting into the hundreds every year,
it’s definitely worth it.
We’ve linked you in the description to a great resource
to start making your own DIY dog treats.
NO.7 is overpriced chemical Laden,
cleaning products and cosmetics.
Most of the products in our cabinets,
whether for our countertops or our faces,
are extremely overpriced and full of chemicals that are not necessary.
For example, one of the big myths that we live with
is that we need a separate cleaning product
for basically every surface in our home.
Not only are there great all-purpose cleaners out there
that are good for everything
from a floor to a stove, to a wood countertop,
but there are also super easy
to make DIY in a lot of cases.
Just a little lemon juice and vinegar
will take care of about half of the cleaning
that you’ve been outsourcing
to these expensive bottled products.
And when it comes to cosmetics,
things like oils and sugars are great for doing the everyday cleansing
that we’re used to doing with products.
For example, everyday olive oil and a raw sugar
make a great scrub for your body.
And that same olive oil by itself
is great to take off your eye makeup.
And one of the best all-purpose face masks out there
is just some organic honey.
Put on your face, allowed to dry,
and then gently washed off.
We’ve linked you to some great resources in the description
to starting to make your own cleaning products and cosmetics at home.
And while you’re not going to replace every item overnight,
what’s important is that you start shifting your mindset
from how much of these products need to be store-bought,
and how many of them in total you really need.
NO.8 is stained or ruined clothes.
Now this one is a little bit in reverse.
Because instead of spending money on replacing clothes,
you need to start spending money upfront
on keeping things like little stain remover sheets,
bleach pens and tied pens to keep with you.
So that when something happens,
you can take care of that right away
before the clothing item is ruined.
For example, last night I was cooking
and I accidentally flicked a little bit of pesto on a white shirt,
which, if you’re not familiar with the wide world of clothing stains,
is probably one of the worst things
that you can get on a piece of clothing.
Because it’s not only oil, it’s extremely bright green.
Luckily though, I had a bleach pen on hand
right in my kitchen cabinet,
which I was able to remove the stain with immediately
and then soak it in a little cold water.
Without having that on hand,
I would have needed to replace the shirt,
because letting that stain sit would have ruined it.
I can think of like five occasions in the past year,
so that I’ve been able to use these wipes or pens
and each time it is saved an item of clothing.
It’s a tiny bit of planning ahead,
but you will be so glad when you have it.
NO.9 is full-size jars of things like herbs and spices
that you will probably not use again.
It’s important that from time to time,
we step outside of our culinary comfort zone
and cook things that we are not used to cooking.
And a lot of times these dishes require something like
a spice that we’ve never used before,
and are honestly not likely to use again.
And in that case,
take the time to go to a store
like a Whole Foods or a specialty store,
where they have bulk herbs and spices
so that you can get just enough of what you need.
Take it from someone whose spice cabinet is like
30% spices that I got randomly for
like one kind of complicated dish and then never used again.
Such as this jar of turmeric that I have,
that I’ve taken with me through like four apartments.
And now it’s just solidified,
and hardened into this weird like clump of turmeric.
It’s not worth it. There are some spices that
you will use on an almost daily basis,
and some that you’ll never use again.
Doesn’t mean you shouldn’t try it,
but just don’t get a $10 jar of it.
NO.10 is sliced and individually packaged food.
As a general rule,
Anytime of food is pre-sliced,
or pre-portioned, or individually wrapped,
it is going to be more expensive for basically no reason.
And this is everything from cheese to bread,
to little snack cakes, to meat.
Start buying things unportioned.
And if you absolutely want to have everything in an individual serving size,
you can do it yourself with reusable containers.
But generally speaking, taking the two seconds to do something like
slice of fresh, slice of cheese off a block for your sandwich,
从金钱 口感 环境角度来说
is going to be way better in terms of money,
in terms of taste, and also for the environment.
Because you’re not using a ton of plastic for no reason.
NO.11 is separate kitchen storage and bakeware.
A lot of times I think mentally,
we imagine that we have to have sort of separate items
for each part of our cooking and food storage life.
For example, I think a lot of times
we’ll have like plastic Tupperware,
or bags for storage and then you’ll have Pyrex bakeware.
And then you’ll even have perhaps something else for freezer storage.
Cut that shit out. Get yourself one set of several different sizes of the Pyrex containers
that have the plastic tops on them.
You can use them to store food, to take it with you.
You can bake with them and you can freeze them.
You only need one item to serve all these different functions.
And plus, they’re way more chic than the plastic Tupperware or takeout containers.
One tip though: never ever put a Pyrex dish
straight from the freezer into the oven,
unless you love having exploded glass everywhere.
you must thaw them first.
NO. 12 is wasted space in your home.
Start thinking of every square foot of your home,
both in terms of storage and practicality,
as having a dollar value.
Because it does.
When you have a totally useless junk drawer,
or a closet that’s totally unoptimized.
or a bunch of old clothes that are just taking up space.
That is costing you money.
At least once every six months,
you should be doing a cleaning,
slash purging, slash reorganizing in your home
to make sure that every square foot,
especially in terms of storage,
is being used efficiently and for things you actually use.
When you are paying rent to store things that you don’t even use,
that is throwing money out of the window.
And that goes doublely for people who have houses with rooms
that they don’t even really go in.
But, I live in New York, I don’t know people like that.
NO. 13 is needlessly disposable products.
There are a lot of products in our day to day lives
that we’re used to thinking of in terms of being disposable.
And that is costing us money.
And a great example of that, for women at least, is razors.
We’re marketed those really nice Venus disposable razors
that cost like 16 dollars and you get like what,
a couple weeks of good use out of them before they get dull.
On a real razor,
which are often metal or some other fancy material,
the actual little blade that you swap out every so often,
is pennies on the dollar.
The problem is they’re really only marketed to men now
is this sort of like vintage hipster thing
that takes you back to the barbershop days.
But Mark Eves is one for example,
and he must have saved like $300 in the past couple years
on disposable razors.
They’re not marketed to us, but women should start using them too.
There’s no reason that we should be throwing our money down the drain
whether on the super disposable BIC razors,
or the fancy Venus ones
that have to have the head of the razor replaced like every three weeks
Some other examples of needlessly disposable products
are travel-sized toiletries.
Get those little bottles that you put your regular stuff into.
一次性筷子 除尘护垫 咖啡胶囊
Chopsticks, Swiffer pads, k-cups,
non-rechargeable batteries, sandwich bags,
aka anything that you are constantly throwing away
that could be easily replaced with something you use again.
Whatever your individual items happen to be,
the point is that you get out of the disposable mentality whenever possible.
Generally speaking, a disposable product just means costing you more money,
for a little bit of convenience.
As always guys thank you so much for watching,
and don’t forget to hit the subscribe button,
and to come back every Tuesday for new and awesome videos.
Bye! This week’s video was brought to you by Freshbooks,
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