Can I work and pay my tuition fees?| Money management Tips

Summary

В этом видео-блоге два автора обсуждают управление финансами и оплату обучения за границей. Они делятся своими историями: одним из них спонсировали родители, а другим пришлось самостоятельно заботиться о всех расходах. Оба рассказывают о своих стратегиях по расходованию и экономии средств, включая использование бюджета, отслеживание расходов и поиск дополнительных источников дохода. Авторы также дают советы о том, как снизить затраты на проживание и удовольствия, чтобы сберечь больше денег на обучение.

Takeaways

• 😀 Видеоблогер приветствует своих подписчиков и вводит тему видео о том, как управлять финансовыми средствами и оплачивать обучение.
• 🏫 Авторы обсуждают две ситуации: когда родители оплачивают обучение и когда студент сам оплачивает все расходы, включая следующий год обучения.
• 💰 Один из авторов рассказывает о своем бюджете в 1000 евро в месяц для проживания и питания, а также о том, как он следит за своими расходами.
• 📈 Второй автор рассматривает свой бюджет и расходы, включая оплату следующего года обучения, и то, как он начал экономить на это.
• 🔄 Оба автора подчеркивают важность разделения счетов для сбережений и расходов, а также планирования бюджета.
• 💼 Авторы делятся своими опытами работы и поиска стабильной работы для оплаты расходов и обучения.
• 🏢 Один из авторов упоминает, как он смог получить стажировку в крупной компании и как это повлияло на его способность экономить на обучение.
• 💡 Они предлагают советы по сбережению, такие как разделение дохода на три части, покупка в распродаже и сравнение цен.
• 🚫 Авторы также обсуждают необходимость избегать избыточных расходов и удобства, чтобы сэкономить на обучение.
• 🎓 В конце видео, авторы отмечают, что сбережения и оплата обучения - это непростая задача, но возможное достижение с помощью правильного подхода и планирования.

Q & A

Какой была основная тема видео на канале YouTube?

Основная тема видео - управление денежными средствами, рассмотрены вопросы, как тратить и управлять деньгами, а также возможность работы и учебы одновременно, используя заработанные средства для оплаты учебных затрат.

Какой стратегии использовали герои видео для управления своими финансовыми ресурсами?

Герои видео использовали стратегии, такие как бюджетирование, разделение денежных средств на счета, отслеживание расходов и планирование зарплаты для оплаты учебных и прочих расходов.

Какую сумму денег привезли герои в Польшу и как они планировали расходовать эти средства?

Один из героев привез с собой от 500 до 600 тысяч наиры, что составляет около 6000 евро, с планом расходовать до 1000 евро в месяц на проживание и другие расходы в течение шести месяцев. Другой герой привез 700 тысяч наиры, что составляет около 7000 евро, с тем же планом расходов.

Каким образом герои отслеживали свои расходы?

Один из героев использовал два счета: сберегательный и рабочий, перенося 1000 евро каждый месяц на рабочий счет для расходов. Другой герой отслеживал каждую трату в своем блокноте, разделяя ежемесячные расходы на недели.

Какие дополнительные расходы возникли для героя, который уже оплатил первый год учебы?

Для героя, который уже оплатил первый год учебы, дополнительные расходы включали оплату следующего учебного года.

Каким образом герои смогли оплатить свои учебные затраты?

Один из героев смог скопить средства для оплаты учебных затрат, работая в фабрике и интерне, а затем перешедший на стажировку в крупную компанию. Другой герой начал работать в McDonald's и затем перешел на работу в международную компанию, отслеживая и увеличивая свои экономии.

Какие советы по сбережениям привели к успеху героев в оплате учебных затрат?

Советы включали разделение дохода на три части, покупку в рассрочку, использование скидок, сравнение цен, покупку в thrift-магазинах, отключение карт для контроля расходов и сокращение ненужных расходов.

Как изменился образ жизни героев после перехода на более стабильный и высокооплачиваемый вид работы?

После того как герои перешли на более высокооплачиваемую работу, их расходы увеличились, но они продолжали сохранять деньги, только с меньшими экономическими ограничениями.

Что авторы видео рекомендуют тем, кто не имеет финансового обеспечения и должен самостоятельно оплачивать свои учебные затраты?

