13 Everyday Things You Should Really Stop Paying For | The Financial Diet

Hey, guys. It’s Chelsea from The Financial
Diet with some new short hair. And this week’s video is
brought to you by FreshBooks. So today I kind of want
to hop right into it because I wanted to put together
a list of everyday items that we’re used to
spending money on, that we almost think is
kind of obligatory expenses, but are super easy to
cut out in our budgets. Now granted, you might
not be spending money on every single
one of these items, but chances are there’s at
least one or two that you could cut out right away. So let’s get right into it. Here are 13 everyday
items you should really stop spending money on. Number one is the
most obvious, and that is individual bottles of water. Get the Brita filter. And if you like sparkling
water, like myself, get the SodaStream. Not only is it
pennies on the dollar to fill your own water
bottle, but it’s also way, way better for the environment. And yes, we all
generally know this, but it always bears repeating. And for further incentive,
you can get yourself a really cute water bottle. Number two is expired food. So here’s a fun fact. There’s actually no uniform
government regulation on how food companies
are required to label their sell by dates,
their good until dates, et cetera. For example, with milk, it’s
a state by state regulation, and there are many
states that don’t even have a mandatory
regulation on dating milk. And because these are
very arbitrary standards in a lot of cases, put
yourself in the mind of the food company. They want you to buy
more of these items at a faster rate, which
means that the sell by dates on these products are often
way too early if they’re not totally unnecessary period. On average, if food
is stored properly, you can almost double
the average sell by date. And for things like
raw meat and fish, you can put them in the freezer
to store for months at a time if you don’t think you’ll
use them right away. We’ve included a link below
to a handy database that will give you a really good idea
of how long each food item can be kept past their sell by date. Stop wasting money on
unnecessary replacements for food. Number three is all of
the unlimited passes and memberships for
things that you’re not getting your money’s worth on. This is everything from gym
classes to public transport to Amazon Prime to Costco. Anything where you’re
getting a membership that allows you to do something
in an unlimited fashion, but you’re not doing it
enough to justify the price. For example, Holly,
our managing editor, used to pay for the unlimited
subway pass here in New York. It cost about $120. But she did the
math and realized that she was only
using about $75 worth of that pass every month. So now she just pays per ride. On the other hand,
for example, I use the hell out of my
Amazon Prime membership, and it’s totally worth
it in terms of shipping. But you might be someone who
almost never orders off Amazon so that $100 yearly
fee is not worth it. Just make sure that you don’t
automatically think unlimited means the best deal possible. Actually do the math
on how much you use it. Number four is
excessive paper towels. We encourage you to limit
yourself to one roll every two weeks. There are obviously
certain times when you’re going to
have to use paper towels, so we’re not saying
never use them. But there are things like
cleaning surfaces where you should not be using
them because that’s how you unnecessarily waste
rolls and rolls of it. We recommend you grab yourself a
sturdy reusable pack of kitchen rags to do everything from
wipe down counters to dust to just clean up when
something accidentally spills. It’s better for the
environment, and it’s also way cheaper in the long run. Number five is data
overages on your cell phone. There’s a couple
pronged checklist that you should follow to
make sure that you’re always getting the most out
of your phone plan and never unnecessarily
burning through data. A, make sure you are always
connected to your Wi-Fi when you’re home. You have to recheck it every
so often because sometimes it will just disconnect. B, if you want to
listen to something like a playlist or a
podcast while you’re out and about
during the day, make sure to download it
offline when you’re at home so that you don’t have to burn
through data listening to it. And C, if you’re spending a long
time in like a cafe or a bar and might go online,
make sure to see if they have Wi-Fi that
you can connect to, so even just for things
like your applications, you’re not using a ton of data. These are small changes,
yes, but if you follow them religiously, you can find
yourself saving dozens of dollars at the
end of the month because you’re not constantly
going through data overages. Number six is fancy pet treats. Now, something you
are probably not aware of if you don’t
have your own pet is that treats, especially
