All language subtitles for Whrugal

I live a very frugal life I pretty much

I live a very frugal life I pretty much
always<00:00:03.060> have<00:00:03.360> and<00:00:03.659> I<00:00:03.780> probably<00:00:03.959> always<00:00:04.200> will

always have and I probably always will

always have and I probably always will
I<00:00:05.460> do<00:00:05.700> a<00:00:05.819> very<00:00:05.940> strict<00:00:06.120> budget<00:00:06.480> and<00:00:06.779> I<00:00:06.899> track

I do a very strict budget and I track

I do a very strict budget and I track
every<00:00:07.500> single<00:00:07.740> penny<00:00:08.099> that<00:00:08.220> I<00:00:08.400> make<00:00:08.519> or<00:00:08.820> spend

every single penny that I make or spend

every single penny that I make or spend
in<00:00:09.480> excessive<00:00:09.960> spreadsheets<00:00:10.500> no<00:00:10.860> I'm<00:00:11.099> dead

in excessive spreadsheets no I'm dead

in excessive spreadsheets no I'm dead
serious<00:00:11.519> take<00:00:11.700> a<00:00:11.820> look<00:00:11.880> at<00:00:12.059> this

sometimes I wonder if I'm pushing the

sometimes I wonder if I'm pushing the
limits<00:00:16.500> of<00:00:16.560> frugality<00:00:17.100> and<00:00:17.400> just<00:00:17.640> being<00:00:17.820> cheap

limits of frugality and just being cheap

limits of frugality and just being cheap
hey<00:00:18.660> Siri<00:00:18.840> what's<00:00:19.260> the<00:00:19.380> difference<00:00:19.500> between

hey Siri what's the difference between

hey Siri what's the difference between
being<00:00:20.039> Frugal<00:00:20.460> and<00:00:20.699> being<00:00:20.880> cheap

ass in all seriousness I distinguish

ass in all seriousness I distinguish
between<00:00:27.599> frugality<00:00:28.320> and<00:00:28.500> cheapness<00:00:28.920> based

between frugality and cheapness based

between frugality and cheapness based
not<00:00:29.460> on<00:00:29.640> how<00:00:29.760> much<00:00:29.880> money<00:00:30.060> I<00:00:30.240> spend<00:00:30.359> on<00:00:30.480> myself

not on how much money I spend on myself

not on how much money I spend on myself
but<00:00:31.019> more<00:00:31.199> so<00:00:31.380> on<00:00:31.439> how<00:00:31.619> I<00:00:31.740> treat<00:00:31.859> others<00:00:32.279> but

but more so on how I treat others but

but more so on how I treat others but
more<00:00:32.940> on<00:00:33.120> this<00:00:33.239> later

more on this later

more on this later
I<00:00:34.860> think<00:00:34.980> I<00:00:35.160> have<00:00:35.280> good<00:00:35.460> reasons<00:00:35.820> for<00:00:35.940> being

I think I have good reasons for being

I think I have good reasons for being
Frugal<00:00:36.540> I<00:00:36.899> try<00:00:37.020> to<00:00:37.140> live<00:00:37.260> a<00:00:37.440> simple<00:00:37.559> life<00:00:37.800> but

Frugal I try to live a simple life but

Frugal I try to live a simple life but
one<00:00:38.219> that's<00:00:38.399> full<00:00:38.579> of<00:00:38.760> meaning<00:00:38.880> and

one that's full of meaning and

one that's full of meaning and
fulfillment<00:00:39.540> and<00:00:39.780> that<00:00:39.960> doesn't<00:00:40.079> necessarily

fulfillment and that doesn't necessarily

fulfillment and that doesn't necessarily
require<00:00:40.800> extensive<00:00:41.399> spending<00:00:41.820> I<00:00:42.120> find

require extensive spending I find

require extensive spending I find
immense<00:00:42.719> joy<00:00:43.140> in<00:00:43.379> the<00:00:43.559> simple<00:00:43.739> things<00:00:44.040> things

immense joy in the simple things things

immense joy in the simple things things
like<00:00:45.000> sleeping<00:00:45.480> in<00:00:45.660> walking<00:00:46.260> my<00:00:46.559> dog<00:00:46.800> cooking

like sleeping in walking my dog cooking

like sleeping in walking my dog cooking
meals<00:00:47.700> reading<00:00:48.120> books<00:00:48.420> listening<00:00:48.719> to

meals reading books listening to

meals reading books listening to
podcasts<00:00:49.379> making<00:00:49.680> music<00:00:49.980> and<00:00:50.399> making<00:00:50.640> these

podcasts making music and making these

podcasts making music and making these
YouTube<00:00:51.120> videos<00:00:51.480> I<00:00:52.200> love<00:00:52.320> quiet<00:00:52.680> time<00:00:52.980> I<00:00:53.399> love

YouTube videos I love quiet time I love

YouTube videos I love quiet time I love
being<00:00:53.760> alone<00:00:54.000> and<00:00:54.420> I<00:00:54.480> love<00:00:54.600> being<00:00:54.780> able<00:00:55.020> to<00:00:55.079> do

being alone and I love being able to do

being alone and I love being able to do
things<00:00:55.440> at<00:00:55.739> a<00:00:55.860> leisurely<00:00:56.219> Pace<00:00:56.460> without

things at a leisurely Pace without

things at a leisurely Pace without
feeling<00:00:57.059> pressured<00:00:57.539> or<00:00:57.719> rushed<00:00:58.140> but<00:00:58.559> living

feeling pressured or rushed but living

feeling pressured or rushed but living
an<00:00:58.980> expensive<00:00:59.399> lifestyle<00:00:59.820> would<00:01:00.120> seriously

an expensive lifestyle would seriously

an expensive lifestyle would seriously
hinder<00:01:00.840> my<00:01:00.960> ability<00:01:01.199> to<00:01:01.440> live<00:01:01.559> this<00:01:01.739> way

hinder my ability to live this way

hinder my ability to live this way
because<00:01:02.399> the<00:01:02.699> more<00:01:02.820> I<00:01:03.000> spend<00:01:03.180> the<00:01:03.420> more<00:01:03.600> I<00:01:03.780> have

because the more I spend the more I have

because the more I spend the more I have
to<00:01:03.960> earn<00:01:04.199> and<00:01:04.440> the<00:01:04.559> more<00:01:04.680> I<00:01:04.799> have<00:01:04.920> to<00:01:04.979> earn<00:01:05.220> the

to earn and the more I have to earn the

to earn and the more I have to earn the
more<00:01:05.460> I<00:01:05.580> have<00:01:05.700> to<00:01:05.820> work<00:01:05.939> and<00:01:06.180> the<00:01:06.299> more<00:01:06.420> I<00:01:06.540> have

more I have to work and the more I have

more I have to work and the more I have
to<00:01:06.780> work<00:01:06.900> the<00:01:07.200> less<00:01:07.320> time<00:01:07.500> I<00:01:07.680> have<00:01:07.799> to<00:01:07.979> spend

to work the less time I have to spend

to work the less time I have to spend
doing<00:01:08.400> the<00:01:08.640> things<00:01:08.760> that<00:01:09.000> actually<00:01:09.180> make<00:01:09.360> me

doing the things that actually make me

doing the things that actually make me
happy<00:01:09.720> and<00:01:10.320> it's<00:01:10.500> really<00:01:10.680> that<00:01:10.920> simple<00:01:11.100> the

happy and it's really that simple the

happy and it's really that simple the
main<00:01:11.700> reason<00:01:11.880> that<00:01:12.119> I<00:01:12.240> live<00:01:12.360> frugally<00:01:12.720> is<00:01:12.960> not

main reason that I live frugally is not

main reason that I live frugally is not
because<00:01:13.260> I<00:01:13.439> care<00:01:13.560> about<00:01:13.680> the<00:01:13.920> money<00:01:14.040> itself

because I care about the money itself

because I care about the money itself
but<00:01:14.580> because<00:01:14.700> I<00:01:14.939> care<00:01:15.060> about<00:01:15.180> my<00:01:15.479> own<00:01:15.540> freedom

but because I care about my own freedom

but because I care about my own freedom
and<00:01:16.320> there's<00:01:16.439> another<00:01:16.619> thing<00:01:16.979> and<00:01:17.340> that's

and there's another thing and that's

and there's another thing and that's
compromise<00:01:18.060> life<00:01:18.900> is<00:01:19.140> a<00:01:19.320> balancing<00:01:19.680> act<00:01:19.799> and

compromise life is a balancing act and

compromise life is a balancing act and
it's<00:01:20.220> full<00:01:20.340> of<00:01:20.460> compromises<00:01:21.119> every<00:01:21.479> time<00:01:21.659> you

it's full of compromises every time you

it's full of compromises every time you
say<00:01:22.020> yes<00:01:22.259> to<00:01:22.439> something<00:01:22.619> you're<00:01:22.979> saying<00:01:23.280> no<00:01:23.340> to

say yes to something you're saying no to

say yes to something you're saying no to
something<00:01:23.700> else<00:01:24.000> every<00:01:24.540> time<00:01:24.720> I<00:01:24.900> decide<00:01:25.140> that

something else every time I decide that

something else every time I decide that
I'm<00:01:25.439> going<00:01:25.500> to<00:01:25.560> spend<00:01:25.740> my<00:01:25.860> money<00:01:25.979> on<00:01:26.159> one<00:01:26.340> thing

I'm going to spend my money on one thing

I'm going to spend my money on one thing
I'm<00:01:26.820> stopping<00:01:27.240> myself<00:01:27.360> from<00:01:27.659> being<00:01:27.780> able<00:01:27.960> to

