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30 Modi Per Risparmiare Ogni Mese (Senza Vivere Da Povero) — Transcript

by Giuseppe Castagna · 2,974 words · 426 segments · language en · Watch on YouTube

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0:00If you're anything like me, I'm sure
0:02you've experienced your entire paycheck
0:03disappearing at least once without
0:05knowing where the hell it went. And not
0:08because you're a person who throws
0:09money away or lives in wild luxury, but
0:12because of many small leaks we no
0:13longer even notice. And now I know what
0:16you're thinking. Another video from
0:18someone telling me to stop drinking my
0:20sacred coffee. No, that's not what this
0:22video is about, and it's not about
0:23living like a pauper either. It's about
0:25stopping the involuntary payments for
0:27things that give you nothing so you can
0:29start buying what truly matters to you.
0:32In this video, I’ll give you 30 ways
0:33I’ve tested myself to save anywhere
0:35from € 2 to hundreds each month, and
0:37for each one, I’ll tell you exactly
0:38how to do it and what it's worth to you
0:40. And the cool thing is you don't have
0:42to do them all; just choosing four or
0:44five is enough to save a crazy amount
0:45of money. Let’s start with where
0:47you’re losing the most money without
0:50even realizing it, and that’s fixed
0:52expenses. In fact, there is money
0:54leaving your bank account automatically
0:56, and because it’s automatic, you've
0:57stopped looking at it. These are the
0:59first ones we need to fix because it
1:00only takes 10 minutes and is worth more
1:02than 1,000 skipped coffees at the bar.
1:03If you open your bank or credit card
1:05app, I’m sure—I’d bet anything—
1:08that by looking at last month's
1:10recurring charges, you’ll find at
1:12least one. One, and I mean just one
1:14subscription for something you didn't
1:16use that month, or for full cloud
1:18storage, or that premium app for cat
1:20photos you used on New Year's. So, the
1:23absolute first thing to do to save is
1:25to audit all active subscriptions, and
1:27my advice is to cancel them all. I’m
1:30not kidding. Cancel them all,
1:31reactivate them as you use them, and
1:33turn off auto-renewal. You can’t
1:35watch all the streaming services at the
1:37same time anyway. I’m sure you’ll
1:38save at least € 100 every month. We
1:41then have the option to use comparison
1:43sites, those websites that compare
1:45phone operator rates, whether for home
1:48internet or mobile, allowing you to
1:50save perhaps € 5 or € 10 a month in
1:52just 5 minutes, which adds up to €
1:54120 or € 150 over a year. Rest
1:58assured, no one is going to call you to
1:59tell you that you're spending twice as
2:00much as your neighbor, so please, be
2:02smart about it. Still talking about
2:04comparison sites, there is another
2:05fixed expense that unfortunately we all
2:07have to cover, and that’s car or home
2:09insurance. In this case too, don't
2:11renew by default because companies
2:13change their promotions every year.
2:15Comparison sites work here too; the
2:16companies pay the cost, so why not use
2:18them? And still on the subject of fixed
2:21costs, we have bank account fees.
2:23Unless you need specific services from
2:25a traditional bank, online accounts are
2:28now practically all zero-fee. An
2:30account at a traditional bank can cost
2:3210-15 a month, which multiplied by a
2:34year, I don't need to do the math for
2:36you. And staying on the topic of
2:37comparators, since you've already
2:38opened the first ones, look at your
2:39light and gas bills. I'm also lazy
2:41about this because it's a pain; you
2:43have to compare rates, see where the
2:45fixed fee is, see where it isn't, but
2:47overall, it only takes 30 minutes a
2:49year to review all your rates once and
2:51save a lot of money. So just put in a
2:54little bit of effort. And if you think
2:57fixed costs are high, wait until you
2:58see how much your own food consumption
3:00eats into your budget. And usually, in
3:02household budgets, food is almost
3:04always the biggest expense after
3:05housing. And it's also where we usually
3:08throw away the most money without
3:09realizing it because we shop poorly.