the nice organic treats that are not just 90% chemicals,
are really weirdly expensive. No joke. Just one of the bags
of natural chicken chews that we have for Mona
in our cabinet was $14. I don’t even eat $14 snacks. We’ve recently tried making
homemade treats for her, and let me tell you, the price
difference is night and day. You can literally
make the same quantity of actual meat-based treats
for your animal for like $2. Yes, it takes a little effort,
but you can make them in bulk. And if your animal
treat budget is getting into the $100s every
year, it’s definitely worth it. We’ve linked you in the
description to a great resource to start making your
own DIY dog treats. Number seven is overpriced
chemical-laden cleaning products and cosmetics. Most of the products
in our cabinets, whether for our
countertops or our faces, are extremely
overpriced and full of chemicals that
are not necessary. For example, one of the
big myths that we live with is that we need a separate
cleaning product for basically every surface in our home. Not only are there great
all-purpose cleaners out there that are good for
everything from a floor to a stove to a wood
countertop, but there are also super easy to make
DIY in a lot of cases. Just a little lemon
juice and vinegar will take care of about
half of the cleaning that you’ve been outsourcing
to these expensive bottled products. And when it comes to cosmetics,
things like oils and sugars are great for doing
the everyday cleansing that we’re used to
doing with products. For example, everyday
olive oil and a raw sugar make a great scrub
for your body. And that same olive
oil, by itself, is great to take
off your eye makeup. And one of the best
all-purpose facemasks out there is just some
organic honey. Put on your face, allow to dry,
and then gently washed off. We’ve linked you to
some great resources in the description to starting
to make your own cleaning products and cosmetics at home. And while you’re not going to
replace every item overnight, what’s important is that you
start shifting your mindset from how much of these products
need to be store-bought and how many of them in
total you really need. Number eight is stained
or ruined clothes. Now this one is a little bit
in reverse because instead of spending money on
replacing clothes, you need to start spending
money upfront on keeping things like little stain remover
sheets, bleach pens, and Tide pens to keep with you. So that when something happens,
you can take care of that right away before the
clothing item is ruined. For example, last
night I was cooking, and I accidentally flicked
a little bit of pesto on a white shirt,
which if you’re not familiar with the wide
world of clothing stains, is probably one of
the worst things that you can get on
a piece of clothing because it’s not only oil,
it’s extremely bright green. Luckily though, I had a
bleach pen on hand right in my kitchen
cabinet, which I was able to remove the
stain with immediately, and then soak it in
a little cold water. Without having that
on hand, I would have needed to replace the
shirt because letting that stain sit would have ruined it. I can think of like five
occasions in the past year or so that I’ve been able
to use these wipes or pens, and each time it has
saved an item of clothing. It’s a tiny bit
of planning ahead, but you will be so
glad when you have it. Number nine is full-sized jars
of things like herbs and spices that you will probably
not use again. It’s important that
from time to time we step outside of our culinary
comfort zone and cook things that we are not used to cooking. And a lot of times, these dishes
require something like a spice that we’ve never used
before and are honestly not likely to use again. And in that case,
take the time to go to a store like a Whole Foods
or a specialty store where they have bulk herbs and
spices so that you can get just enough of what you need. Take it from someone whose
spice cabinet is like 30% spices that I got randomly for like
one kind of complicated dish and then never used again,
such as this jar of turmeric that I have that I’ve taken with
me through like four apartments and now it’s just
solidified and hardened into this weird like
clump of turmeric. It’s not worth it. There are some
spices that you will use on an almost
daily basis and some that you’ll never use again. Doesn’t mean you
shouldn’t try it, but just don’t get
a $10 jar of it. Number 10 is sliced and
individually packaged foods. As a general rule,
any time of food is pre-sliced or pre-portion
or individually wrapped, it is going to be more expensive
for basically no reason. And this is everything
from cheese to bread to little snack cakes to meat. Start buying things
un-portioned. And if you absolutely
want to have everything in an individual
serving size, you can do it yourself with
reusable containers. But generally speaking, taking
the two seconds to do something like slice a fresh