I'm stopping myself from being able to

I'm stopping myself from being able to
spend<00:01:28.200> it<00:01:28.380> on<00:01:28.560> something<00:01:28.740> else<00:01:28.979> and<00:01:29.280> the<00:01:29.400> same

spend it on something else and the same

spend it on something else and the same
goes<00:01:29.820> for<00:01:29.939> your<00:01:30.119> time<00:01:30.299> and<00:01:30.479> your<00:01:30.659> efforts<00:01:31.020> I'm

goes for your time and your efforts I'm

goes for your time and your efforts I'm
pretty<00:01:31.799> fortunate<00:01:32.159> that<00:01:32.340> I'm<00:01:32.520> able<00:01:32.759> to<00:01:32.820> mostly

pretty fortunate that I'm able to mostly

pretty fortunate that I'm able to mostly
comfortably<00:01:33.600> cover<00:01:33.840> all<00:01:34.020> of<00:01:34.140> my<00:01:34.320> bills<00:01:35.040> but

comfortably cover all of my bills but

comfortably cover all of my bills but
I'm<00:01:35.520> not<00:01:35.700> rich<00:01:35.880> and<00:01:36.240> the<00:01:36.360> truth<00:01:36.479> is<00:01:36.659> that<00:01:36.840> the

I'm not rich and the truth is that the

I'm not rich and the truth is that the
reason<00:01:37.079> that<00:01:37.259> I'm<00:01:37.380> able<00:01:37.560> to<00:01:37.680> comfortably

reason that I'm able to comfortably

reason that I'm able to comfortably
cover<00:01:38.159> my<00:01:38.400> bills<00:01:38.640> is<00:01:38.820> just<00:01:39.000> because<00:01:39.119> I'm<00:01:39.360> so

cover my bills is just because I'm so

cover my bills is just because I'm so
Frugal<00:01:39.900> in<00:01:40.079> every<00:01:40.259> other<00:01:40.380> way<00:01:40.619> the<00:01:41.100> cost<00:01:41.280> of

Frugal in every other way the cost of

Frugal in every other way the cost of
living<00:01:41.579> here<00:01:41.820> in<00:01:42.000> Toronto<00:01:42.299> is<00:01:42.540> insanely<00:01:42.960> high

living here in Toronto is insanely high

living here in Toronto is insanely high
and<00:01:43.320> only<00:01:43.500> getting<00:01:43.680> worse<00:01:43.979> and<00:01:44.100> so<00:01:44.280> my<00:01:44.400> money

and only getting worse and so my money

and only getting worse and so my money
doesn't<00:01:44.759> go<00:01:45.000> very<00:01:45.180> far<00:01:45.479> and<00:01:46.200> so<00:01:46.320> I<00:01:46.439> have<00:01:46.560> to

doesn't go very far and so I have to

doesn't go very far and so I have to
compromise<00:01:47.100> and<00:01:47.280> I<00:01:47.400> have<00:01:47.460> to<00:01:47.579> prioritize<00:01:48.060> and

compromise and I have to prioritize and

compromise and I have to prioritize and
I<00:01:48.360> have<00:01:48.420> to<00:01:48.600> decide<00:01:48.840> what<00:01:49.079> I'm<00:01:49.200> willing<00:01:49.439> to<00:01:49.560> say

I have to decide what I'm willing to say

I have to decide what I'm willing to say
no<00:01:49.860> to<00:01:50.040> so<00:01:50.280> I<00:01:50.460> can<00:01:50.520> continue<00:01:50.700> to<00:01:50.939> say<00:01:51.119> yes<00:01:51.299> to

no to so I can continue to say yes to

no to so I can continue to say yes to
the<00:01:51.600> things<00:01:51.780> that<00:01:51.899> are<00:01:52.020> important<00:01:52.320> having<00:01:53.159> a

the things that are important having a

the things that are important having a
nice<00:01:53.520> home<00:01:53.700> is<00:01:53.939> something<00:01:54.119> that<00:01:54.360> I<00:01:54.479> value

nice home is something that I value

nice home is something that I value
immensely<00:01:55.259> you<00:01:55.619> might<00:01:55.740> walk<00:01:55.920> into<00:01:56.100> my<00:01:56.340> house

immensely you might walk into my house

immensely you might walk into my house
and<00:01:56.700> look<00:01:56.820> around<00:01:57.000> and<00:01:57.299> think<00:01:57.479> you're<00:01:57.840> not

and look around and think you're not

and look around and think you're not
Frugal<00:01:58.380> at<00:01:58.619> all<00:01:58.740> but<00:01:59.220> it's<00:01:59.340> by<00:01:59.579> cutting

Frugal at all but it's by cutting

Frugal at all but it's by cutting
spending<00:02:00.180> in<00:02:00.360> other<00:02:00.479> ways<00:02:00.840> that<00:02:00.960> I'm<00:02:01.140> able<00:02:01.380> to

spending in other ways that I'm able to

spending in other ways that I'm able to
actually<00:02:01.740> afford<00:02:02.159> to<00:02:02.340> live<00:02:02.460> the<00:02:02.700> way<00:02:02.820> that<00:02:02.939> I

actually afford to live the way that I

actually afford to live the way that I
live<00:02:03.240> other<00:02:03.780> people<00:02:04.020> might<00:02:04.320> decide<00:02:04.619> to<00:02:04.799> live

live other people might decide to live

live other people might decide to live
entirely<00:02:05.340> differently<00:02:05.700> they<00:02:06.000> might<00:02:06.180> opt<00:02:06.360> for

entirely differently they might opt for

entirely differently they might opt for
cheaper<00:02:06.840> living<00:02:07.020> arrangements<00:02:07.500> in<00:02:07.680> lieu<00:02:07.979> of

cheaper living arrangements in lieu of

cheaper living arrangements in lieu of
being<00:02:08.160> able<00:02:08.340> to<00:02:08.459> spend<00:02:08.580> more<00:02:08.759> freely<00:02:09.060> on<00:02:09.300> other

being able to spend more freely on other

being able to spend more freely on other
things<00:02:09.660> and<00:02:10.020> that's<00:02:10.200> great<00:02:10.440> but<00:02:10.739> that's<00:02:10.920> still

things and that's great but that's still

things and that's great but that's still
a<00:02:11.220> compromise<00:02:11.640> if<00:02:12.239> I<00:02:12.420> earned<00:02:12.660> a<00:02:12.780> little<00:02:12.840> bit

a compromise if I earned a little bit

a compromise if I earned a little bit
more<00:02:13.080> money<00:02:13.319> I<00:02:13.680> might<00:02:13.860> be<00:02:13.980> a<00:02:14.160> bit<00:02:14.280> less<00:02:14.400> Frugal

more money I might be a bit less Frugal

more money I might be a bit less Frugal
in<00:02:15.000> certain<00:02:15.180> ways<00:02:15.420> but<00:02:15.599> for<00:02:15.720> now<00:02:15.900> this<00:02:16.080> is<00:02:16.200> my

in certain ways but for now this is my

in certain ways but for now this is my
life<00:02:16.500> and<00:02:16.739> I'm<00:02:16.920> A-Okay<00:02:17.340> with<00:02:17.520> it<00:02:17.580> and<00:02:17.760> if<00:02:17.879> I'm

life and I'm A-Okay with it and if I'm

life and I'm A-Okay with it and if I'm
being<00:02:18.120> honest<00:02:18.360> with<00:02:18.480> you<00:02:18.599> I<00:02:19.020> kind<00:02:19.080> of<00:02:19.200> like

being honest with you I kind of like

being honest with you I kind of like
being<00:02:19.560> Frugal<00:02:19.980> I<00:02:20.280> kind<00:02:20.400> of<00:02:20.520> find<00:02:20.700> saving<00:02:21.180> money

being Frugal I kind of find saving money

being Frugal I kind of find saving money
to<00:02:21.480> be<00:02:21.599> fun<00:02:21.780> it's<00:02:22.379> almost<00:02:22.500> like<00:02:22.739> a<00:02:22.860> game<00:02:22.980> to<00:02:23.160> see

to be fun it's almost like a game to see

to be fun it's almost like a game to see
how<00:02:23.520> much<00:02:23.580> value<00:02:23.819> I<00:02:24.060> can<00:02:24.180> extract<00:02:24.420> from<00:02:24.599> each

how much value I can extract from each

how much value I can extract from each
dollar<00:02:25.020> I<00:02:25.680> see<00:02:25.860> no<00:02:26.160> need<00:02:26.280> for<00:02:26.520> fancy<00:02:26.879> things

dollar I see no need for fancy things

dollar I see no need for fancy things
most<00:02:27.360> of<00:02:27.480> the<00:02:27.599> time<00:02:27.720> there's<00:02:28.319> definitely<00:02:28.560> some

most of the time there's definitely some

most of the time there's definitely some
exceptions<00:02:29.160> there<00:02:29.459> are<00:02:29.640> some<00:02:29.819> times<00:02:29.940> where

exceptions there are some times where

exceptions there are some times where
you<00:02:30.360> definitely<00:02:30.599> get<00:02:30.720> what<00:02:30.900> you<00:02:31.020> pay<00:02:31.200> for<00:02:31.379> but

you definitely get what you pay for but

you definitely get what you pay for but
the<00:02:31.980> vast<00:02:32.160> majority<00:02:32.520> of<00:02:32.580> the<00:02:32.760> time<00:02:32.879> something

the vast majority of the time something

the vast majority of the time something
that's<00:02:33.480> expensive<00:02:33.900> is<00:02:34.020> really<00:02:34.260> only

that's expensive is really only

that's expensive is really only
expensive<00:02:35.099> because<00:02:35.280> it's<00:02:35.459> seen<00:02:35.700> as<00:02:35.819> a<00:02:36.000> status

expensive because it's seen as a status

expensive because it's seen as a status
symbol<00:02:36.540> and<00:02:36.720> I<00:02:36.840> have<00:02:36.959> no<00:02:37.200> interest<00:02:37.379> in<00:02:37.560> that

symbol and I have no interest in that

symbol and I have no interest in that
whatsoever<00:02:38.099> I<00:02:38.580> buy<00:02:38.760> all<00:02:39.000> of<00:02:39.120> my<00:02:39.180> clothing<00:02:39.360> on

whatsoever I buy all of my clothing on

whatsoever I buy all of my clothing on
sale<00:02:39.900> and<00:02:40.260> I<00:02:40.379> try<00:02:40.500> to<00:02:40.620> find<00:02:40.739> a<00:02:40.920> good<00:02:40.980> balance

