what if I told you that there were seven
things you could cut from your budget
significant amount of money every month
helping you reach your financial goals
much sooner well in this video I will
tell you seven things I will never spend
money on again and if you're new to the
channel hit the subscribe button below
item number one banking fees have you
ever looked at your bank balance and
wondered where all these small charges
came from more than likely their
convenience fees that your bank is
charging you to use their services and
these are costs I will never pay again
while these amounts see minut paying
five to ten dollars a month adds up over
time and it's money that's better left
in your own pocket than in the banks so
in order to avoid these charges I talked
with my bake representative and told
them that I'd be moving my money
elsewhere unless they waived these fees
and what do you know the fees were gone
that same day item number two gambling
when I first hit legal age to gamble my
favorite thing to do on a Friday night
was go to the casino at that time I had
more money than brains which led me to
losing a hundreds of dollars in a night
which is money that I would love to have
back right about now you see I was too
swept up in the excitement of the games
to realize that they were set up for me
to lose sure on occasion I would win in
the short term but over the course of my
gambling career I am definitely not
ahead item number three credit card
interest charges paying interest charges
is never fun and some of the most
punishing come in the form of credit
card interest with many cards having
annual percentage rates over 20% your
purchases can ended up costing you
substantially more if you don't pay on
time in order to never pay credit card
interest again I only put a balance on
my card that I know I have money in the
bank to pay just as importantly I set up
automatic credit card bill payments
because even if you have the money on
hand failing to remember to pay your
bills will cause that interest to start
compounding now if you already have
credit card debt and are paying
exorbitant trust charges every month
there is hope in order to avoid paying
these high costs inquire as to whether
you can move your debt into a lower
interest line of credit which will
instantly cut down the interest expense
related to your debt
you can focus on paying the principal
amount instead item number for cable
when was the last time you actually
watched a show at its intended time for
most people paying for cable simply
isn't worth it because watching live
television is a thing of the past
not to mention services like amazon
prime and netflix can keep you
entertained for hours on end at a
fraction of the cost of cable and for
those who want to be extra frugal there
is plenty of quality content to enjoy on
YouTube for myself personally I find
that combining YouTube with reading is
more than enough to fill up any free
time I have item number 5 expensive gym
memberships I'll be the first to admit
that the perks of being a member of an
expensive gym can be quite amazing for
spa treatment options - towel service
and everything in between it feels great
to be pampered but at what cost when I
really looked at the main reason I go to
the gym which is to workout I had to ask
myself if paying $100 a month was really
necessary this cost was equated to
almost $10 a visit which in many places
is the cost of a membership for a month
so while they did enjoy getting the
royal treatment
I could not foresee myself ever spending
money on expensive gym memberships again
item number 6 extended warranties you've
been there before you are seconds away
from completing your transaction when
the salesperson asks one final question
did you want to get the extended
warranty being a cautious person I
always used to buy the extended warranty
on items I bought however over time I
came to realize just how much of a
ripoff this really was I was spending
sometimes up to half the value of the
product in the case that something would
go wrong which almost never happened
personally I've stopped buying extended
warranties altogether but if you still
feel the need then before shelling out
extra money ask yourself the following
things if this item breaks can I afford
to replace it without causing financial
duress does the product already come
with coverage from the manufacturer and
we're buying a higher-quality item
outweigh the cost of adding an extended
warranty to this purchase item number 7
trying to impress people let's face it
we don't always spend money for the
right reasons and one terrible reason to
spend money is to impress
whether its buying a new outfit to
impress a girl at school or purchasing a
larger home to show off to your friends
spending to impress is not advisable
sadly I used to be someone who would buy
all designer brand-name clothes to show
off to my classmates but as I've gotten
older I've realized the people worth
having around will like me for my
personality and not for my wardrobe so
the next time you put that item in your
shopping cart ask yourself am i buying
this for me or someone else thanks for
watching if you want to go from the life
you hop to the life you deserve then hit
the subscribe button now
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