slice of cheese off a block for your
sandwich is going to be way better in terms
of money, in terms of taste, and also for the environment
because you’re not using a ton of plastic for no reason. Number 11 is separate
kitchen storage and bakeware. A lot of times,
I think mentally, we imagine that we have
to have separate items for each part of our cooking
and food storage life. For example, I think
a lot of times, we’ll have like plastic
Tupperware or bags for storage, and then you’ll
have Pyrex bakeware, and then you’ll even
have perhaps something else for freezer storage. Cut that shit out. Get yourself one set of several
different sizes of the Pyrex containers that have the
plastic tops on them. You can use them to store
food, to take it with you. You can bake with them,
and you can freeze them. You only need one item to serve
all these different functions. And plus, they’re way more chic
than the plastic Tupperware or takeout containers. One tip though, never
ever put a Pyrex dish straight from the
freezer into the oven unless you love having
exploded glass everywhere. You must thaw them first. Number 12 is wasted
space in your home. Start thinking of
every square foot of your home both
in terms of storage and practicality as having a
dollar value because it does. When you have a totally useless
junk drawer or a closet that’s totally unoptimized or
a bunch of old clothes that are just taking up space,
that is costing you money. At least once every
six months, you should be doing a
cleaning/purging/reorganizing in your home to make sure that
every square foot, especially in terms of storage, is
being used efficiently and for things you actually use. When you are paying
rent to store things that you don’t even use, that is
throwing money out the window. And that goes doubly for people
who have houses with rooms that they don’t
even really go in. But I live in New York. I don’t know people like that. Number 13 is needlessly
disposable products. There are a lot of products
in our day to day lives that we’re used to thinking of
in terms of being disposable, and that is costing us money. And a great example of that,
for women at least, is razors. We’re marketed those really
nice Venus disposable razors that cost like $16. And you get like, what? A couple weeks of good use out
of them before they get dull. On a real razor,
which are often metal or some other fancy material,
the actual little blade that you swap out every so
often is pennies on the dollar. The problem is they’re
really only marketed to men now as this sort
of like vintage hipster thing that takes you back
to the barbershop days. But Mark uses one,
for example, and he must have saved like $300
in the past couple of years on disposable razors. They’re not marketed
to us, but women should start using them too. There’s no reason that we should
be throwing our money down the drain, whether on
the super disposable Bic razors or the fancy
Venus ones that have to have the head of the
razor replaced like every three weeks. Some other examples of
needlessly disposable products are travel-sized toiletries. Get those little bottles that
you put your regular stuff into. Chopsticks, Swiffer
pads, K Cups, non-rechargeable
batteries, sandwich bags. AKA, Anything that you are
constantly throwing away that could be easily replaced
with something you use again. Whatever your individual
items happen to be, the point is that you get out
of the disposable mentality whenever possible. Generally speaking,
a disposable product just means costing you
more money for a little bit of convenience. As always guys, thank
you so much for watching and don’t forget to hit
the Subscribe button and to come back every Tuesday
for new and awesome videos. Bye. This week’s video was
brought to you by FreshBooks. So as you guys know,
Lorne and I run TFD, which means a lot
of number crunching, invoicing, and keeping
track of paperwork. And if you’ve ever
freelanced, side hustled, or had your
own project you probably know what it feels like
to be overwhelmed just keeping track of numbers. So that’s where
FreshBooks comes in. Basically, it’s cloud
accounting software that allows you to keep
track of your business and get paid in the
easiest way possible. It basically acts like your
own mini personal assistant keeping track of everything from
deposits to money you’re owed and reminding you along the way. Plus, their unique
tools are set up to make sure that
you get paid faster. And most importantly,
for everyone listening who’s not a numbers
person like me, FreshBooks is designed
to be extremely simple and easy
to use, especially if you’re not so good at math. And FreshBooks is offering TFD
viewers a free 30-day trial, no restrictions. So go to FreshBooks.com/TFD
and enter the financial diet in the how did you
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100 Replies to “13 Everyday Things You Should Really Stop Paying For | The Financial Diet