sale and I try to find a good balance

sale and I try to find a good balance
between<00:02:41.400> value<00:02:41.819> and<00:02:42.060> quality<00:02:42.420> but<00:02:42.660> I'm

between value and quality but I'm

between value and quality but I'm
generally<00:02:43.080> not<00:02:43.260> at<00:02:43.379> all<00:02:43.560> interested<00:02:43.860> in<00:02:43.980> the

generally not at all interested in the

generally not at all interested in the
specific<00:02:44.400> brand<00:02:44.700> name<00:02:44.879> unless<00:02:45.300> there's

specific brand name unless there's

specific brand name unless there's
something<00:02:45.660> special<00:02:46.019> about<00:02:46.379> that<00:02:46.739> either<00:02:47.220> in

something special about that either in

something special about that either in
the<00:02:47.640> quality<00:02:47.879> of<00:02:48.000> it<00:02:48.120> in<00:02:48.360> the<00:02:48.480> way<00:02:48.540> that<00:02:48.660> it

the quality of it in the way that it

the quality of it in the way that it
fits<00:02:49.019> or<00:02:49.140> in<00:02:49.260> the<00:02:49.379> ethics<00:02:49.620> of<00:02:49.800> the

fits or in the ethics of the

fits or in the ethics of the
manufacturing<00:02:50.519> even<00:02:51.239> still<00:02:51.480> I'm<00:02:51.780> definitely

manufacturing even still I'm definitely

manufacturing even still I'm definitely
not<00:02:52.260> into<00:02:52.500> wearing<00:02:53.040> any<00:02:53.160> brand<00:02:53.400> names

not into wearing any brand names

not into wearing any brand names
plastered<00:02:54.120> across<00:02:54.420> myself<00:02:54.599> if<00:02:55.260> you<00:02:55.379> were<00:02:55.500> to

plastered across myself if you were to

plastered across myself if you were to
remove<00:02:55.739> all<00:02:56.099> of<00:02:56.220> the<00:02:56.340> tags<00:02:56.700> and<00:02:56.879> all<00:02:57.000> the<00:02:57.120> logos

remove all of the tags and all the logos

remove all of the tags and all the logos
and<00:02:57.599> all<00:02:57.720> the<00:02:57.900> branding<00:02:58.260> most<00:02:58.739> people

and all the branding most people

and all the branding most people
couldn't<00:02:59.220> tell<00:02:59.459> the<00:02:59.580> difference<00:02:59.760> between<00:02:59.940> a

couldn't tell the difference between a

couldn't tell the difference between a
10<00:03:00.239> shirt<00:03:00.660> and<00:03:00.900> a<00:03:00.959> 100<00:03:01.080> shirt<00:03:01.500> and<00:03:01.800> I

10 shirt and a 100 shirt and I

10 shirt and a 100 shirt and I
personally<00:03:02.220> have<00:03:02.519> no<00:03:02.700> interest<00:03:02.879> in<00:03:03.120> spending

personally have no interest in spending

personally have no interest in spending
10<00:03:03.599> times<00:03:03.780> more<00:03:04.019> than<00:03:04.140> I<00:03:04.319> need<00:03:04.440> to<00:03:04.500> just<00:03:04.860> to

10 times more than I need to just to

10 times more than I need to just to
flex<00:03:05.280> I<00:03:05.940> don't<00:03:06.000> feel<00:03:06.120> like<00:03:06.300> I<00:03:06.420> need<00:03:06.540> to<00:03:06.660> own

flex I don't feel like I need to own

flex I don't feel like I need to own
very<00:03:07.019> much<00:03:07.200> to<00:03:07.440> live<00:03:07.560> a<00:03:07.680> good<00:03:07.800> life<00:03:07.980> and<00:03:08.280> so<00:03:08.400> I

very much to live a good life and so I

very much to live a good life and so I
don't<00:03:08.640> buy<00:03:08.819> things<00:03:09.060> that<00:03:09.239> I<00:03:09.360> don't<00:03:09.480> need<00:03:09.660> or

don't buy things that I don't need or

don't buy things that I don't need or
that<00:03:10.319> don't<00:03:10.500> provide<00:03:10.739> me<00:03:10.920> with<00:03:11.099> long-term<00:03:11.519> Joy

that don't provide me with long-term Joy

that don't provide me with long-term Joy
I<00:03:12.420> don't<00:03:12.599> tend<00:03:12.840> to<00:03:12.959> attach<00:03:13.260> a<00:03:13.440> sentimental

I don't tend to attach a sentimental

I don't tend to attach a sentimental
value<00:03:14.159> to<00:03:14.459> material<00:03:14.819> possessions<00:03:15.239> but<00:03:15.540> I<00:03:15.659> do

value to material possessions but I do

value to material possessions but I do
hold<00:03:16.080> a<00:03:16.260> deep<00:03:16.379> level<00:03:16.620> of<00:03:16.800> gratitude<00:03:17.280> and

hold a deep level of gratitude and

hold a deep level of gratitude and
appreciation<00:03:18.239> for<00:03:18.480> the<00:03:18.599> things<00:03:18.780> that<00:03:18.959> I<00:03:19.080> own

appreciation for the things that I own

appreciation for the things that I own
and<00:03:19.440> the<00:03:19.560> purpose<00:03:19.800> that<00:03:19.920> they<00:03:20.040> serve<00:03:20.340> if<00:03:20.940> you

and the purpose that they serve if you

and the purpose that they serve if you
take<00:03:21.180> care<00:03:21.360> of<00:03:21.480> your<00:03:21.599> belongings<00:03:21.959> and<00:03:22.200> you

take care of your belongings and you

take care of your belongings and you
treat<00:03:22.440> them<00:03:22.560> with<00:03:22.739> respect<00:03:23.040> even<00:03:23.340> inexpensive

treat them with respect even inexpensive

treat them with respect even inexpensive
things<00:03:24.180> can<00:03:24.420> last<00:03:24.599> you<00:03:24.780> a<00:03:24.959> very<00:03:25.080> long<00:03:25.260> time

things can last you a very long time

things can last you a very long time
even<00:03:25.980> when<00:03:26.159> it<00:03:26.280> comes<00:03:26.459> to<00:03:26.580> experiences<00:03:27.060> or

even when it comes to experiences or

even when it comes to experiences or
spending<00:03:27.599> time<00:03:27.720> with<00:03:27.840> friends<00:03:28.080> I<00:03:28.680> find<00:03:28.800> that

spending time with friends I find that

spending time with friends I find that
the<00:03:29.159> important<00:03:29.459> part<00:03:29.640> is<00:03:29.879> the<00:03:30.120> actual

the important part is the actual

the important part is the actual
spending<00:03:30.720> time<00:03:30.900> together<00:03:31.140> not<00:03:31.680> necessarily

spending time together not necessarily

spending time together not necessarily
the<00:03:32.280> activity<00:03:32.640> that<00:03:32.819> you're<00:03:32.940> doing<00:03:33.060> or<00:03:33.239> the

the activity that you're doing or the

the activity that you're doing or the
place<00:03:33.540> that<00:03:33.720> you're<00:03:33.840> doing<00:03:33.959> it<00:03:34.260> and<00:03:34.739> so<00:03:34.920> for

place that you're doing it and so for

place that you're doing it and so for
example<00:03:35.340> for<00:03:35.700> the<00:03:35.819> cost<00:03:35.940> of<00:03:36.120> one<00:03:36.360> all<00:03:36.540> you<00:03:36.659> can

example for the cost of one all you can

example for the cost of one all you can
eat<00:03:36.900> sushi<00:03:37.200> dinner<00:03:37.319> I<00:03:37.680> would<00:03:37.800> much<00:03:37.920> rather<00:03:38.159> go

eat sushi dinner I would much rather go

eat sushi dinner I would much rather go
out<00:03:38.459> and<00:03:38.640> buy<00:03:38.819> a<00:03:38.940> whole<00:03:39.000> bunch<00:03:39.120> of<00:03:39.300> groceries

out and buy a whole bunch of groceries

out and buy a whole bunch of groceries
and<00:03:39.780> have<00:03:39.959> like<00:03:40.140> five<00:03:40.379> friends<00:03:40.620> over<00:03:40.920> and<00:03:41.400> cook

and have like five friends over and cook

and have like five friends over and cook
them<00:03:41.819> a<00:03:42.000> really<00:03:42.120> good<00:03:42.360> meal<00:03:42.720> and<00:03:42.959> we<00:03:43.080> can<00:03:43.200> hang

them a really good meal and we can hang

them a really good meal and we can hang
out<00:03:43.560> and<00:03:43.860> eat<00:03:44.099> and<00:03:44.400> laugh<00:03:44.519> and<00:03:44.760> play<00:03:44.940> board

out and eat and laugh and play board

out and eat and laugh and play board
games<00:03:45.420> and<00:03:45.720> to<00:03:45.840> me<00:03:46.019> that's<00:03:46.379> so<00:03:46.620> much<00:03:46.739> more<00:03:46.980> fun

games and to me that's so much more fun

games and to me that's so much more fun
than<00:03:47.400> doing<00:03:47.640> something<00:03:47.940> like<00:03:48.239> an<00:03:48.420> escape<00:03:48.599> room

than doing something like an escape room

than doing something like an escape room
or<00:03:49.260> mini<00:03:49.440> golf<00:03:49.799> or<00:03:50.580> going<00:03:50.819> to<00:03:51.060> a<00:03:51.180> movie<00:03:51.360> and

or mini golf or going to a movie and

or mini golf or going to a movie and
just<00:03:51.840> spending<00:03:52.200> money<00:03:52.379> for<00:03:52.680> the<00:03:52.799> sake<00:03:52.920> of

just spending money for the sake of

just spending money for the sake of
spending<00:03:53.519> money

spending money

spending money
I<00:03:55.019> price<00:03:55.200> match<00:03:55.500> all<00:03:55.860> of<00:03:56.040> my<00:03:56.159> groceries<00:03:56.519> yes<00:03:57.120> I

