Chef Toni wants you to get 1.8% interest on your money: neo.cc/refer/U9R5E2J3. Also, new episode in the Cash College mini-series next week! Hope you're all well :)

@vishalkhatri6723

2 жыл бұрын

Hey you can directly import the PDF file as a database in excel and you do not have to type it.

@NINTENDOPOKEMON100

Жыл бұрын

$30 of ingredients! That'll cost you £8-10 in the UK ($9.40-11.70) Is this why americans will be 'yeah i make $22/h dressing windows or $35/h driving a truck??

@XanderJabesNeal

Жыл бұрын

This was so whoelsome

America is currently plagued by the hydra-headed evil duo of inflation and recession. The worst part about this recession is that consumers are racking up credit card debt. In April last year alone, credit card debt went up 20% while rates have doubled in a year. Inflation is so high that consumers are literally taking debt for basic life necessities. Collapse has indeed begun.

@richardhudson1243

Жыл бұрын

Collapse is generous 1st time in our history with a full generation that wasn't taught financial literacy, civics, Google fixes their problems if their parents don't do it for them. Reckoning for participation trophies is incoming.

@darnellcapriccioso

Жыл бұрын

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.

@maiadazz

Жыл бұрын

@@darnellcapriccioso Hi Mate, please how can i reach this CFA of yours?

@darnellcapriccioso

Жыл бұрын

@@maiadazz Laurel Dell Sroufe is an exceptional individual with a talent for diversifying her investments. You can easily confirm her identity by conducting an online search. She possesses extensive knowledge of the financial markets.

@ericmccormick82

Жыл бұрын

@@darnellcapriccioso Upon conducting a comprehensive search, I discovered that her complete name occupied the highest position in my search results. I express my gratitude for this valuable information, and it is genuinely appreciated.

The only thing a budget *really* needs is: 1) savings 2) fixed expenses That's it. Take out the amount you want saved first- pay yourself first. And then non-negotiables: rent, insurance, debt payment, etc. After that, everything is up for grabs. It literally doesn't matter. As long as you get your savings/investment goal covered as well as fixed expenses, don't sweat the small stuff.

@1970rsc

Жыл бұрын

That only works if your financial situation is simple. Some people have financial responsibility for their parents or their children or want to give money away to charities when they pass. These type of expenses are neither savings or "fixed expenses" like insurance or housing since they are other people's needs, not your own. My mom might need $1k this month to help out on bills, but she might need $5k next month to help for a car.

@ilvaphoto

Жыл бұрын

@@1970rsc that doesn't change the original statement at all.

@1970rsc

Жыл бұрын

@@ilvaphoto of course it changes the original statement because you add variable expenses. So instead of taking the amount you want saved first, first you have to see which of your variable expenses are more important than savings - like if I have to help pay for my moms hospital. I take that out first, then take out what I need for fixed expenses, like rent, then what I have left is savings. So it changes in that when you have financial responsibility over others, those costs sometimes take precedent over your own needs.

@UltraGalacticSuperFantastic

Жыл бұрын

@@1970rsc Couldn't you take the last couple years of your mom's expenses you had to cover, average it out, and increase your savings goals by that much?

@SpaceGoest

Жыл бұрын

@@1970rsc other unexpected expenses have nothing to do with your budget, that’s what your savings is for, things outside of your fixed expenses and your personal needs. If you can afford to give your mom an unexpected 5k then that should originate from your savings or else you had 5k sitting there depreciating which is already an elementary financial mistake.

a much simpler way is to divide your expenses between fixed and variable expenses. The variable expenses you review monthly and the fixed expenses you review quarterly and especially for example when your internet charges go up or contract ends etc.