  1. Thank you for saying "tuRRRRmeric"…and not TOOOOmeric. I don't know why and how all white people got the idea that it's pronounced like that but it's become the new "nookular" and is so grating to anyone of Indian origin!!

  2. De saftey razors are awesome. No reason ladies can't use them too https://youtu.be/a0TibpHQvew. Caties bubbles makes awesome shave soap in great scents, many are gender neutral, some downright floral/fruity.

  3. I totally disagree with not buying pre-sliced food. Each time I slice the food I aggravate my arthritis, so purchasing everything pre-sliced does help to save time, avoid pain and control portions, paying more for that totally worth it.

  4. All is good but I would definitely suggest that you do not ask cafes etc for Wi-Fi passwords. I am a software engineer and I can assure that there are many of these outside places who offer Wi-Fi for free, so that they can snoop into people's phones. So it is okay to spend a few dollars on mobile data instead of risking your privacy and inviting threats and blackmails.

  5. Thanks for posting this. While there’s several items I can check off the list as “been there, doing that” there are a few that are food for thought. For example …

    On limiting food containers to just Pyrex dishes with plastic covers, I have a drawer full of them and use them every day – even eating from them to save dirtying an extra dish. But there is a time and place for the plastic boxes which are lighter, take up less space, and are unbreakable for travel use. I also use zipper type bags. They take for less space than the glass containers and shrink the size of the food they contain. I wash and reuse them. And I have an expandable file folder to store the used ones.

  6. Sorry but you are WRONG about paper towels – they save money and are good for your health. Do not use rags or microfiber cloth for your kitchen and bathroom cleanup. Use paper towels and throw the germs and bacteria away. You have to wash and dry the rags and microfiber cloths, which is more money and chances are you are not getting rid of the germs and bacteria. Throw the mess away! It is healthier and saves you money and labor. Paper towels are manna from heaven – ask your grandmother!

  7. For the razors, I will say this much. Cartridge razors leave ingrown hairs like it's their job. It's not a pleasant feeling. Maybe it is a hipster thing, but my ingrown hairs disappeared the day I switched. On the other hand, they are way easier to cut yourself with than cartridge razors.

  8. For point #9: also know that lots of times those spices you're not used to are actually blends of other spices or can be substituted with something you may have! (And sprinkle that turmeric on your roasted potatoes or add to curry)

  9. Since I got my amazon prime membership I haven't bought any DVDs any more. I have DVDs that had cost about 2000 Euros. They consume space and I don't watch them any more. I watch Amazon Prime. There are so many free shows.

  10. I put turmeric in my pasta sauce, in soups, even if I buy pre-made food I put additional turmeric and garlic into.

    … I love it and it is healthy.

  11. Please do not waste your money on a “cute” water bottle,🙄🙄…complete waste of money & unnecessary if you’re teaching people to not spend on unimportant things.

  12. I agree that its a waste (on many levels) to buy disposable razors — but the non-disposable razors men buy do NOT have replacement razors which are 'pennies on the dollar' . Those razors blades can be really expensive.

  13. 1. I really tought the 1st or 2nd item will be coffee/tea/smothees outside home (prepare at home)
    2. I tought that you will mention about cooking prepare…
    3. Yes (as others), why some many pillows … decoration also I a waste money!

  14. Very true about the disposable stuff I have begun switching out everything disposable with reusable. I got my safety razor yesterday and I love it already!

  15. I do not agree with you on stain removers. There has never been disappointed by using a bit of dish soap and cold water on a stain right away. Dawn is amazing (and Fairy if you're in Europe)! I was surprised at this, Chelsea!

  16. If only every YouTuber would create videos with the same quality audio as you have.
    I was beginning to wonder if there was something wrong with my laptops' speakers
    until stumbling onto this video.

