How I Manage My Money On A Low Income (Budgeting + Saving)

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Title	:	How I Manage My Money On A Low Income (Budgeting + Saving)
Lasting	:	15.38
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Comment from : Austin Williams

love your energy, thanks for sharing :)
Comment from : Maria Rojikova

Adapt to a lifestyle, be thrifty, set a budget, save money, and make investments to live within your means I benefited from this as a six-figure income With this strategy, my retirement savings have increased by almost $1 million
Comment from : Sean Roger

Yes interesting 😊
Comment from : Deanne Mackness

gas my money is going to gas
Comment from : MBTI

This information needs to get out to high school kids before they get roped into taking out $75,000 in student loans for a Masters in Expressive Dance only to land a job as a cart cowboy at Walmart making $11 an hour
Comment from : Fran59

Where the hell can I find $650 rent???
Comment from : Mihai Viteazu

Austin/All, I have a basic question regarding YouTube earnings As we all know all content creators want viewers to SUBSCRIBE to their channel, my question is: Do content creators get paid based on how many subscribers they have, or based on how many views they get? PS - I'm not totally stupid, I realize the more subscribers one has the more potential views a video might get but I just wanted to know the honest answer to my question above, thanks to anyone who honestly knows and can explain it in a clear and simple way for me Cheers :)
Comment from : Mark Manea

I also have a spending account and a savings, but I have 2 investment account due to differences in fees I always have last months pay on my spending account when the next comes in I have automated referrals to my investments and saving accounts and payment of my fixed expenses I know by heart what my expenses are and when they are due I get paid monthly but every week I have a referral from my spending account to my saving account I started some months ago just for fun but it turned out to be a great idea as I do not "feel" I lack the money as I would have if I had referred the full amount in the beginning of the month That's why I do it like this now I often work a little extra These money goes into dividend stock, but my main investments are in ETFs I am saving for early retirement In my country (Denmark) the retirement age is 68 I want to retire 4 years earlier
Comment from : Dorte

For all the incredible added value you provide, you really deserve a much higher income
Comment from : Michael Broeckhuyzen

Love this step by step video! Thank you ❤
Comment from : Amy K

Do you have a car payment?
Comment from : DC

Thx ❤❤❤❤
Comment from : DC

tysm ❤
Comment from : ItsLiterallyChris

$300 rent br$300 electricity/interent br$300 food brmy incomes are about $900 per month
Comment from : House Station Live com

i thought that frugal living was about earning zero and spending zero 😂bryou have a $700 rent, you're not "vanlife in the middle of nowhere" kinda person?brthere is an excellent channel (living big in tiny house) talking about space management
Comment from : House Station Live com

is xvideos unecessary subscription when you don't have a girlfriend? 😂
Comment from : House Station Live com

Is this really low income though? I have 30 of this a month (roughly $750USD) after rent and I still put a larger portion into savings and live comfortably Maybe I’m just more frugal than I though 😅
Comment from : Isabelle Houghton

Thank you soo much for these videos ❤️ I am 30 and just now learning about money and personal finance because it just was never talked about And I really appreciate you taking the time to share your knowledge and resources -Kira
Comment from : Kira

I admire you 👍Thanks for this video (and many others)
Comment from : Hunter Phan

You are and have been a wonderful teacher
Comment from : niki claypool

I subscribed! Ty for your honesty! brI'm assuming you rent a room with $700 rent and $100 bills? That's super cheap
Comment from : Crystal Don

Hot take savings tip I discovered: PAY for shipping If you truly need to order something online, it’s never a “savings” to spend more than you have to in order to get free shipping Better to pay $5 to ship a $10 book than spend $35 to get “free” shipping Yes, you get value from free shipping but not by spending $20 more than you have to
Comment from : Big Philly

I need to quit smoking cigars They’re $8-$10/pop and are my second biggest expense after groceries
Comment from : Big Philly

I pay my utilities with my credit card water ,gas and electric
Comment from : Brenda Roca

I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Mrs Philine Weahdi🏯
Comment from : Roberto Garry Hills

Creating wealth and gaining financial freedom isn’t as difficult as lots of people think Through the right information, building wealth and staying financially stable forever is way easy Investing is the only true way to earn a great income and staying wealthy forever
Comment from : Deborah Wilson

I'm from the UK, spent my life earning 1400 a month or less! I've recently moved away, changed career & on the way to paying down debt like crazy I am wondering if its worth doing a 1 off episode like a blog I think it MIGHT make some people think, hey, maybe I'm not stuck forever 🤷‍♂️ I'm not too proud or ashamed to use my own numbers tbh
Comment from : Enis

Credit card's annual fee offsets any rebates received from transactions 🥺
Comment from : Alex Crispin

Just got laid off and am now trying to become a professional illustrator, so this comes at the perfect time, even though I already know all this stuff haha
Comment from : Karen Wang

Have 2 credit cards in case 1 bank's computer system goes down Also, have some cash in case electricity goes out
Comment from : bank on it