Coming back to this video to say the title is inaccurate. I've been using this since July 2022, and I actually tripled my savings 😁 I adapted my own version of this method and I'm not exaggerating when I say it changed my life. I evangelize it to others whenever I can. thank you very much mr stephen

As a financial advisor I strategise my budget by paying all my non negotiables first; such as rent, bills, travel money etc. I then have a leisure budget (socialising, drinks, etc) I keep this to a minimal, but not so strapped that I can't have fun. I then put 80% into various ETF's that give me long projected growth. I then invest the other 20% into the stock market, sometimes I don't invest all of it and then put the remaining into my ETF's. I never let money just sit around in my bank account, apart from a set amount for emergencies that I need to access quickly.

I believe in in vestments over savings all day any day and when it comes to in vestment, diversification is key. That is why I have my interests set on key sectors based on projected performance and growth. They range from the EV sector, renewable energy, Tech and Health.

@weicaihon

Жыл бұрын

It is possible to produce outstanding growth in portfolio diversification as long as you do something different than the vast majority.

@annMarien

Жыл бұрын

In vesting in stocks is a great idea and a good trading technique or system put in place would put you through many days of success.

@ramonfred

Жыл бұрын

just amazing, monitoring my port folio performance which has grown exponentially to a million, now I understand why experienced experts make enormous returns from the ever unstable mar kets.

@weicaihon

Жыл бұрын

@@ramonfred Interesting 😮, I have some $ just sitting in my bank account doing absolutely nothing, I wanna get something started with it. You seem to be doing excellent for yourself. How do you achieve this?

@callumfrank

Жыл бұрын

Exactly Fred, the trick is to diversify your in vestments, don’t panic when everyone else is and in vest consistently.

I'm brand new to budgeting and have been feeling really overwhelmed with figuring out where to start. This video has alleviated so much of that anxiety and helped me find my footing in order to build that solid foundation I need to get started. Thank you man, it's greatly appreciated!

I would love to do this but, I live in the Philippines. I work for an outsourcing company that has US clients and I get paid about $350-375 a month, only get paid to survive. It's pretty hard to do when you work for a salary that only lets you live day to day.

@AllTheArtsy

Жыл бұрын

Dude 18k seryoso? Lipat na.

@psrkives

Жыл бұрын

@@AllTheArtsy I wish I could find the same job. Kaya lang hindi pa ko nag reresign kasi sobrang light ng workload, maayos management, non voice, all data entry, and pure WFH.

@psrkives

Жыл бұрын

@@AllTheArtsy My only concern here, sa California naka based yung client ng company namin. They have $15 minimum wage doon. They earn about $2400 a month, compare that to us outsourced na $375 max a month.

@AllTheArtsy

Жыл бұрын

@@psrkives your description of your work is very basic and not rare. Srsly just apply anywhere else that offers WFH, that's so normal now post-CoVID

@zzzyyyxxx

Жыл бұрын

@@psrkives bruh if it's work from home, just...get another WFH job and do both

Another easy way to save money on eating out is AVOID UBER EATS. The price is insane vs using the restaurants' in-house delivery (depending on the place), or picking it up yourself. Each food item is almost always marked up, plus delivery fees, plus service fees, etc. I personally did some comparisons and a restaurant near Vaughan Mills (a 10 min round trip from my condo) was $20 more expensive via uber eats vs me driving. And pizza places? Absolutely a waste to use uber eats instead of their own delivery drivers. Obviously cook your food yourself when you can to save the most money.

@em77775

2 жыл бұрын

Or do some Uber eats delivery yourself and drop off someone's takeout while you pick up your own and make a little side cash.

Is this really a good time to buy stocks? I know everyone says the mrkt is ripe enough for buying but will stocks tank further this year? How long until a full stock recovery? How are other people in this mrkt raking in over $250k gains within months, I'm really just confused at this point.

@ervinmurray1253

Жыл бұрын

Very true! I've been able to scale from $350K to $650K this red season because my FA figured out Defensive strategies to protect my portfolio and profit from this roller coaster market.

@carlocase8027

Жыл бұрын

@@ervinmurray1253 That's heavy! keep it up, I could really use the expertise of these advisrs, my port-folio has been down bad....who’s the person guiding you

@ervinmurray1253

Жыл бұрын

Credits to 'Sandrine Nadege Logan' she has a web presence, so you can simply just search her.