  17. 1 drink tea tick 2 maybe not cross 3. Don't belong to anything surplus to requirements tick 4. I don't but got a husband that does crooss. 5 need to revise.cross 6. No pets tick 7. Need to review ajax used to do it all and now you can't find it. 8. Tick 9. Yes 1.0 bored… Make video shorter

  18. Call me crazy but spending money to support the crazy price structure for tickets for professional sports
    franchises, seems like an enormous waste of money to me. Not to mention the fools who follow teams to road games.
    For the price of 2 tickets to any game, you could watch from home on TV and place a significant bet on the game
    with the money you saved. Plus if the game gets boring, you can turn it off in an instant.
    I also seldom buy jerseys or other clothes with team logos on them. They are almost ALWAYS priced too high.
    I buy a ballcap once in awhile, at a discount sporting goods store, period.
    Let stupid and/or rich people support your local sports franchises.

  19. Why am I paying $12 a month to Youtube premium so I don't have to see commercials,
    and then seeing commercials at the end of your video ??

  20. These are fantastic tips & different to the “norm” you usually hear. Glad I clicked & have now subscribed 😊 thank you 🙏

  21. An inexpensive bar of Lava soap takes out a multitude of stains, particularly if you can treat the spot quickly.

  22. We in India not bothered about data, we actually don’t rely on WiFi anymore because of Mukesh amabani who is the owner of JIO ,, he offers 2gb data per day at a mere price of 400 rupees =6$ For 82 days ,, which is ridiculously amazing

  23. Because of these apps we can save money and afford organic healthy food. ibotta : @t code : SMROKNB
    fetch : @t PCVEP

  24. 1 roll of paper towels should last a lot longer than 2 weeks if you are really using those kitchen towels.
    1 roll has lasted us 3 months so far and we aren't even half way through it.

    It's also a good idea to designate other cloths as rags vs dish towels for more grungy clean up, or more toxic type clean up. Paint spilling, changing the oil.
    My husband even has us make 2 designations for dishtowels, ones that get used for cleaning in the kitchen and nicer ones that can be used as napkins, to wipe off hands, or dry dishes on. Because one is less gross? Even though they both get washed?

  25. If you must have uniform slices of cheese, just buy an electric slicer, like they have in the shops, or have the seller slice it for you.

  26. Here's another thing about old fashioned safety razor blades…they can be SHARPENED (with a special sharpener) and that REALLY kills planned obsolescence!

  27. PSA…please do not use sugar on your skin. The shape of sugar molecules causes micro tearing in the skin which can lead to infection and premature aging!

  28. The biggest waste? A video directed to dumbass over indulged obsessed with consumerism millenials with more money than sense.

  29. NO paper towels are not indispensable: I have not bought any in years: squares of towels are just fine, with three "ages": new, clean to wipe tables and counters, a little greyer for dirty jobs, end-of-life for big messes…

  30. Not trying to be rude but saying to make your own cleaners and things and then immediately after tell people to buy cleaning supplies in the form of pens is very funny

  31. Cannot believe there are people alive who've only used turmeric in one or two "special" dishes💔💔💔
    That spice is a super spice!!

  32. Tip: drive 99.4 miles to a Wholefoods store to buy $1 of spice instead of driving 3.3 miles to Walmart to buy $10 of spice.

  33. It’s so funny that you say you have such old turmeric from not using it! I can totally understand how that happens but it’s so different from my situation. We go through turmeric quickly in my house because I use it for my tofu scramble (vegan scrambled eggs). I make it at least a couple times a week and I’ve found that Ross Dress for Less always has big jars of it for $4 😂

  34. Funny that Pyrex was, for a long time, perfectly good for taking out of the freezer and putting in the oven. That's precisely what it was made and marketed as. Now, it's not the good borosilicate glass any more; it's the cheaper soda lime kind. But they still call it "Pyrex". Have they been sued yet by somebody who got hurt when it shattered?