I price match all of my groceries yes I

I price match all of my groceries yes I
am<00:03:57.540> totally<00:03:57.720> that<00:03:57.959> person<00:03:58.140> that<00:03:58.319> will<00:03:58.440> hold<00:03:58.560> up

am totally that person that will hold up

am totally that person that will hold up
the<00:03:58.799> grocery<00:03:58.980> store<00:03:59.220> line<00:03:59.459> just<00:03:59.760> to<00:03:59.879> save<00:04:00.060> 50

the grocery store line just to save 50

the grocery store line just to save 50
cents<00:04:00.540> on<00:04:00.720> a<00:04:00.840> cucumber<00:04:01.260> but<00:04:01.680> every<00:04:01.799> 50<00:04:02.040> cents

cents on a cucumber but every 50 cents

cents on a cucumber but every 50 cents
adds<00:04:02.700> up<00:04:02.760> and<00:04:03.000> by<00:04:03.180> price<00:04:03.360> matching<00:04:03.720> my

adds up and by price matching my

adds up and by price matching my
groceries<00:04:04.260> I'm<00:04:04.680> often<00:04:04.980> able<00:04:05.220> to<00:04:05.280> save

groceries I'm often able to save

groceries I'm often able to save
somewhere<00:04:05.819> between<00:04:06.000> five<00:04:06.299> and<00:04:06.480> twenty

somewhere between five and twenty

somewhere between five and twenty
dollars<00:04:06.900> per<00:04:07.080> grocery<00:04:07.260> trip<00:04:07.620> which<00:04:07.799> is<00:04:07.920> pretty

dollars per grocery trip which is pretty

dollars per grocery trip which is pretty
significant<00:04:08.519> I<00:04:09.180> also<00:04:09.420> have<00:04:09.480> a<00:04:09.540> bit<00:04:09.659> of<00:04:09.720> a<00:04:09.840> chip

significant I also have a bit of a chip

significant I also have a bit of a chip
on<00:04:10.140> my<00:04:10.260> shoulder<00:04:10.560> about<00:04:10.680> giving<00:04:10.920> more<00:04:11.220> money

on my shoulder about giving more money

on my shoulder about giving more money
than<00:04:11.580> necessary<00:04:12.000> to<00:04:12.239> the<00:04:12.420> billionaires<00:04:12.959> that

than necessary to the billionaires that

than necessary to the billionaires that
own<00:04:13.260> the<00:04:13.379> grocery<00:04:13.500> store<00:04:13.739> conglomerates<00:04:14.340> here

own the grocery store conglomerates here

own the grocery store conglomerates here
in<00:04:14.700> Canada<00:04:14.819> and<00:04:15.599> so<00:04:15.780> just<00:04:16.079> out<00:04:16.260> of<00:04:16.380> principle

in Canada and so just out of principle

in Canada and so just out of principle
alone<00:04:16.919> the<00:04:17.280> less<00:04:17.459> money<00:04:17.639> you<00:04:17.760> can<00:04:17.880> give<00:04:18.000> them

alone the less money you can give them

alone the less money you can give them
the<00:04:18.359> happier<00:04:18.840> I<00:04:19.019> am<00:04:19.199> I<00:04:19.859> go<00:04:19.979> around<00:04:20.100> my<00:04:20.340> house

the happier I am I go around my house

the happier I am I go around my house
and<00:04:20.760> unplug<00:04:21.060> everything<00:04:21.419> that<00:04:21.720> I<00:04:21.840> don't<00:04:21.959> use

and unplug everything that I don't use

and unplug everything that I don't use
on<00:04:22.500> a<00:04:22.620> regular<00:04:22.919> basis<00:04:23.340> I'm<00:04:23.820> not<00:04:23.940> really<00:04:24.060> sure

on a regular basis I'm not really sure

on a regular basis I'm not really sure
how<00:04:24.540> much<00:04:24.660> of<00:04:24.780> a<00:04:24.900> difference<00:04:25.020> that<00:04:25.259> makes<00:04:25.500> I'm

how much of a difference that makes I'm

how much of a difference that makes I'm
not<00:04:25.919> really<00:04:26.040> sure<00:04:26.340> how<00:04:26.820> much<00:04:26.940> energy<00:04:27.180> is<00:04:27.479> drawn

not really sure how much energy is drawn

not really sure how much energy is drawn
by<00:04:27.960> something<00:04:28.139> that's<00:04:28.380> plugged<00:04:28.680> in<00:04:28.800> but

by something that's plugged in but

by something that's plugged in but
turned<00:04:29.280> off<00:04:29.400> but<00:04:29.699> I<00:04:29.820> figure<00:04:30.000> once<00:04:30.360> again<00:04:30.419> it

turned off but I figure once again it

turned off but I figure once again it
all<00:04:30.780> adds<00:04:31.139> up<00:04:31.199> so<00:04:31.440> if<00:04:31.560> I<00:04:31.680> don't<00:04:31.800> use<00:04:31.919> it<00:04:32.040> on<00:04:32.280> a

all adds up so if I don't use it on a

all adds up so if I don't use it on a
reoccurring<00:04:32.820> basis<00:04:33.060> I<00:04:33.300> just<00:04:33.419> keep<00:04:33.540> it

reoccurring basis I just keep it

reoccurring basis I just keep it
unplugged<00:04:34.020> until<00:04:34.139> I<00:04:34.380> need<00:04:34.500> it<00:04:34.680> anytime<00:04:35.400> I'm

unplugged until I need it anytime I'm

unplugged until I need it anytime I'm
making<00:04:35.759> an<00:04:35.940> online<00:04:36.120> purchase<00:04:36.600> I<00:04:36.840> will<00:04:36.960> search

making an online purchase I will search

making an online purchase I will search
for<00:04:37.380> a<00:04:37.500> coupon<00:04:37.620> code<00:04:37.919> or<00:04:38.220> discount<00:04:38.400> before<00:04:38.759> I

for a coupon code or discount before I

for a coupon code or discount before I
put<00:04:39.120> through<00:04:39.300> the<00:04:39.479> order<00:04:39.660> and<00:04:40.380> whenever

put through the order and whenever

put through the order and whenever
possible<00:04:41.100> I<00:04:41.340> wait<00:04:41.460> for<00:04:41.639> a<00:04:41.820> sale<00:04:41.940> so<00:04:42.180> if

possible I wait for a sale so if

possible I wait for a sale so if
something's<00:04:42.660> not<00:04:42.780> completely<00:04:43.259> urgent<00:04:43.440> I'll

something's not completely urgent I'll

something's not completely urgent I'll
usually<00:04:43.860> just<00:04:43.979> wait<00:04:44.100> until<00:04:44.280> a<00:04:44.580> better<00:04:44.639> deal

usually just wait until a better deal

usually just wait until a better deal
comes<00:04:45.240> along<00:04:45.360> I'll<00:04:46.020> routinely<00:04:46.380> compare

comes along I'll routinely compare

comes along I'll routinely compare
prices<00:04:46.979> between<00:04:47.340> insurance<00:04:47.639> companies<00:04:48.120> for

prices between insurance companies for

prices between insurance companies for
my<00:04:48.419> house<00:04:48.540> insurance<00:04:48.780> and<00:04:49.080> car<00:04:49.259> insurance<00:04:49.500> and

my house insurance and car insurance and

my house insurance and car insurance and
also<00:04:50.220> for<00:04:50.400> the<00:04:50.580> internet<00:04:50.759> and<00:04:51.000> phone<00:04:51.240> company

also for the internet and phone company

also for the internet and phone company
just<00:04:51.840> to<00:04:51.960> make<00:04:52.020> sure<00:04:52.139> I'm<00:04:52.320> getting<00:04:52.440> the<00:04:52.620> best

just to make sure I'm getting the best

just to make sure I'm getting the best
deal<00:04:52.919> possible<00:04:53.340> and<00:04:53.639> I<00:04:53.759> have<00:04:53.880> absolutely<00:04:54.240> no

deal possible and I have absolutely no

deal possible and I have absolutely no
problem<00:04:54.840> with<00:04:55.320> pulling<00:04:55.620> my<00:04:55.740> contract<00:04:56.040> at<00:04:56.280> any

problem with pulling my contract at any

problem with pulling my contract at any
point<00:04:56.580> and<00:04:56.759> switching<00:04:57.060> to<00:04:57.180> another<00:04:57.360> brand<00:04:57.600> if

point and switching to another brand if

point and switching to another brand if
it's<00:04:58.020> going<00:04:58.139> to<00:04:58.199> save<00:04:58.320> me<00:04:58.440> a<00:04:58.620> few<00:04:58.680> bucks

it's going to save me a few bucks

it's going to save me a few bucks
another<00:04:59.580> thing<00:04:59.820> is<00:04:59.940> that<00:05:00.120> I<00:05:00.240> simply<00:05:00.479> just

another thing is that I simply just

another thing is that I simply just
don't<00:05:00.840> eat<00:05:01.080> at<00:05:01.259> restaurants<00:05:01.440> or<00:05:01.800> order

don't eat at restaurants or order

don't eat at restaurants or order
takeout<00:05:02.400> unless<00:05:02.820> I'm<00:05:03.120> actually<00:05:03.300> going<00:05:03.540> to

takeout unless I'm actually going to

takeout unless I'm actually going to
hang<00:05:03.840> out<00:05:04.020> with<00:05:04.139> somebody<00:05:04.320> and<00:05:04.560> it's<00:05:04.740> more<00:05:04.860> of

hang out with somebody and it's more of

hang out with somebody and it's more of
a<00:05:05.100> social<00:05:05.220> thing<00:05:05.460> if<00:05:05.940> it's<00:05:06.120> just<00:05:06.240> a<00:05:06.360> meal<00:05:06.660> for

a social thing if it's just a meal for

a social thing if it's just a meal for
myself<00:05:06.960> if<00:05:07.320> it's<00:05:07.500> just<00:05:07.620> about<00:05:07.800> being<00:05:08.040> lazy<00:05:08.460> I

myself if it's just about being lazy I

myself if it's just about being lazy I
just<00:05:08.820> don't<00:05:08.940> do<00:05:09.120> it<00:05:09.180> I<00:05:09.360> just<00:05:09.479> force<00:05:09.720> myself<00:05:09.900> to