@iamapat

Жыл бұрын

Lmao, clueless

@karsenkelsey801

Жыл бұрын

The best time to buy stocks is all the time….time in the market beats timing the market

this was a great breakdown. simple rule I've been trying to follow at the moment was essentially, stop spending money on shit that doesn't make you happy.

the only person I know that can get away with a cooking video in a finance video 😂👌🏼

Steve! This is brilliant. The importance piece made my jaw drop. So smart!

If you don’t want to invest…learn. If you don’t want to learn…build. If you don’t want to build observe. DO SOMETHING…other than leave. There is so much opportunity here. Take advantage!

@taylorcoggan2054

2 жыл бұрын

Reminds me of the phrase...."Rising tide raises all boats" to which Warren Buffet added "It’s only when the tide goes out that you discover who’s been swimming naked"

@richardsoncuthel810

2 жыл бұрын

@Camila Liam To manage investment risk consider maintaining a broad diversification of your investments that reflects your personal risk tolerance, time horizon, and the nature of your financial goal. Remember, diversification is an approach to help manage investment risk. It does not eliminate the risk of loss if security prices decline Because investing can be complicated. Consider working with a Financial Advisor to help guide you on your wealth-building journey if you're just starting out.

@richardsoncuthel810

2 жыл бұрын

@Camila Liam "Katherine Duffy Burke" performs admirably. In terms of portfolio diversification, she is pretty brilliant and also SEC-regulated, so you may check her up online.

I absolutely loved your video, thank you so much for doing it! you were really helpful to me

Dude you are such a godsend. Honestly keep learning something new about budgeting but definitely getting to know more of how to navigate life, budget, while still allowing myself to "set and forget" a goal while still saving after watching this. You're an angel and have learned alot even in the couple mins of watching this. Huge spreadsheet gurl but this is next level

I really appreciate this video - this was huge help in seeing things from a more full picture. Thank you!

Tracking is a great way to eliminate bad habits. I've started weighing my food and, honestly, I'm not so strict about it but I've noticed there's an increased resistance (that doesn't feel bad at all) to eating food that only gives me calories and gives me barely any nutrition. I'd say the same philosophy applies to tracking your expenses. Simply tracking your expenses will likely improve your buying behavior without the conscious effort of "sacrificing" your lifestyle.

@lukvanleeuwen7603

Жыл бұрын

Be carefull with weighing food though! If you take it a step further every time that could result in a ED (not saying it will, just a warning). I would look at it more like adding stuff to add nutrition, and then taking away the less nutritious stuff only to the amount you feel like you could eat. The result is of course basically the same, but it might help against seeing calories as a negative thing :)

First video I’ve seen of yours and WOW. Super helpful and concise. Loved it!! And you have a nice voice especially Chef Toni 😜

The issue with shouldn't have category is you don't you realize you will regret it untill you bought it. Sometimes you can return and item or sell it. A good method that had helped me is to wait a 2 or 3 days before I buy something.

New subbie. Great video. Right up my alley. I'm a spreadsheet maven for sure! Can't wait to binge your content.

Really helpful video, making the sheet as we speak👍🏼

We are lucky to see a real life income and expenditure example. No need for criticism on how a person spends their hard earned cash. Everyone goes through different seasons. No one is perfect

Hi, I'm italian, I was really appreciating the video and then you started cooking. I was really initially surprised to see that you were putting basically the same ingredients that we use in italy as well, but at the end you said garlic, that's unacceptable! Any way, keep up the good content :)

I already save about 50 - 60% and did not know about this easy trick xD Thanks a lot! :)

Love the content Steve! Very helpful!

@steveantonioni

2 жыл бұрын

Happy to hear 😊

I came here to save money, and learned how to use excel😂😂 Amazing!

This is inspiring, I never thought people would thought it'd be easily adaptable especially with difference spendings etc. Thanks for sharing!