3:12Something that completely changed my
3:13life is the way I shop and preparing my
3:15weekly menu on Sundays. This way,
3:18before shopping, maybe even helping
3:20yourself with any artificial
3:21intelligence system like Gemini,
3:23ChatGPT, Claude—practically any of
3:25them, even the free ones—you can make
3:27an exact list of what you need, waste
3:28much less food, and above all, stop
3:30wasting time thinking, "What should I
3:32eat tonight?" or "What should I cook?",
3:35while staring at the fridge in shock,
3:36saying, "Okay, what do I do now?"
3:38Throwing away food has always bothered
3:40me since I was a kid, and this is the
3:42most functional way I've found to stop
3:44doing it. And speaking of food, the
3:46next piece of advice is something my
3:47grandmother always told me, but which I
3:49listened to few times, especially when
3:51I was young, and that is: don't shop
3:53while hungry. Yes, it's embarrassing
3:55how well it works. If you shop on an
3:57empty stomach, you buy triple the junk,
3:59which is usually the stuff that costs
4:00the most too. So, always do your
4:02shopping after you've eaten. Next
4:04strategy. This one really changed my
4:06life. I discuss this with people and at
4:09first they turn up their noses, but
4:10once they start doing it they never
4:12stop, and that is grocery shopping
4:14online. And I don't just mean having it
4:17delivered to your home, even though
4:19practically all the big supermarkets do
4:21it now; I'm saying that even just
4:22ordering it to a locker saves you a lot
4:24of time, because inside the supermarket
4:25I get lost. It allows you to be
4:29scientific about what you are buying,
4:30so you don't look at the things on the
4:32shelves buying random stuff and you
4:34don't forget anything; above all, it
4:36has saved me a lot of money and a lot
4:38of time over the last two years. On the
4:41topic of food, another habit that has
4:43saved me a lot of money is doing batch
4:45cooking on Sundays, so cooking all the
4:47week's lunches on Sunday. This habit,
4:49besides saving me a lot of time, has
4:51saved me a lot of money, because I
4:52prepare in bulk on Sunday, divide it up
4:54, and effectively I don't throw
4:56anything away from the fridge anymore;
4:57following this reasoning, the next way
4:59to save is connected. I bring my lunch
5:01to work, this way I heat it up, I eat
5:03better because I eat something
5:04healthier, and I save at least € 20 a
5:06day. Next strategy to save money: eat
5:09legumes. They are proteins with very
5:12high nutritional value, they cost a
5:14third or a quarter of fish or meat, and
5:16they are healthy. For me, a third of my
5:18meals, where I always include a protein
5:20portion anyway, is now made up of
5:22legumes. Next strategy: stop drinking
5:25coffee. No. Okay, I promised you at the
5:27beginning of the video that I wouldn't
5:28tell you to stop drinking coffee. I
5:30stopped drinking coffee at the bar. The
5:33first reason is that coffee at the bar
5:35often, unfortunately, tastes terrible
5:36because many bars, I don't know for
5:37what reason, even though we are the
5:39home country—we are the ones who
5:40invented coffee, damn it, not Starbucks
5:42. They buy poor quality coffee, it is
5:44too acidic or too burnt, or the machine
5:46maintenance is not done. The second
5:48reason is economic. I prefer to drink a
5:50quality coffee at home. I drink YLI
5:51capsules, which do not sponsor this
5:53video. Obviously, they cost about 50
5:55cents. I buy them in bulk on sale, but
5:58they give me a quality coffee. I have
6:00reached the point where I prefer to
6:01drink my coffee at home or at the
6:02office rather than having it at a bar
6:04while out and about. We then have
6:05something I have been arguing with my
6:07wife about for a long time, but in the
6:08end, I managed to convince her. I use
6:10filtered water, so either a filter
6:12carafe or a tap purifier at home. You
6:15save a lot of money. Generally speaking
6:17, tap water in Italy is very good.
6:18Obviously, it's better if you live in
6:19the Aosta Valley, but we manage just
6:21fine in the big cities too. And
6:23speaking of drinking at a restaurant,
6:24no drinks—or rather, it's fine to
6:26have a beverage, it's fine to have a
6:28glass of wine, but why throw away 500
6:29or 600 euros on wine during a dinner
6:31that might already cost hundreds?