just don't do it I just force myself to

just don't do it I just force myself to
come<00:05:10.380> home<00:05:10.560> and<00:05:10.919> cook<00:05:11.100> my<00:05:11.280> own<00:05:11.460> meals<00:05:11.699> because

come home and cook my own meals because

come home and cook my own meals because
it's<00:05:12.000> probably<00:05:12.180> going<00:05:12.360> to<00:05:12.479> be<00:05:12.540> better<00:05:12.720> and

it's probably going to be better and

it's probably going to be better and
honestly<00:05:13.259> it's<00:05:13.380> going<00:05:13.500> to<00:05:13.620> be<00:05:13.740> a<00:05:13.860> lot<00:05:13.979> cheaper

honestly it's going to be a lot cheaper

honestly it's going to be a lot cheaper
and<00:05:14.940> like<00:05:15.060> I<00:05:15.180> said<00:05:15.300> even<00:05:15.479> if<00:05:15.720> I'm<00:05:15.840> seeing

and like I said even if I'm seeing

and like I said even if I'm seeing
friends<00:05:16.259> I<00:05:16.680> often<00:05:16.860> prefer<00:05:17.100> just<00:05:17.280> to<00:05:17.400> host<00:05:17.580> them

friends I often prefer just to host them

friends I often prefer just to host them
here<00:05:17.940> than<00:05:18.120> to<00:05:18.240> go<00:05:18.360> out<00:05:18.419> to<00:05:18.540> a<00:05:18.660> restaurant

here than to go out to a restaurant

here than to go out to a restaurant
anyways<00:05:19.380> here's<00:05:20.040> a<00:05:20.100> pro<00:05:20.220> tip<00:05:20.520> for<00:05:20.639> you<00:05:20.759> I

anyways here's a pro tip for you I

anyways here's a pro tip for you I
actually<00:05:21.120> fill<00:05:21.360> my<00:05:21.600> dog's<00:05:21.900> medication

actually fill my dog's medication

actually fill my dog's medication
prescriptions<00:05:22.740> at<00:05:23.100> a<00:05:23.280> pharmacy<00:05:23.400> and<00:05:24.000> by<00:05:24.180> doing

prescriptions at a pharmacy and by doing

prescriptions at a pharmacy and by doing
so<00:05:24.539> I<00:05:24.720> save<00:05:24.840> about<00:05:25.080> 30<00:05:25.320> versus<00:05:25.919> actually<00:05:26.280> just

so I save about 30 versus actually just

so I save about 30 versus actually just
getting<00:05:26.639> the<00:05:26.880> medicine<00:05:27.000> from<00:05:27.360> the<00:05:27.479> vet

getting the medicine from the vet

getting the medicine from the vet
directly<00:05:28.080> a<00:05:28.680> lot<00:05:28.740> of<00:05:28.860> people<00:05:28.919> don't<00:05:29.160> realize

directly a lot of people don't realize

directly a lot of people don't realize
you<00:05:29.580> can<00:05:29.699> do<00:05:29.820> that<00:05:30.000> but<00:05:30.240> there<00:05:30.419> actually<00:05:30.600> are<00:05:30.780> a

you can do that but there actually are a

you can do that but there actually are a
lot<00:05:31.080> of<00:05:31.139> pharmacies<00:05:31.560> that<00:05:31.800> sell<00:05:32.039> pet

lot of pharmacies that sell pet

lot of pharmacies that sell pet
medications<00:05:32.699> and<00:05:33.180> actually<00:05:33.360> there's<00:05:33.600> a<00:05:33.780> lot

medications and actually there's a lot

medications and actually there's a lot
of<00:05:33.960> pet<00:05:34.139> prescriptions<00:05:34.620> that<00:05:34.860> are<00:05:34.979> actually

of pet prescriptions that are actually

of pet prescriptions that are actually
just<00:05:35.280> human<00:05:35.460> medications<00:05:36.479> okay<00:05:36.960> okay<00:05:37.199> so<00:05:37.440> none

just human medications okay okay so none

just human medications okay okay so none
of<00:05:37.740> these<00:05:37.860> things<00:05:37.979> are<00:05:38.100> all<00:05:38.220> that

of these things are all that

of these things are all that
controversial<00:05:38.880> here<00:05:39.300> let<00:05:39.539> me<00:05:39.660> tell<00:05:39.720> you<00:05:39.840> some

controversial here let me tell you some

controversial here let me tell you some
of<00:05:40.080> the<00:05:40.139> things<00:05:40.259> that<00:05:40.440> I<00:05:40.560> do<00:05:40.680> that<00:05:40.919> are<00:05:41.100> really

of the things that I do that are really

of the things that I do that are really
Frugal<00:05:41.639> or<00:05:41.940> maybe<00:05:42.120> even<00:05:42.300> cheap<00:05:42.600> pretty<00:05:43.500> much

Frugal or maybe even cheap pretty much

Frugal or maybe even cheap pretty much
every<00:05:43.860> day<00:05:44.039> I<00:05:44.280> heat<00:05:44.460> up<00:05:44.580> bread<00:05:44.759> for<00:05:45.000> lunch<00:05:45.180> I

every day I heat up bread for lunch I

every day I heat up bread for lunch I
take<00:05:45.539> it<00:05:45.660> out<00:05:45.780> of<00:05:45.840> my<00:05:45.960> fridge<00:05:46.080> or<00:05:46.440> my<00:05:46.560> freezer<00:05:46.919> I

take it out of my fridge or my freezer I

take it out of my fridge or my freezer I
wrap<00:05:47.400> it<00:05:47.580> in<00:05:47.639> aluminum<00:05:48.060> foil<00:05:48.360> and<00:05:48.539> I<00:05:48.600> stick<00:05:48.780> it

wrap it in aluminum foil and I stick it

wrap it in aluminum foil and I stick it
in<00:05:49.020> the<00:05:49.139> oven<00:05:49.259> for<00:05:49.440> a<00:05:49.560> few<00:05:49.680> minutes<00:05:49.800> and<00:05:50.340> I<00:05:50.460> will

in the oven for a few minutes and I will

in the oven for a few minutes and I will
save<00:05:50.759> that<00:05:51.000> piece<00:05:51.180> of<00:05:51.240> aluminum<00:05:51.600> foil<00:05:51.960> and<00:05:52.139> I

save that piece of aluminum foil and I

save that piece of aluminum foil and I
will<00:05:52.320> use<00:05:52.500> it<00:05:52.680> over<00:05:52.860> and<00:05:53.100> over<00:05:53.340> and<00:05:53.520> over<00:05:53.759> again

will use it over and over and over again

will use it over and over and over again
until<00:05:54.120> it<00:05:54.419> rips<00:05:54.660> because<00:05:55.259> I'm<00:05:55.560> just<00:05:55.740> heating

until it rips because I'm just heating

until it rips because I'm just heating
up<00:05:56.160> bread<00:05:56.340> and<00:05:56.699> that's<00:05:56.820> not<00:05:57.060> dirty<00:05:57.419> and<00:05:57.780> why

up bread and that's not dirty and why

up bread and that's not dirty and why
would<00:05:58.139> I<00:05:58.320> throw<00:05:58.440> it<00:05:58.560> out

would I throw it out

would I throw it out
I<00:06:00.120> also<00:06:00.360> wait<00:06:00.479> until<00:06:00.720> either<00:06:00.960> the<00:06:01.199> night<00:06:01.380> time

I also wait until either the night time

I also wait until either the night time
or<00:06:01.800> the<00:06:01.919> weekends<00:06:02.280> to<00:06:02.460> run<00:06:02.580> my<00:06:02.820> dishwasher<00:06:03.300> or

or the weekends to run my dishwasher or

or the weekends to run my dishwasher or
do<00:06:03.660> my<00:06:03.900> laundry<00:06:04.020> because<00:06:04.500> we<00:06:04.800> have<00:06:04.919> what<00:06:05.100> we

do my laundry because we have what we

do my laundry because we have what we
call<00:06:05.340> on<00:06:05.639> and<00:06:05.759> off<00:06:05.880> peak<00:06:06.240> time<00:06:06.419> here<00:06:06.600> for

call on and off peak time here for

call on and off peak time here for
electricity<00:06:07.259> and<00:06:07.560> it<00:06:07.740> is<00:06:07.860> cheaper<00:06:08.100> to<00:06:08.220> use

electricity and it is cheaper to use

electricity and it is cheaper to use
electricity<00:06:08.940> after<00:06:09.539> 7<00:06:09.780> P.M<00:06:10.139> or<00:06:10.259> on<00:06:10.380> the

electricity after 7 P.M or on the

electricity after 7 P.M or on the
weekends<00:06:10.800> so<00:06:10.979> I<00:06:11.100> just<00:06:11.220> make<00:06:11.400> sure<00:06:11.520> that<00:06:11.699> I<00:06:11.820> run

weekends so I just make sure that I run

weekends so I just make sure that I run
all<00:06:12.180> of<00:06:12.300> my<00:06:12.419> appliances<00:06:12.840> during<00:06:13.080> the<00:06:13.320> off-peak

all of my appliances during the off-peak

all of my appliances during the off-peak
hours<00:06:13.979> here's<00:06:14.699> one<00:06:14.820> that<00:06:14.940> I<00:06:15.060> think<00:06:15.120> is<00:06:15.240> a

hours here's one that I think is a

hours here's one that I think is a
little<00:06:15.479> bit<00:06:15.600> outside<00:06:15.780> the<00:06:16.080> box<00:06:16.199> if<00:06:16.560> there's<00:06:16.740> an

little bit outside the box if there's an

little bit outside the box if there's an
item<00:06:17.160> that<00:06:17.280> I<00:06:17.400> need<00:06:17.520> for<00:06:17.759> a<00:06:17.880> single<00:06:18.120> use<00:06:18.240> or

item that I need for a single use or

item that I need for a single use or
just<00:06:18.660> for<00:06:18.840> a<00:06:18.960> short<00:06:19.080> period<00:06:19.380> of<00:06:19.500> time<00:06:19.680> like<00:06:20.280> a

just for a short period of time like a

just for a short period of time like a
tool<00:06:20.759> of<00:06:20.880> some<00:06:21.060> sort<00:06:21.240> I<00:06:21.840> will<00:06:21.960> go<00:06:22.080> online<00:06:22.259> I

tool of some sort I will go online I

tool of some sort I will go online I
will<00:06:22.800> buy<00:06:22.979> that<00:06:23.160> item<00:06:23.460> second<00:06:23.699> hand<00:06:23.940> I'll<00:06:24.539> use

will buy that item second hand I'll use

will buy that item second hand I'll use
it<00:06:24.840> for<00:06:24.960> the<00:06:25.080> time<00:06:25.199> that<00:06:25.380> I<00:06:25.500> need<00:06:25.560> it<00:06:25.740> and<00:06:25.919> then

it for the time that I need it and then

it for the time that I need it and then
I<00:06:26.160> will<00:06:26.220> resell<00:06:26.580> it<00:06:26.759> for<00:06:26.880> the<00:06:27.000> exact<00:06:27.240> same