With the way things are moving, I think I need to see a video on "How to survive amidst the present recession". I mean, everything is in shambles. Surprisingly I heard people still make over 100K within a few months, and I'd like to know How and if it is still possible in these times or if I am being unlucky.

@patriciacleveland2588

Жыл бұрын

Have this at the back of your mind. There are good days, and there are bad days. It is a zero-sum game. However, make sure to Save & diversify your investments so that when one is down, the other will be up. Personally, as one who has been into Real Estate for as long as I can remember, I made my first miIIion earlier this year from NFTs and Stocks. (through the help of a specialist though) Imagine what the situation would have been given the real estate market if I were solely banking on it.

@patriciacleveland2588

Жыл бұрын

@mackenzie fventes Funny enough, I can honestly relate. I don't know if I am permitted to drop this here, but do run a check on Sandra Yvonne Webster or Sandra .Y. Webster Finance. Was in the news a lot a few months ago.

@YTDataAnalyst

Жыл бұрын

@@patriciacleveland2588 Too bad most people don't follow the diversification principle, the reason why they easily get tense when there is volatility.

@ANTHONY_esq

Жыл бұрын

@@patriciacleveland2588 In all honesty, this is the second time I am coming across this Sandra Yvonne Webster. Last Tuesday, I saw a telecast on the economic bubble there were testimonials from her clientele on how they gain daily through her strategies. The testimonies were so impressive and sounded too good to be true. Though I made some research and found out she's one of the oldest by ranking and has a very large clientele base. I am still skeptical. Do you work with her? Thanks.

Sent here by DTM and really enjoyed the video👍

LOVED THIS !!!! Thank you so much 💕

Hi! Thank you for the super helpful tips. I have been trying to manage my expenses for some time now. The first thing I wanted to do was increase visibility. I tried some approaches in Excel, but this seems to be the best out of the ones I have tried.

Just a little tip from an italian person: instead of using just onion, use the sacred triad of italian sauces being, onion, carrot and celery, also if you want it to be really flavourful spray it with a bit of red wine, doesn't matter the quality

@lalfiere7750

Жыл бұрын

I know that's not the point of the video, but i'm italian, so it is for me

Treat your savings like a needed expense. Budget around your needed expenses such as rent like you already do, just add savings on top and budget slightly more. Doesn't mean you can't ever eat out or have fun with friends, but know your limits

gr8 video totally loved it !!!! :D hope you keep doing more of this

80% savings rate means you can be financially independent in about 6 years!

@steveantonioni

2 жыл бұрын

👀

@mattsarff2793

2 жыл бұрын

I'm at 40% savings... long ways to go

6:20 I laughed way too hard 😂... did not see that coming

I loved this. Going to be introducing an Importance to my budget ASAP. Thank youuuu

Excellent analysis. Kudos to Justine for allowing you to break down her finances.

I was wondering why yt recommended this video. I now see, the recipe imbedded set off my recs. Cooking videos are practically the only thing I watch lol

This is done really well - really simple and easy to follow. Can’t wait to try it out for myself at the end of the montb

this video deserves a million likes

I did this analysis over a full year and I was shocked. 500 per month on average eating out, 500 shopping, 100 on taxis, etc. we were wasting our money without even realising it. We always thought "once in a while is ok, right?". We were totally wrong in assessing how often we were actually spending unnecessarily. Now we're setting hard limits on each category and it's as simple as that. It's changing our lives. We're finally getting out of the "there's money in the bank so we can afford this" mentality.

You are exactly the type of person the average joe like me needs to learn all this

Love this! got the spreadsheet set up & ready to go! Gr8 tips!

You are God's send. I never thought about how missed up my spending until I tried your tool. God bless you more.

This video is so informative! Thank you so much! Btw, which lens are you using? The framing looks so cinematic!

I’m financial planner and this is the best spreadsheet I’ve seen. I’ve never seen it broken down so simply this way. I will give this video to my clients as homework.