6:34Besides, when it comes to drinking wine
6:35or a beverage where the restaurateur
6:37has the highest markup, in my opinion,
6:38water is just fine. And if you put
6:40together even just three of the ones
6:42we’ve seen, you still eat just as
6:43well. You can even drink the wine if
6:45you decide not to save on that, and
6:46you'll still save a lot of money. But
6:48wait until you hear the next section,
6:49because now we’re starting to have
6:50some real fun. And if just talking
6:53about food made your mouth water, but
6:55also made you want to look at your bank
6:57statement, click the "Subscribe" button
6:58, because we talk about this on this
7:00channel every week: practical things
7:02about money and life, not just
7:04motivational quotes. Done? Good,
7:07because now comes one of the most
7:09interesting parts: it's not just what
7:11you buy, but also how you buy it.
7:15Because most of the money we spend
7:16nowadays, we don't even choose to spend
7:17it; it's the fault of a single tap. An
7:21impulse spends money in our place;
7:22therefore, getting back in control of
7:24how we spend our money is worth more
7:26than any budget cut. And by now, in my
7:28life, for any purchase, I apply the 72-
7:30hour rule, which sometimes varies to 48
7:33or 24 hours. But in any case, when you
7:36get the urge to buy something you don't
7:38need right away—because maybe you
7:40don't have to eat that thing—wait 1
7:42to 3 days: 7 times out of 10, the urge
7:44to buy it will pass. And always to put
7:48some friction between us and the
7:49purchase, to make it less easy, delete
7:51all your shopping apps, because food
7:53delivery and fasting apps are
7:55engineered to make you buy as easily as
7:57possible, to send you a notification at
7:59the right moment, and to make you tap
8:01without even having to enter your
8:03credit card details: they’ve already
8:05got them saved anyway. And I assure you
8:08that this alone will be enough to stop
8:09at least 20%of your useless expenses.
8:11And staying on the topic of apps, there
8:13are some useful ones, so always
8:15remember to activate cashback and
8:17discounts on what you buy, whether it's
8:19with American Express, Revolut, or any
8:21other credit card. Practically all of
8:23them have a promotions section where
8:24you can find discounts or points on
8:26expenses you would have made anyway. So
8:28I always keep an eye on that before
8:30buying anything, especially for big
8:32purchases where the points I earn
8:34through cashback end up paying for my
8:35vacations. Another way to save a lot of
8:39money, which we very often don't think
8:41about, is buying things used. Do you
8:43see what I mean? There are a lot of
8:45products that cost a fortune. I’m
8:47thinking of furniture, clothes, baby
8:49strollers, which, once resold, have a
8:51truly ridiculous value; I mean,
8:53they’re practically worth nothing. So
8:55there are various sites like Vinted or
8:57Marketplace. At a third or even a tenth
9:04of the price. To give you an idea, the
9:06stroller system for my twins cost 2,990
9:08euros, or maybe 990. I paid 890 euros
9:11for it used once, and it really was
9:12used only once, and there's no shame in
9:14that; you save hundreds or thousands of
9:16euros every year on things that don't
9:18have any real value. Another thing that
9:20, in this hyper-consumerist world we
9:22live in, we're no longer used to doing
9:25is repairing things. For heaven's sake,
9:26for me, it's a sort of mania, a
9:27professional deformity. When I was
9:29little, I was obsessed with MacGyver; I
9:30was always taking everything apart.
9:32Just think, my first business while I
9:34was at university was repairing iPhones
9:36. I was one of the first to repair them
9:38in Italy, but by now there's a tutorial
9:39for practically everything on YouTube,
9:41so why not try to fix something before
9:42throwing it away? And staying on the
9:44topic of quality, I find it better to
9:46buy one quality item used than five
9:48cheap new ones. So it's better to buy
9:50for quality, thinking about the cost
9:52per use, rather than spending less now
9:54and continuing to waste money. And
9:56regarding purchases, give fewer gifts,
9:58or rather, give more targeted gifts;
10:00don't waste money on junk like cheap
10:02tin bracelets that are absolutely
10:04worthless. If you have to give a gift,
10:06do it once and do it right. Okay, honey
10:08, I've been good at this. And if you've
10:12made it this far, you've realized that
10:14most of these things don't take away
10:16anything you actually enjoy. It's one
10:18of the most misunderstood parts when
10:19talking about saving money. It concerns
10:22having fun, reading, working out,
10:24having a home that actually works, and
10:25none of this has to cost what you're
10:27paying right now. And in fact, we all
10:30miss out on what is free entertainment.