Lol 😂 real jobs nah
Comment from : Melinda Poullion

Great video but 2500 is not low income
Comment from : Charlene Green

Up until 6 months ago, my monthly take home pay was a bit less than yours and I got by using a lot of these money management methods as well My rent was $1,000 a month and utilities were another $150 so that alone was half my take home pay But I always have lived pretty frugally so I was just fine I guess never thought of myself as low income during that time- just on a tight budget I think of low income as qualifying for gov assistance like Medicaid, food stamps, etc
Comment from : Annika Carlson

I am new to your channel and all I can say is my my my Excellent video and breakdown of budgeting and saving This is just what I needed Thank you! Keep them coming
Comment from : Alnesha Jackson

Excellent video Austin! Keep it simple 👍🏴󠁧󠁢󠁷󠁬󠁳󠁿
Comment from : Rachel Walsh

I just love this video ❤agustine!!! Do more of frugal lifestyle
Comment from : Lakwatserang Morena!!

I liked your video! Pulled a lot of practical tips from it :)
Comment from : Sarah

You need to stop saying :Low income “ 😂 2500$ is nowhere near low income…
Comment from : Alisa Karacic

How do you pay rent?
Comment from : Jon Heredia

This was interesting, but it would be nice if you weren't so redundant Watch it yourself, you repeat yourself way too much and it's wasting time
Comment from : Wendy W

Dear hit on the nail sharp
Comment from : Magnet Magnetic generation

👍 please make video low,income with cash only
Comment from : Dominique Ross

Sure men can save money 💰 women who have to do groceries have to spend more
Comment from : Tessa Williams

Yes Absolutely I would love this opportunity to be able to come up with a budget and not go over at all I am out of debt free from that now as of September and I am getting my starter fund ready
Comment from : Alisa Woods

Thank you
Comment from : Zeus

For the algorithm
Comment from : _Aaliyah K C

You call it low income I wish I earned this much😅
Comment from : Aleksandra Koc

Good video I appreciate your work
Comment from : C Frahmy

You forgot to factor in taxes for your self employment
Comment from : Bisong Art Gallery

I like the way you explain your information You were elaborate and detailed You gave me hope
Comment from : Priscilla Jackson

What an useful video, first time I see this person New subscriber here from Algeria❤❤
Comment from : Moulay Omar

This is excellent advice and a great video 👏🏽 thank you
Comment from : Mel E

REALLY?????? You are trusting the corrupt banking system 100 to protect b**ALL**/b OF your money?????? JEEEZ you should be smarter than this! brbrAt least buy some tangible assets and/or gold and silver and hide it / bury it in a secret place Fiat money is NOT going to have value much longer TRUST that, get informed
Comment from : PRIVATE NAME

60,000 investments ? 15,000 savings ? time to switch off !!
Comment from : jeannie mullinder

That was wonderful, so informative! How kind of you to reveal your personal budget in order to help us! Thank you so much!🎉
Comment from : Ellis Frazier

Thanks for your honesty Austin
Comment from : Tamara McGuire

Thank you for the tips, one question, when you say pay off your credit card, do you mean pay off the current balance on it or the statement balance, I wonder since some people say letting newer transactions go to the next statement is good to build credit of course keeping it lower than 30, I would appreciate your answer if you know what I meanbrThanks
Comment from : tec858606

I love this easy and simple video
Comment from : Racheal Selvarani James

One question regarding credit 🙆🏻‍♀️ whenever I pay back full balance my credit score goes lower🫤
Comment from : arifa ghazi

Just do calculate your expenses and take out that much cash 🙆🏻‍♀️ and imagine thát that’s only money you have😑 that’s what i do
Comment from : arifa ghazi

This was great! I’m low income but I know I can scrape some savings together each month I’m encouraged by these types of videos Now, on to building wealth with low income
Comment from : Jamie Julius

I love watching videos like this, because I need the continous motivation to be more diligent about paying myself first, and rebuild my savings that was lost during the time that I was laid off during the pandemic, and the expense of a couple of car repairs I've always lived below my means, and even when I had much better paying jobs, I didn't get sucked into the mentality of lifestyle creep/inflation Even so, emergencies arise, and it was nice to have my savings as a buffer to take care of what was needed
Comment from : Rachel G

Yes to more budgeting videos
Comment from : Scott Tea

Bro love how down to earth you are Great content too
Comment from : Jayan Samir Verma

I do the same thing! It's easier for me to track my spending by swiping just my credit card (yes, I have a few withdrawing from my bank directly, but I know what they are) However, I would like to invest--even if just a little--and allow it to grow for my children I hope you have other videos on just that If not, please do a video on how you invest, please :)
Comment from : Lysa Shimkus

Love this format Very well done Would love to see more step by step videos I really enjoyed this one I’m going to save it to watch again later I would really like to know some details on how you spend like for groceries, gas and misc 😊
Comment from : Diane C

Some insurance plans,utilities Will charge you less if you pay aheadalso some services will give you a discount if you pay with cash or at least you can forgo the (usually 3credit card usage charge)
Comment from : shakti