@WookieChewie13

Жыл бұрын

you are joking right? you are , literally, a financial planner?

@roses.9181

Жыл бұрын

@@WookieChewie13 I've just never used Google Sheets, and this is super helpful! It made the process so simple! I'm usually the one making the spreadsheet on Excel, but this could be so much more impactful to clients by having them do it themselves and consider what they are spending their money on.

@roses.9181

Жыл бұрын

@deer Thank you! It's definitely easier when you love what you do!

Great vid… hope you feel healthier asap and keep creating ✊

@steveantonioni

2 жыл бұрын

Thanks Joshua 😤

I FEEL LIKE THE HOLE SEASON IS OVER, I'M TRYING TO GET INTO TRADING AS A ROOKIE, BUT I'VE HAD SO MUCH LOSS0 TRYING TO TRADE ON MY OWN, PLEASE WHAT STRATEGIES DO I NEED TO EARN PROFITS FROM THE MARKET came here to learn how to trade after listening to this video lI'm still confused, I'm a newbie and I'm open to ideas.

@kathylarson5377

Жыл бұрын

The best strategy to use in trading is to trade a professional who understands the market quite well, that way maximum profit is guaranteed. Because I have learned along the way of my investment that research and analysis are important, note that experience is more needed, than luck when it comes to the financial market.

@julielopez1948

Жыл бұрын

This Bitcoin trading has set sail. I honestly cannot overemphasize how much delving into Bitcoin trading has helped saved and changed the lives of many.

@craigrichards9104

Жыл бұрын

most tinmes it amnazes me greatly the way I moved fro an average lifestyle to earning over $62k per month, utter shock is the word. I have understooda lot in the past few years to doubt that opportunities abound in the financial markets, The only thing is to know where to focus.

@tildawigren5086

Жыл бұрын

Interesting.. how did you do it? I could use some help over here too, My Crypto picks have been depressingly bad Tbh I'm in need of a good investment plan currently, I still have a lump sum in a savings account yielding next to nothing. Do you have more clues that could help?

@albertaalmasanu442

Жыл бұрын

she's available on FB

Wait a min i thought this was a financial video? Now its a cooking tutorial this is tight, i fw it

@steveantonioni

Жыл бұрын

I fw u

Great video Stephen! I feel pretty good about my savings rate right now but would love to try and see if I can challenge myself to double my savings

This is a great video, from the great tips on saving to showing the cooking. Idk, very thoughtful and high quality video!

Just tried this method! Super helpful - thank you!

Omg, super helpful video. Thank you!

When you work 3 jobs, coffee is essential. That said, I saved $450/mth by buying a home espresso maker and making it at home. You do not always have to eliminate things or pay too much.

This is the first video I have ever watched of your but you automatically get a sub from me for that sick Cloud tattoo you have. FF7 is my favorite game ever.

Went from teaching me how to budget to teaching us that eating out is eating away at the funds. Chefs kiss

I started saving once I had multiple income sources. It allowed me to save the side hustle money and live off the day job.

@steveantonioni

2 жыл бұрын

Nothing like a side ting

Thanks for sharing this video! As I gain more money, I tend to spend more money. I really want to save more money. Your video helps me a lot! Definitely will do it!

Probably the best way I have found to analyze my expenses... Thank You... I will be sharing this.... I hope your on facebook... I'm old. lol

This video really had everything - both theoretical and practical advice on managing your finances, a tutorial on how to create and use pivot tables, an amazing spaghetti sauce recipe AND a humorous Chef Tony?! You're my new favourite thing on KZread! Glad to have found you!

This is a great vid. The really hard part is the analysis ... because there's a real emotional & piece to spending.

I’m so glad I found your channel

This is the most reasonable and helpful financial advice I’ve ever heard. Thank you for sharing, I will be analyzing my spending. I bet there will be som eye openers.

how did you make the top line into the categories/items?

This is the first video of yours I’ve seen. I love you.