I will resell it for the exact same

I will resell it for the exact same
amount<00:06:27.600> that<00:06:27.720> I<00:06:27.900> paid<00:06:28.020> for<00:06:28.199> it<00:06:28.319> so<00:06:28.680> I'm

amount that I paid for it so I'm

amount that I paid for it so I'm
basically<00:06:29.039> getting<00:06:29.160> a<00:06:29.460> free<00:06:29.580> rental<00:06:29.819> that's

basically getting a free rental that's

basically getting a free rental that's
one<00:06:30.419> of<00:06:30.539> the<00:06:30.600> bonuses<00:06:30.960> of<00:06:31.080> buying<00:06:31.319> things<00:06:31.440> used

one of the bonuses of buying things used

one of the bonuses of buying things used
is<00:06:31.919> you're<00:06:32.220> already<00:06:32.400> accounting<00:06:32.819> for<00:06:32.940> the

is you're already accounting for the

is you're already accounting for the
depreciation<00:06:33.539> of<00:06:33.780> it<00:06:33.900> not<00:06:34.020> being<00:06:34.199> brand<00:06:34.440> new

depreciation of it not being brand new

depreciation of it not being brand new
anymore<00:06:34.800> so<00:06:35.520> yeah<00:06:35.699> if<00:06:35.819> I<00:06:36.000> buy<00:06:36.120> something<00:06:36.300> and<00:06:36.539> I

anymore so yeah if I buy something and I

anymore so yeah if I buy something and I
use<00:06:36.780> it<00:06:36.900> for<00:06:37.020> a<00:06:37.139> week<00:06:37.259> or<00:06:37.500> a<00:06:37.620> month<00:06:37.740> or<00:06:37.919> however

use it for a week or a month or however

use it for a week or a month or however
long<00:06:38.460> I<00:06:38.759> can<00:06:38.819> usually<00:06:39.000> just<00:06:39.120> resell<00:06:39.479> it<00:06:39.660> and

long I can usually just resell it and

long I can usually just resell it and
get<00:06:40.080> all<00:06:40.259> my<00:06:40.380> money<00:06:40.560> back<00:06:41.160> another<00:06:41.699> way<00:06:41.940> that<00:06:42.060> I

get all my money back another way that I

get all my money back another way that I
save<00:06:42.300> money<00:06:42.539> is<00:06:42.840> by<00:06:43.080> limiting<00:06:43.440> how<00:06:43.620> much<00:06:43.740> heat

save money is by limiting how much heat

save money is by limiting how much heat
I'm<00:06:44.100> using<00:06:44.340> during<00:06:44.580> the<00:06:44.759> winter<00:06:44.880> time<00:06:45.120> very

I'm using during the winter time very

I'm using during the winter time very
rarely<00:06:46.139> do<00:06:46.319> I<00:06:46.440> set<00:06:46.620> my<00:06:46.800> thermostat<00:06:46.919> above<00:06:47.460> 20

rarely do I set my thermostat above 20

rarely do I set my thermostat above 20
degrees<00:06:47.819> Celsius<00:06:48.180> because<00:06:48.960> you<00:06:49.259> know<00:06:49.380> what<00:06:49.440> if

degrees Celsius because you know what if

degrees Celsius because you know what if
I'm<00:06:49.919> cold<00:06:50.100> it<00:06:50.460> cost<00:06:50.580> me<00:06:50.819> nothing<00:06:51.000> to<00:06:51.240> just<00:06:51.360> put

I'm cold it cost me nothing to just put

I'm cold it cost me nothing to just put
on<00:06:51.600> another<00:06:51.780> sweater<00:06:52.139> I<00:06:52.500> don't<00:06:52.620> see<00:06:52.740> the<00:06:52.860> need

on another sweater I don't see the need

on another sweater I don't see the need
to<00:06:53.160> rack<00:06:53.340> up<00:06:53.460> a<00:06:53.639> huge<00:06:53.819> gas<00:06:53.940> bill<00:06:54.180> just<00:06:54.419> to<00:06:54.600> make

to rack up a huge gas bill just to make

to rack up a huge gas bill just to make
it<00:06:54.780> one<00:06:54.900> or<00:06:55.020> two<00:06:55.139> degrees<00:06:55.259> warmer<00:06:55.740> in<00:06:55.860> the

it one or two degrees warmer in the

it one or two degrees warmer in the
house<00:06:56.100> it<00:06:56.580> blows<00:06:56.880> my<00:06:57.000> mind<00:06:57.120> when<00:06:57.300> I<00:06:57.419> go<00:06:57.539> to

house it blows my mind when I go to

house it blows my mind when I go to
somebody<00:06:57.780> else's<00:06:58.139> house<00:06:58.319> over<00:06:58.500> the<00:06:58.740> winter

somebody else's house over the winter

somebody else's house over the winter
and<00:06:59.220> their<00:06:59.400> thermostat<00:06:59.580> is<00:07:00.000> set<00:07:00.120> to<00:07:00.300> like<00:07:00.479> 25

and their thermostat is set to like 25

and their thermostat is set to like 25
degrees<00:07:01.139> and<00:07:01.560> they're<00:07:01.740> walking<00:07:01.919> around<00:07:02.160> in

degrees and they're walking around in

degrees and they're walking around in
shorts<00:07:02.880> and<00:07:03.000> bare<00:07:03.360> feet<00:07:03.479> and<00:07:04.080> I'm<00:07:04.199> like<00:07:04.380> what

shorts and bare feet and I'm like what

shorts and bare feet and I'm like what
are<00:07:05.039> you<00:07:05.220> doing<00:07:05.460> are<00:07:06.300> all<00:07:06.419> these<00:07:06.660> things

are you doing are all these things

are you doing are all these things
reasonable<00:07:07.199> frugality<00:07:07.800> or<00:07:08.220> am<00:07:08.340> I<00:07:08.520> just<00:07:08.639> cheap

reasonable frugality or am I just cheap

reasonable frugality or am I just cheap
I<00:07:09.419> don't<00:07:09.479> know<00:07:09.600> you'll<00:07:09.840> have<00:07:09.960> to<00:07:10.080> tell<00:07:10.139> me<00:07:10.319> but

I don't know you'll have to tell me but

I don't know you'll have to tell me but
as<00:07:10.979> I<00:07:11.160> mentioned<00:07:11.340> earlier<00:07:11.639> I'm<00:07:12.060> definitely

as I mentioned earlier I'm definitely

as I mentioned earlier I'm definitely
not<00:07:12.539> cheap<00:07:12.720> with<00:07:12.960> other<00:07:13.139> people<00:07:13.319> and<00:07:13.680> I<00:07:13.860> think

not cheap with other people and I think

not cheap with other people and I think
that<00:07:14.039> that's<00:07:14.220> what's<00:07:14.400> most<00:07:14.639> important<00:07:15.000> if

that that's what's most important if

that that's what's most important if
somebody<00:07:15.780> comes<00:07:16.139> over<00:07:16.199> to<00:07:16.440> visit<00:07:16.560> and<00:07:16.860> they're

somebody comes over to visit and they're

somebody comes over to visit and they're
cold<00:07:17.220> I<00:07:17.520> will<00:07:17.639> turn<00:07:17.819> up<00:07:18.000> the<00:07:18.120> thermostat<00:07:18.240> for

cold I will turn up the thermostat for

cold I will turn up the thermostat for
them<00:07:18.720> I'm<00:07:18.900> not<00:07:18.960> going<00:07:19.080> to<00:07:19.199> just<00:07:19.319> make<00:07:19.440> them<00:07:19.560> sit

them I'm not going to just make them sit

them I'm not going to just make them sit
there<00:07:19.919> and<00:07:20.099> freeze<00:07:20.400> and<00:07:20.520> deal<00:07:20.639> with<00:07:20.819> it<00:07:21.000> if<00:07:21.479> I'm

there and freeze and deal with it if I'm

there and freeze and deal with it if I'm
going<00:07:21.720> to<00:07:21.840> visit<00:07:22.020> somebody<00:07:22.259> else<00:07:22.500> I<00:07:22.800> never

going to visit somebody else I never

going to visit somebody else I never
show<00:07:23.160> up<00:07:23.280> empty-handed<00:07:23.819> I'll<00:07:24.000> bring<00:07:24.180> food<00:07:24.419> or

show up empty-handed I'll bring food or

show up empty-handed I'll bring food or
I'll<00:07:24.780> bring<00:07:24.900> drinks<00:07:25.199> or<00:07:25.319> I'll<00:07:25.500> bring