Keeping checking below 2000$ is a great idea thx
Comment from : Welder B1 Family

Do you just pull all your debits from your cheque and credit card to fill in your expense tracker sheet?
Comment from : hasole

I’m new to your channel Nice job!
Comment from : kae Ros

Austin,you become genuine financial guru not by books but by personal valuable experienceStay blessed
Comment from : VKA

that's a good amount after taxes for being self employed
Comment from : TEXAS NASHVILLE

Excellent topic, Austin Saving is the key to a good future in the meantime yes, work, and be a contributor 👍👍 😘
Comment from : RETIREMENT BOOT CAMP Off-gridAZ

Thanks for posting, great video about budgeting! brI have the opposite problem with my spending account I can’t bring myself to buy the things I want/ maybe need I’ll put things off for as long as possible 😅
Comment from : Ariella Elisa

Thank you for the tracker I will definitely utilize it I do have a budget love writing it on paper but the tracker is so pretty and I think will keep things in one place more tidy also, I just subscribed love your easy manner and that you speak Spanish not that I do I’m learning, the language sorry took me a while to get here but I just subscribed and would like for you to do a video about cell phones I’m still using one that’s costing I feel like it’s way too much I will also look at your playlist you may have done this already Thank you again
Comment from : D Walker

Very well done thank you I hope a lot of young folks will see this
Comment from : D Walker

In times of crisis, I've seen folks accumulate up to $800K and even pull it off without any difficulty If you are early educated and equipped, every crash or collapse carries an equivalent market possibility The boom or crash will undoubtedly make someone extremely wealthy
Comment from : Evelyn Hayes

I have interest free loan/card of £5000 pay back in a year but my monthly £300 payments are crippling how best should I deal with this even if I throw more cash at the payments will always be £500 till paid advice please
Comment from : Andrene Cox

What about grocery? How much do you spend on food per month?
Comment from : ᎽᎯℕᎯ🌷

My unnecessary spending is DoorDash Because, ironically, after working long days, I’m too tired to make a sandwich
Comment from : Jae Ess

I have a similar strategy except I use two banks I travel a lot and had my debit card hacked when I was in Spain I contacted my bank to resolve the situation and get a replacement card sent to me What I didn't realize is they freeze ALL your accounts so I was unable to use my credit card or access my savings either Luckily, I had another credit card from a different bank I could use in the interim because it took 2 weeks to get the new card and have my accounts unfrozen Don't put all your eggs (ie your money) in one basket
Comment from : Linda Dorman

2400 is not a low income That's not even the income of supervisors or even managers in tha Philippine brButgood insights for saving
Comment from : Schicks

If 2500 is low income I’m screwed
Comment from : Ethan Christensen

Where can you find a $700 a month rent these days?
Comment from : Pauline Hillson

Hey Austin, what you’re saying sounds good but also the reality that not everybody is hugely successful on YouTube is another situation! It doesn’t seem like many people even start to get any kind of sponsors until they reach a certain point a minimum from what I’ve seen of 10,000 on YouTube as subscribers, and sometimes not until a lot more subscribers! Another thing is a lot of people in the same genre are all trying to do the same thing even though the budgets different the style of budgeting is different and the method in which you budget and how much you have to budget is also different there are people who just luckily will gain more subscribers than others I’ve seen this time and time again where One person will upload the same amount of videos consistently as another YouTube, or one person will get 10,000 views where another YouTuber we’re only get 500 views! It’s not always the rhythm or algorithm of YouTube either I have seen so many good Youtubers I think sometimes are better than those in the higher brackets with the more subscribers and I could never have been able to seem to understand, and or put a finger on what exactly someone does, in order to gain so many subscribers so fast! For example, I know a YouTuber that is in the 30 K range, and this YouTuber is amazing But sometimes this YouTuber is all over the place and literally doesn’t have a clue and is not consistently uploading at this time I know another YouTuber that has less than 2000 subscribers is consistently uploading has great content and a great Etsy shop and she doesn’t make squad compared with the other YouTuber does but she’s consistently uploading and putting out great content, and I really love her channel more than I do the more popular YouTuber! I really wonder what it actually is is it the editing process, is it the photos the thumbnails seem to drag people into a video or the catchy titles even people I’ve seen they have great photos for their thumbnails, and have a great content and great editing skills sometimes don’t get the bigger amount of subscribers Always been a wonderful a lot of people Have this exact same question!br2:18
Comment from : Without Limits Budgets With AarynLynn

Great video Austin, thank you ❤❤
Comment from : Shirley Liggett

I feel bad for people that live in Chicago New York San Francisco and LA A one bedroom is $3000 a month SMH
Comment from : Akida Taylor

Austin I do like this step by step video!
Comment from : Darlene Paul

In many European countries, banks charge monthly fees, or fees on transactions, even very simple ones 😒 It is annoying because they make so much money and some ceo's make insane amounts of money
Comment from : hazelnutbix