The importance section is the most important part. I always categorize Need vs want before I make a purchase. I manage to save and invest 90% of my salary

Thanks very much Chef Tony...!!!

I just realized that you have a cloud tattoo! That’s cool haha didn’t know you were a gamer! Nice video btw, hope you get better!

@steveantonioni

2 жыл бұрын

Peep the one just below my elbow crease too 😉

Not only is this a great video on how to fix your finances, but its also a great showcase of the power of categorical data. Sometimes all you need to figure out what needs to be fixed is to just put the right label on it.

I’m going to switch from Point to this card. Thanks!!!

Love your calmness keeps finances not cold and ruthless as it is

Yo this spreadsheet is fire. Easy way to see where your money is going. Did it for my own finances as I was watching and definitely need to cut down on eating out. That takes up 30-45% of my spending.

in italy it is actually illegal to use onion and garlic at the same time... you need to use only one, to avoid spending the night in jail, and be disowned

BAHAHAHAA the chef toni segment was too funny and I was not ready for that lol

What, iPhone essential? xd. Nice video BTW

the thing that takes most of your money is housing. rent is just awfully high, and food is right behind it in terms of how much its costing. i divide it in needs, wants, savings and then in fixed expenses and variable expenses.

I just checked and I naturally save around 42% of my income on payday and usually have around 20% left over at the end of the month... so 60% in total! Not bad for a 20 y/o who lives alone and doesn't have a formal budgeting method as of yet :)

@thiti190

Жыл бұрын

great one! I hope you can share this with many young people who usually don't have these financial instincts

@n.running6536

Жыл бұрын

@@thiti190 Thank you :) I'm tracking my spendings this month so hopefully I can be more mindful over the coming year. Main expense seems to be food haha

@thiti190

Жыл бұрын

@@n.running6536 that is good. you give me inspiration to do the same. Why did you start doing these budgethings?

@n.running6536

Жыл бұрын

@@thiti190 Because I want to be as financially secure and independent as possible :)

@thiti190

Жыл бұрын

@@n.running6536 great to read this. very curious, how will you acquire this?

I think I'm doing something wrong because my pivot table doesn't calculate my amounts. It counted them and the total was not what it was suppose to be. Am I missing something? I didn't have those lines in my category, does that do anything?

Very down to earth video on finances. Great video bro.

wow You are so good at what you do. Thanks for this info!

When is saw the video i was like i dont need to watch it but lets do it anyways and after watching it i was like i realy had to see this video😂

EXCELLENT video! Love your ideas with the spreadsheet. Thank you.

Just subscribed, you've absolutely helped me a lot bro!

Loved this. Can’t wait to do it!

not having monthly debt makes $4200 look dreamy

Nice content! The best way to find that balance between saving and living is by investing, this way you get to have your savings intact and then live comfortably of the revenue coming in from your investments.

@binagital5665

2 жыл бұрын

His trade execution quality and profiting is well structured with great financial features.

@lindalily6924

2 жыл бұрын

Working with Romero pieto is the best thing that can happen to a beginner trader who is aspiring to be fruitful out of the market he is trustworthy and straightforward we surely need more men like him in trading world.

@Wisdom00009

2 жыл бұрын

Good good content.

@abscottcoleman400

2 жыл бұрын

Yes I'm a living testimony of Romero pieto his platform has also done a great thing for me.

@katlinmicheal8121

2 жыл бұрын

I've seen so many review about this man called Romero pieto who is he ?

Simple, well explained and well put together. Such a great video man. Well done.

Thanks chef Toni!

Thank you for the recipe! 👌

Came for the finance, stayed for the sauce!

lol love the view of high park beginning

Really enjoyed the video, and the process. I will try this with my students in the future. Have a nice one:))

This is a fabulous video. Very well done

You remind me of Guy from the Croods hehe. Thanks for the financial advice ❤️

How do you simplify not doing double accounting when you use both credit and debit cards?

How did you get the slicer icon on the individual columns?

When you look for a pasta recipe in Financial Advice videos.