I'll bring drinks or I'll bring

I'll bring drinks or I'll bring
something<00:07:25.860> just<00:07:26.160> to<00:07:26.280> show<00:07:26.460> my<00:07:26.639> appreciation

something just to show my appreciation

something just to show my appreciation
for<00:07:27.479> having<00:07:27.660> me<00:07:27.840> over<00:07:27.960> as<00:07:28.199> a<00:07:28.380> guest<00:07:28.500> and<00:07:29.160> like<00:07:29.340> I

for having me over as a guest and like I

for having me over as a guest and like I
mentioned<00:07:29.699> earlier<00:07:29.940> I'm<00:07:30.240> very<00:07:30.419> happy<00:07:30.599> to<00:07:30.780> have

mentioned earlier I'm very happy to have

mentioned earlier I'm very happy to have
my<00:07:31.139> friends<00:07:31.199> over<00:07:31.440> and<00:07:31.740> cook<00:07:31.860> elaborate<00:07:32.340> meals

my friends over and cook elaborate meals

my friends over and cook elaborate meals
for<00:07:32.759> them<00:07:32.880> and<00:07:33.060> I<00:07:33.180> never<00:07:33.300> expect<00:07:33.479> anybody<00:07:33.900> to

for them and I never expect anybody to

for them and I never expect anybody to
contribute<00:07:34.500> in<00:07:34.680> any<00:07:34.800> way<00:07:34.979> it's<00:07:35.160> just

contribute in any way it's just

contribute in any way it's just
something<00:07:35.460> I<00:07:35.639> like<00:07:35.759> to<00:07:35.880> do<00:07:36.000> for<00:07:36.180> them<00:07:36.360> so<00:07:36.780> I

something I like to do for them so I

something I like to do for them so I
guess<00:07:37.020> the<00:07:37.139> real<00:07:37.259> question<00:07:37.500> is<00:07:37.740> what<00:07:37.979> do<00:07:38.160> I

guess the real question is what do I

guess the real question is what do I
spend<00:07:38.520> money<00:07:38.699> on<00:07:38.880> what<00:07:39.120> am<00:07:39.240> I<00:07:39.360> okay<00:07:39.539> with

spend money on what am I okay with

spend money on what am I okay with
spending<00:07:40.199> on<00:07:40.319> a<00:07:40.500> little<00:07:40.560> bit<00:07:40.680> more<00:07:40.740> freely

spending on a little bit more freely

spending on a little bit more freely
there's<00:07:41.639> a<00:07:41.819> few<00:07:41.940> things

there's a few things

there's a few things
well<00:07:43.440> like<00:07:43.560> I<00:07:43.680> said<00:07:43.800> earlier<00:07:44.099> my<00:07:44.400> home<00:07:44.520> is

well like I said earlier my home is

well like I said earlier my home is
probably<00:07:44.880> on<00:07:45.060> the<00:07:45.180> top<00:07:45.300> of<00:07:45.419> this<00:07:45.539> list<00:07:45.720> I'm<00:07:46.259> a

probably on the top of this list I'm a

probably on the top of this list I'm a
big<00:07:46.500> homebody<00:07:46.860> I<00:07:47.160> spend<00:07:47.340> a<00:07:47.460> lot<00:07:47.580> of<00:07:47.639> time<00:07:47.819> here

big homebody I spend a lot of time here

big homebody I spend a lot of time here
and<00:07:48.720> I'm<00:07:48.900> also<00:07:49.139> somebody<00:07:49.259> who's<00:07:49.500> very<00:07:49.680> Visual

and I'm also somebody who's very Visual

and I'm also somebody who's very Visual
and<00:07:50.340> to<00:07:50.460> me<00:07:50.580> it's<00:07:50.759> very<00:07:51.000> important<00:07:51.300> to<00:07:51.419> have<00:07:51.599> a

and to me it's very important to have a

and to me it's very important to have a
home<00:07:51.840> that<00:07:52.080> is<00:07:52.199> both<00:07:52.380> comfortable<00:07:52.800> and

home that is both comfortable and

home that is both comfortable and
beautiful<00:07:53.340> and<00:07:53.880> I<00:07:54.000> find<00:07:54.120> a<00:07:54.300> lot<00:07:54.419> of<00:07:54.539> joy<00:07:54.840> in

beautiful and I find a lot of joy in

beautiful and I find a lot of joy in
interior<00:07:55.440> design<00:07:55.620> and<00:07:55.800> Decor<00:07:56.160> as<00:07:56.340> well<00:07:56.460> and<00:07:57.060> so

interior design and Decor as well and so

interior design and Decor as well and so
I<00:07:57.300> still<00:07:57.479> do<00:07:57.660> shop<00:07:57.840> on<00:07:58.139> sale<00:07:58.319> and<00:07:58.560> look<00:07:58.680> for

I still do shop on sale and look for

I still do shop on sale and look for
deals<00:07:59.280> but<00:07:59.639> my<00:07:59.819> home<00:08:00.000> is<00:08:00.180> something<00:08:00.360> that<00:08:00.660> I'm

deals but my home is something that I'm

deals but my home is something that I'm
very<00:08:01.020> happy<00:08:01.199> to<00:08:01.440> invest<00:08:01.740> money<00:08:01.979> into<00:08:02.160> because

very happy to invest money into because

very happy to invest money into because
it's<00:08:02.699> something<00:08:02.940> that<00:08:03.240> I<00:08:03.360> find<00:08:03.479> really

it's something that I find really

it's something that I find really
impacts<00:08:04.319> the<00:08:04.500> quality<00:08:04.800> of<00:08:04.919> my<00:08:05.039> life<00:08:05.220> on<00:08:05.400> a

impacts the quality of my life on a

impacts the quality of my life on a
day-to-day<00:08:05.819> basis<00:08:06.120> the<00:08:06.720> one<00:08:06.840> thing<00:08:07.020> that<00:08:07.139> I

day-to-day basis the one thing that I

day-to-day basis the one thing that I
would<00:08:07.319> say<00:08:07.440> that's<00:08:07.680> even<00:08:07.979> more<00:08:08.160> important<00:08:08.400> to

would say that's even more important to

would say that's even more important to
me<00:08:08.639> than<00:08:08.759> my<00:08:08.940> home<00:08:09.060> is<00:08:09.419> Levi<00:08:09.960> he's<00:08:10.500> my<00:08:10.800> son<00:08:10.919> he's

me than my home is Levi he's my son he's

me than my home is Levi he's my son he's
my<00:08:11.340> pride<00:08:11.520> and<00:08:11.699> joy<00:08:11.880> he's<00:08:12.060> the<00:08:12.180> yin<00:08:12.360> to<00:08:12.539> my<00:08:12.660> yang

my pride and joy he's the yin to my yang

my pride and joy he's the yin to my yang
and<00:08:13.259> I<00:08:13.500> will<00:08:13.680> stop<00:08:13.860> at<00:08:14.099> no<00:08:14.280> expense<00:08:14.580> to<00:08:14.880> make

and I will stop at no expense to make

and I will stop at no expense to make
sure<00:08:15.060> he<00:08:15.300> has<00:08:15.419> the<00:08:15.660> best<00:08:15.780> care<00:08:16.020> possible<00:08:16.380> I

sure he has the best care possible I

sure he has the best care possible I
make<00:08:17.280> his<00:08:17.400> food<00:08:17.580> from<00:08:17.759> scratch<00:08:17.940> using<00:08:18.360> the

make his food from scratch using the

make his food from scratch using the
highest<00:08:18.780> quality<00:08:19.020> ingredients<00:08:19.440> money<00:08:19.620> can

highest quality ingredients money can

highest quality ingredients money can
buy<00:08:20.039> he<00:08:20.460> only<00:08:20.580> gets<00:08:20.879> the<00:08:20.940> healthiest<00:08:21.300> treats

buy he only gets the healthiest treats

buy he only gets the healthiest treats
and<00:08:22.199> unfortunately<00:08:22.560> he<00:08:22.740> has<00:08:22.860> a<00:08:22.979> heart

and unfortunately he has a heart

and unfortunately he has a heart
condition<00:08:23.280> which<00:08:23.639> means<00:08:23.879> that<00:08:24.000> a<00:08:24.180> lot<00:08:24.240> of

condition which means that a lot of

condition which means that a lot of
money<00:08:24.479> is<00:08:24.720> spent<00:08:24.960> at<00:08:25.139> the<00:08:25.259> vet<00:08:25.379> and<00:08:25.560> on

money is spent at the vet and on

money is spent at the vet and on
medications<00:08:26.099> and<00:08:26.520> I'm<00:08:26.699> absolutely<00:08:27.120> anything

medications and I'm absolutely anything

medications and I'm absolutely anything
but<00:08:27.539> stingy<00:08:27.960> when<00:08:28.080> it<00:08:28.199> comes<00:08:28.379> to<00:08:28.440> that<00:08:28.620> I<00:08:29.099> want

but stingy when it comes to that I want

but stingy when it comes to that I want
to<00:08:29.280> make<00:08:29.400> sure<00:08:29.520> he<00:08:29.639> can<00:08:29.819> live<00:08:29.940> as<00:08:30.180> long<00:08:30.300> as

to make sure he can live as long as

to make sure he can live as long as
possible<00:08:30.720> and<00:08:31.020> be<00:08:31.139> as<00:08:31.319> happy<00:08:31.440> and<00:08:31.620> healthy<00:08:31.919> as

possible and be as happy and healthy as

possible and be as happy and healthy as
possible<00:08:32.399> and<00:08:33.120> so<00:08:33.300> I<00:08:33.599> know<00:08:33.719> that<00:08:33.959> his

possible and so I know that his

possible and so I know that his
medications<00:08:34.560> and<00:08:34.800> his<00:08:34.919> vet<00:08:35.099> bills<00:08:35.459> are<00:08:35.520> a<00:08:35.640> huge

medications and his vet bills are a huge

medications and his vet bills are a huge
expense<00:08:36.060> I<00:08:36.360> think<00:08:36.479> they're<00:08:36.659> actually<00:08:36.839> the

expense I think they're actually the

expense I think they're actually the
biggest<00:08:37.200> expense<00:08:37.620> that<00:08:37.800> I<00:08:37.919> have<00:08:38.039> on<00:08:38.219> a<00:08:38.279> yearly

biggest expense that I have on a yearly

biggest expense that I have on a yearly
basis<00:08:38.820> other<00:08:39.000> than<00:08:39.240> my<00:08:39.419> mortgage<00:08:39.719> itself

basis other than my mortgage itself

basis other than my mortgage itself
which<00:08:40.380> sounds<00:08:40.620> insane<00:08:41.159> but<00:08:42.000> it<00:08:42.300> is<00:08:42.419> what<00:08:42.599> it<00:08:42.719> is