10:32In the vast majority of cities, there
10:34are a ton of exhibitions, events,
10:36concerts, and presentations; it's
10:37absurd to live in active cities and not
10:39take advantage of what is available for
10:41free. So take a look at the events in
10:43your city. And regarding reading, which
10:45is one of the activities that has most
10:47influenced my life in recent years—if
10:48I am here today, it is thanks to books
10:50—do me a favor, do yourself a favor:
10:51switch to digital. It's more convenient
10:53, books cost less, and you read much
10:55more. I only buy physical books when
10:57they are something truly special. And
10:59regarding sports and training, you
11:01don't need to go to the coolest gym
11:03that costs 200 euros a month. To me,
11:05there are gyms that cost very little,
11:07even 20-30 a month, they are open 24/7,
11:08or you can train with bodyweight
11:10exercises at home; you don't need the
11:12club. And still talking about the house
11:15, as far as household products go, we
11:16use three based on the home environment
11:18; there is no need to buy 100,000
11:19things just because I saw an ad on TV.
11:22It's a very fun thing to do to save
11:24money, still talking about the house,
11:25and it's something I've been trying to
11:27convince Rihanna to do for a few months
11:28. Doing a "no spend" week, meaning 7
11:31days buying only the essentials, shows
11:33you how many things you buy out of
11:35boredom and not necessity. However, I
11:38must be honest, on this I still haven't
11:39managed to convince her. And if so far
11:41we have turned off a mountain of small
11:43taps, the two biggest items remain, as
11:45well as the two actions you can take to
11:47truly save a lot of money every year.
11:50The first concerns the car. The car is
11:52the biggest expense there is for
11:54Italian families because the car is
11:55considered a status symbol, not just a
11:57means of getting around. So when you
11:59buy a car, start asking yourself: "Do I
12:01need such a big car? Do I really need
12:03to change my car? Can I use car sharing
12:05? Can I get around differently?" But
12:07above all, the basic rule is that the
12:09total cost of the car must not exceed
12:1215%of your net income. Get this into
12:14your head, otherwise you are buying for
12:16status and not for necessity. And then
12:17comes the biggest expense of all, which
12:19is the house. And when it comes to the
12:22house, we all bite off more than we can
12:24chew; we all get the biggest house, we
12:26all overestimate certain things like
12:28the huge terrace, the location, certain
12:30finishes, and underestimate others like
12:32condo fees and mortgage interest. The
12:34advice I give you about the house could
12:36open a huge chapter. If you have a
12:39mortgage, go and try to renegotiate it,
12:40so don't change banks, but go to your
12:41bank and say, "Look, the rate was too
12:42high, today it's lower, will you do it
12:44for me? Will you lower it for me? What
12:46do you think?" If you're renting, weigh
12:49the location against your commute,
12:52because travel time to work is one of
12:55the biggest drains on your time and
12:57money. Even if you're renting, have a
13:00chat with your landlord; if you're a
13:01good tenant, you could ask, "I'm
13:02looking at other places, any chance you
13:04can lower the rent?" And then there are
13:06two actions that will change everything
13:07. The first is to track your expenses.
13:10It takes 5 minutes a month, but if you
13:11don't know how you're spending, you
13:13can't know how to save. If you're
13:14unsure how to do it, I've left my Excel
13:16tracker in the description. It’s very
13:18simple. And finally, automate your
13:20savings. Pay yourself first. The first
13:22thing that should leave your paycheck
13:24every month automatically is your
13:26savings portion—the money you set
13:28aside and invest. This way, you only
13:30see what you can actually afford to
13:31spend. And the natural next question is
13:34: "Okay, Giuseppe, I've saved a lot of
13:37money, automated my savings, and
13:38tracked my expenses, so what do I do
13:40with all this cash?" I give you the
13:43answer in this video on the right,
13:45where I show you how I would invest if
13:46I were starting completely from scratch
13:48this year. Thank you for watching and
13:50always unleash your potential. Bye.

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