  35. Re: tumeric- its a great anti-inflammatory spice. Adding it to chai teas can help with muscle aches and cramps. It's great to ADD to that honey mask, adding it to curries and stir fry. It's actually quite versatile, but it's not common in western cuisine so it may not seem like an obvious choice.

  36. Re: spices, an even better solution: find out what spices your friends/acquaintances use. Now if you have too much of something taking space in your spice shelf that you never use, gift it to someone who uses it often. If, on the other hand, you plan to try some new recipe and consider buying a new spice, you can ask someone who likely has plenty of it to lend you some instead. And if you can't find anyone using that spice in their kitchen? Well… in all likelihood it's not an essential spice you really need to have 😉
    With this approach, you can even make purchases for more than one household together, buying a large bag of spices every once in a while, and dividing it between yourselves. Likely cheaper than buying small amounts individually.

  37. #4 excessive paper towels.
    I don't use paper towels any more. I have cloth towels rags in my kitchen. I have small wash clothes to dry my hands in the bathroom.

  38. To me #2 & #10 go together. For me purchasing a chunk of cheese is a waste. Because it's more than I can use before it expires or gets freezer burnt, if stored in the freezer. I think it's more conservative to buy the sliced cheese, I use only what I need then recycle the plastic. Same with fruit, if I want fruit. I buy pre cut and eat just what I want versus buying whole fruit that will not be for I can get too it. For me this has saved alot of money

  39. I love sandwich bags and storage bags though in have a tone of ceramic dishes. when I cook my chicken I like to store it in the bag then I see it and use it.
    Also I take food to work, less spillage. Saves money by NOT going through the drive through. The bag is recycled

  40. So. Basically you made a video to explain what already all “poor” people already know? Sorry “poor” people, I’m not disrespectful. This video makes no sense. Especially at the middle, where I can save money on “incense”
    Who the fuck has money for incenses?

  41. Dermatologists are cringing by your olive oil and sugar recommendation. Please research before saying things like that 😣 people are prematurely aging themselves, causing inflammation, microtears, and possibly worsening dry and itchy skin with DIYs like that. I hope people go check out Dr. Dray here on YouTube for more info, and I hope people see this comment. Just know that everything should be taken with a grain of salt, just don't scratch up your face with that salt, okay?

  42. Things "sliced or cut for basically no reason". I would like to remind you that one of the main reason things are offered precut or sliced or premade or for people who are disabled and not able to do it themselves therefore there absolutely is a reason.

  43. I've paid for Amazon Prime for a few years because I live where tv reception is poor and I watch Amazon Prime. Added a phone line to my Metro by T-Mobile and now get Amazon Prime for free.

  44. I am a 41 year old mom of two. I have not bought paper towels for 15 years. Lemons, baking soda and vinegar will clean 99% of your home. Honestly, make your own cleaning supplies.

  45. The world is going to shit, we have recycling, who cares if we use water bottles. Not using water bottles is going to save the world

  46. I get what you were trying to do with the cleaning supplies part… but everything is chemicals. Even lemons and vinegar, and sometimes you do need specialized supplies to ensure surfaces are disinfected, and same goes for skincare.

  47. Don't buy rags.. make your own out of old stained, or worn tee shirts or towels, cut or rip them up, and rewash forever, natural fibers are best.

  48. Bit off topic. I carry my own reusable chopstick, metal straw, and a spork. I mostly so this for environment, im considering a knife but kinda questionable carry one of those around even for eating.

  49. Hi, Chelsea! I love your new short hair! It looks awesome! I´m following your ideas to improve my finances. Thank you for all the hard work you do.

  50. I think I need to unsubscribe from this channel.

    These tips are not novel (most do not even apply to me)

    And overall, I feel like this channel was produced to try to sell me things even though I came here to save money…

  51. Every time I watched the big bang theory I thought "wtf are they drinking water from tiny bottles in every scene?" So, apparently that's a real thing? As a European I find this really odd.

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