which sounds insane but it is what it is

which sounds insane but it is what it is
and<00:08:43.560> I'm<00:08:43.740> certainly<00:08:43.979> not<00:08:44.099> going<00:08:44.219> to<00:08:44.279> deprive

and I'm certainly not going to deprive

and I'm certainly not going to deprive
him<00:08:44.760> of<00:08:44.880> care<00:08:45.060> just<00:08:45.300> to<00:08:45.420> save<00:08:45.540> a<00:08:45.720> few<00:08:45.779> bucks

him of care just to save a few bucks

him of care just to save a few bucks
something<00:08:46.800> else<00:08:47.040> that<00:08:47.220> I'm<00:08:47.339> willing<00:08:47.519> to<00:08:47.580> spend

something else that I'm willing to spend

something else that I'm willing to spend
good<00:08:48.000> money<00:08:48.120> on<00:08:48.300> is<00:08:48.480> what<00:08:48.660> I<00:08:48.779> call<00:08:48.839> stress

good money on is what I call stress

good money on is what I call stress
prevention<00:08:49.500> so<00:08:49.920> in<00:08:50.160> particular<00:08:50.459> for<00:08:50.640> me<00:08:50.760> that

prevention so in particular for me that

prevention so in particular for me that
means<00:08:51.180> having<00:08:51.300> a<00:08:51.480> reliable<00:08:51.779> car<00:08:52.019> and<00:08:52.320> a

means having a reliable car and a

means having a reliable car and a
reliable<00:08:52.740> phone<00:08:52.980> especially<00:08:53.640> because<00:08:53.820> I<00:08:54.060> use

reliable phone especially because I use

reliable phone especially because I use
both<00:08:54.420> of<00:08:54.540> those<00:08:54.660> things<00:08:54.839> for<00:08:55.080> work<00:08:55.260> having

both of those things for work having

both of those things for work having
something<00:08:56.220> that's<00:08:56.399> unreliable<00:08:56.940> or<00:08:57.180> that

something that's unreliable or that

something that's unreliable or that
doesn't<00:08:57.420> do<00:08:57.600> what<00:08:57.720> I<00:08:57.839> needed<00:08:58.019> to<00:08:58.140> do<00:08:58.260> is<00:08:58.560> just

doesn't do what I needed to do is just

doesn't do what I needed to do is just
not<00:08:58.980> an<00:08:59.160> option<00:08:59.399> and<00:09:00.000> of<00:09:00.120> course<00:09:00.240> something

not an option and of course something

not an option and of course something
I'm<00:09:00.660> always<00:09:00.839> willing<00:09:01.140> to<00:09:01.200> invest<00:09:01.440> in<00:09:01.560> is

I'm always willing to invest in is

I'm always willing to invest in is
healthy<00:09:02.220> food<00:09:02.339> like<00:09:02.760> I<00:09:02.880> mentioned<00:09:03.120> I<00:09:03.300> do<00:09:03.420> price

healthy food like I mentioned I do price

healthy food like I mentioned I do price
match<00:09:03.839> I<00:09:04.080> do<00:09:04.200> shop<00:09:04.380> for<00:09:04.620> sales<00:09:04.800> but<00:09:05.459> eating

match I do shop for sales but eating

match I do shop for sales but eating
healthy<00:09:06.120> food<00:09:06.240> is<00:09:06.420> important<00:09:06.720> to<00:09:06.899> me<00:09:06.959> and<00:09:07.200> so<00:09:07.320> I

healthy food is important to me and so I

healthy food is important to me and so I
would<00:09:07.620> much<00:09:07.740> rather<00:09:07.980> spend<00:09:08.339> a<00:09:08.459> little<00:09:08.580> bit

would much rather spend a little bit

would much rather spend a little bit
more<00:09:08.760> on<00:09:08.940> something<00:09:09.180> that's<00:09:09.360> good<00:09:09.540> for<00:09:09.720> me

more on something that's good for me

more on something that's good for me
than<00:09:10.080> a<00:09:10.260> little<00:09:10.320> bit<00:09:10.440> less<00:09:10.560> than<00:09:10.740> something

than a little bit less than something

than a little bit less than something
that's<00:09:11.100> bad<00:09:11.339> for<00:09:11.519> me<00:09:11.640> I<00:09:12.180> also<00:09:12.420> look<00:09:12.540> at<00:09:12.660> it<00:09:12.779> as

that's bad for me I also look at it as

that's bad for me I also look at it as
junk<00:09:13.260> food<00:09:13.440> causes<00:09:13.800> my<00:09:13.980> skin<00:09:14.100> to<00:09:14.220> break<00:09:14.339> out

junk food causes my skin to break out

junk food causes my skin to break out
and<00:09:14.820> fruits<00:09:15.180> and<00:09:15.240> vegetables<00:09:15.600> will<00:09:15.779> always<00:09:15.959> be

and fruits and vegetables will always be

and fruits and vegetables will always be
cheaper<00:09:16.440> than<00:09:16.560> sit<00:09:16.860> cream<00:09:16.980> so<00:09:17.519> it<00:09:18.120> is<00:09:18.240> what<00:09:18.360> it

cheaper than sit cream so it is what it

cheaper than sit cream so it is what it
is<00:09:19.019> Frugal<00:09:19.680> Living<00:09:19.860> isn't<00:09:20.279> something<00:09:20.399> I<00:09:20.640> think

is Frugal Living isn't something I think

is Frugal Living isn't something I think
a<00:09:20.880> lot<00:09:21.000> about<00:09:21.120> on<00:09:21.420> a<00:09:21.540> daily<00:09:21.660> basis<00:09:22.019> to<00:09:22.560> me<00:09:22.680> it's

a lot about on a daily basis to me it's

a lot about on a daily basis to me it's
kind<00:09:23.040> of<00:09:23.160> just<00:09:23.279> an<00:09:23.459> instinctive<00:09:23.820> way<00:09:24.060> to<00:09:24.240> live

kind of just an instinctive way to live

kind of just an instinctive way to live
my<00:09:24.600> life<00:09:24.779> it's<00:09:25.200> a<00:09:25.380> habit<00:09:25.680> it's<00:09:26.279> a<00:09:26.399> way<00:09:26.519> that<00:09:26.700> I

my life it's a habit it's a way that I

my life it's a habit it's a way that I
set<00:09:26.940> myself<00:09:27.120> up<00:09:27.360> to<00:09:27.660> achieve<00:09:27.959> the<00:09:28.080> things<00:09:28.260> I

set myself up to achieve the things I

set myself up to achieve the things I
want<00:09:28.560> to<00:09:28.680> achieve<00:09:29.040> and<00:09:29.339> ultimately<00:09:29.640> it's<00:09:29.880> a

want to achieve and ultimately it's a

want to achieve and ultimately it's a
means<00:09:30.240> to<00:09:30.360> an<00:09:30.480> end<00:09:30.600> if<00:09:31.200> you<00:09:31.260> consider<00:09:31.560> yourself

means to an end if you consider yourself

means to an end if you consider yourself
to<00:09:31.980> be<00:09:32.100> a<00:09:32.220> Frugal<00:09:32.519> person<00:09:32.700> I'm<00:09:33.060> very<00:09:33.180> curious

to be a Frugal person I'm very curious

to be a Frugal person I'm very curious
to<00:09:33.540> know<00:09:33.660> if<00:09:33.779> you<00:09:33.899> have<00:09:34.019> any<00:09:34.140> tips<00:09:34.380> or<00:09:34.560> tricks

to know if you have any tips or tricks

to know if you have any tips or tricks
you<00:09:34.920> use<00:09:35.040> to<00:09:35.220> save<00:09:35.339> money<00:09:35.580> and<00:09:35.880> if<00:09:36.000> you're

you use to save money and if you're

you use to save money and if you're
somebody<00:09:36.360> who<00:09:36.779> is<00:09:36.899> actively<00:09:37.320> trying<00:09:37.440> to<00:09:37.560> be

somebody who is actively trying to be

somebody who is actively trying to be
more<00:09:37.860> frugal<00:09:38.220> I'd<00:09:38.700> like<00:09:38.820> to<00:09:38.940> know<00:09:39.000> what

more frugal I'd like to know what

more frugal I'd like to know what
category<00:09:39.660> of<00:09:39.839> spending<00:09:40.140> you<00:09:40.320> tend<00:09:40.500> to

category of spending you tend to

category of spending you tend to
struggle<00:09:40.860> with<00:09:40.920> the<00:09:41.160> most<00:09:41.279> if<00:09:42.120> you<00:09:42.180> enjoyed

struggle with the most if you enjoyed

struggle with the most if you enjoyed
this<00:09:42.600> video<00:09:42.720> please<00:09:43.019> consider<00:09:43.380> liking<00:09:43.740> and

this video please consider liking and

this video please consider liking and
subscribing<00:09:44.279> I'm<00:09:44.700> going<00:09:44.820> to<00:09:44.880> leave<00:09:45.060> a<00:09:45.180> link<00:09:45.360> to

subscribing I'm going to leave a link to

subscribing I'm going to leave a link to
some<00:09:45.720> other<00:09:45.839> similar<00:09:46.200> videos<00:09:46.380> I've<00:09:46.620> made<00:09:46.800> over

some other similar videos I've made over

some other similar videos I've made over
here<00:09:47.220> for<00:09:47.399> you<00:09:47.519> so<00:09:47.640> you<00:09:47.820> can<00:09:47.880> check<00:09:48.000> those<00:09:48.180> out

here for you so you can check those out

here for you so you can check those out
as<00:09:48.540> well<00:09:48.720> thank<00:09:49.260> you<00:09:49.380> so<00:09:49.500> much<00:09:49.620> as<00:09:49.920> always<00:09:50.100> for

as well thank you so much as always for

as well thank you so much as always for
watching<00:09:50.700> and<00:09:50.940> I<00:09:51.060> will<00:09:51.180> see<00:09:51.300> you<00:09:51.420> next<00:09:51.540> week

foreign

foreign
[Music]