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9,132,032 Views • Jan 8, 2023 • Click to toggle off description
Most of what we do with our money everyday is unconscious. In this video I share the most common bad money habits and how you can break out of them.
Investing Platform I use is Trading 212: Use the promo code NISCHA to get a free share worth up to £100: nischa.me/trading212
⌚️Timestamps:
00:00 - Intro
00:28 - Paying Yourself Last
01:53 - Bad Debt
02:31 - Buffer
03:17 - Income & Expenses
03:57 - Spending
04:48 - Saving
05:37 - Taxes
06:56 - Waiting too long to invest
07:59 - Not caring
👉🏽 My first $100k tracker (free): nischa.me/personal-finance-tracker
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DISCLAIMERS & DISCLOSURES
This content is for education and entertainment purposes only. Nischa does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.
This description contains affiliate links that allow you to find the items mentioned in this video and support the channel at no cost to you. Nischa is a participant in the Amazon Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to www.amazon.com. Thank you for
Views : 9,132,032
Genre: Education
Date of upload: Jan 8, 2023 ^^
Rating : 4.664 (20,312/221,834 LTDR)
RYD date created : 2024-05-02T22:55:17.030995Z
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YouTube Comments - 5,598 Comments
Top Comments of this video!! :3
Those tips are helpful, but the most helpful tip is to being born in a wealthy family. Many many people are not poor because of their own bad behaviour but because it is difficult to escape the system. Having financial problems atm myself, I don't see how to safe 3-6 months of expenses if my income barely covers my costs
5.3K |
I grew up always being warned by my parents "live below your means". In other words, rather than buying whatever you CAN afford, instead buy items at price points a little bit lower than that. So if you can afford a $500,000 house, aim for one at $400,000 or $300,000. If you can afford a brand new $30,000 car, buy something cheaper like a $20,000 or a used vehicle. It means they you can still live a great life but you will never be stretching yourself thin and can actually build savings and invest in your future.
4.7K |
It makes good sense to automate savings. I would not automate spending, because it is a good way to lose track of what is going out
1.6K |
Now we just need to see the Blcktken300 price also move in the same direction as these charts. Up. Very Up.
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i just made the “pay yourself first” switch a couple weeks ago after being desperate to save up enough to move. i realized i wasn’t gonna save anything major by just saving what’s left over. now i SPEND what’s left over. it’s harder but it’s so worth it and i’m so proud of myself
1K |
I’m a corporate finance professional. Over the years I’ve seen many accountants remain poor as well. Aside from better financial upstanding and literacy. The biggest factor I believe is discipline. People really struggle with it.
2K |
This beyond amazing. Whoever’s reading this hope you find success.
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“The word accounting comes from the word accountability. If you are going to be rich, you need to be accountable for your money.” - Robert Kiyosaki
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Finances are like nutrition. If you don’t care about it, it runs away with you and you can never get ahead and focus on the OTHER things that matter. When you care about your finances you are in essence making yourself healthier as you would by eating better, exercising or learning.
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Three things i will add on.
1. Never get a credit card if you're clumpsy in financial management.
Credit card comes with financial decipline. If you are ready to decipline yourself then go head or else don't get it.
2 Avoid food which says ' Content added sugar' in super market. This single decision will keep you healthy and wealthy
3 Save for passion. Have passion for which would like to spend. This will motivate you to save. Plan your spendings.
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Hi Nischa I am a financial advisor and have recently started following you and got to say I love the content. The biggest plus was the strength you showed when you weren’t getting enough views but you kept going. Hats off
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Investing resources and making good returns is not as easy as it seems, there are a lot of things that aren't well taught in schools. The market crisis gave me my first millions, when people stayed away from hard times I made the most of it..many credits goes to Sir Trevor James Beckerman
1.2K |
Habits are so important. Instead of get rid of "bad" habit, it's always easier to exchange "bad" habit, to better one.
145 |
I’m so thankful my parents thought me about budgeting and putting money aside for Emergencies. Those lessons have given me the opportunity to live comfortably and not worry about money problems.
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So many people know these rules and still don't follow them due to a lack of patience and a desire to show off. I wish more people could focus on their wealth and happiness instead of pursuing the status game... Thanks for the content!
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Success depends on the actions or steps you take to achieve it. Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.., I pray that anyone who reads this will be successful in life!!
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Me and my partner both worked but we have always lived on one income, saving and investing the other just in case anything happened and one of us lost our job, and so that we could retire early abroad. After 25 years of working we have retired abroad (12 yrs now) and are enjoying our life to the full. We worked hard for our money and we always make sure it works hard for us. We have never felt that we missed out on anything by trying to keep up with the latest trend - except maybe all the financial stress of being overstretched 😁
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can I also add: don't pay full price unless there's no alternative. Most stores have year round sales these days, and there are cyclical discounts such as Christmas sales, Black Friday, Summer sales etc where you can get deep discounts. It takes a bit of patience but if you wait for one of these opportunities to buy the thing you want, you can save so much (and never buy anything in a sale you wouldn't pay full price for!). There are also lots of places to buy second hand or refurbished goods that are as good as new, and many places where you can get things totally free, such as freecycle.
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Whenever sellers say "I could offer a 6-month payment schedule", my answer is "I do not have a credit card, I buy when I have money, and I don't when I don't have it", this sentence gives me immense power and pride. However, I am bad at other aspects and have decided to correct my mistakes and start saving and investing. The video was very helpful. Thanks a lot.
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@nischa
1 year ago
👉🏽 My Intentional Spending Tracker (free) - nischa.me/intentionalspendingtracker
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