Авторы рекомендуют использовать предоставленные советы по сбережениям и управлению финансовыми ресурсами, но также отмечают, что это нелегкое занятие и требует большого самодисциплины и пожертвований.

Outlines

00:00

😀 Вступление и представление темы

В этом видео блогер приветствует своих подписчиков и вводит тему: управление финансовыми средствами и оплата учебных затрат. Блогер делится опытом двух сценариев: одного, где родители оплачивают обучение, и другого, где студент оплачивает обучение самостоятельно. Также он обещает ответить на часто задаваемые вопросы о возможности работать и учиться одновременно, используя заработанные средства для оплаты учебных затрат.

05:00

💼 Работа и обучение: первый опыт

Студенты рассказывают о своем первоначальном бюджете и планах по выживанию. Один из них приехал с суммой в 500-600 тысяч наиры, эквивалентом 6 тысяч евро, с планом расходовать до 1000 евро в месяц на проживание и другие расходы в течение шести месяцев. Другой студент приехал с 700 тысяч наиры, что составляет 7 тысяч евро, и также планировал расходовать 1000 евро в месяц. Они обсуждают, как следили за своими расходами и как разделяли свои счета для управления финансовыми потоками.

10:01

🏭 Работа в фабрике и поиски стабильности

Студенты делятся своими первоначальными трудоустройствами и упоминают, что работа в фабрике или в McDonald's помогла им покрыть ежемесячные расходы, включая проживание и питание. Они также обсуждают, как эти зарплаты влияли на их способность сохранять деньги и подготовиться к оплате следующих учебных затрат. Один из студентов смог сохранить около 200-300 евро в месяц, в то время как другой не мог сохранить ничего из зарплаты из-за высокого потребления на базовые расходы.

15:02

💰 Советы по сбережениям и управлению финансовыми потоками

Студенты обсуждают свои стратегии по сбережению и управлению деньгами. Они делятся своими методами разделения дохода на счета для сбережения, аренды и других расходов, а также обсуждают важность покупки в рассрочку и поиска оптимальной цены на товары. Они также рассказывают о своих личных целях по сбережению и использовании приложений для мониторинга прогресса по достижению этих целей.

20:03

🛍️ Экономия на расходы и поиск более высокооплачиваемой работы

Студенты рассматривают способы сокращения расходов, такие как покупка в рассрочку, использование скидок и покупка в thrift-магазинах. Они также обсуждают изменения в их образе жизни после перехода на более высокооплачиваемые работы и то, как это повлияло на их способность сохранять деньги и управлять своими финансовыми ресурсами.

25:03

🎓 Заключение и призыв к действиям

В заключении видео блогер подводит итоги обсужденных тем и дает советы зрителям по управлению своими финансовыми ресурсами. Он также призывает к подписке на канал, оставлению комментариев и предложениям для будущих видео.

Keywords

💡финансы

Финансами в видео управляют расходы и доходы, обсуждая, как правильно распределить денежные средства и как сэкономить на определенных вещах. В контексте видео, управление финансами связано с тем, как студенты могут оплатить свои учебные затраты, включая плату за обучение и другие расходы, такие как проживание и питание.

💡расходы

Расходы в видео рассматриваются как сумма денег, которая тратится на различные нужды, включая проживание, питание и другие ежемесячные затраты. Важно управлять расходами, чтобы избежать финансовых проблем, и в видео рассматриваются стратегии по их оптимизации, такие как создание бюджета и отслеживание расходов.

💡сбережения

Сбережения в видео представляют собой сумму денег, которую человек накопляет для определенных целей, таких как уплата учебных сборов или финансирование своего будущего. Авторы видео делятся своими стратегиями по сбережению, включая разделение дохода на части и использование различных способов сокращения расходов.

💡бюджет

Бюджет в контексте видео - это план распределения денежных средств с целью оптимизации расходов и сбережений. Авторы обсуждают, как составлять бюджет и следить за своими расходами, чтобы не превышать определенные финансовые границы и успешно достигать своих финансовых целей.

💡работа

В видео рассматривается工作经验 как один из способов покрыть расходы на обучение и проживание. Авторы делятся своими историями о том, как они находили работу и как это влияло на их способность платить за учебу и сохранять деньги для будущих расходов.

💡учеба

Учеба в видео связана с процессом получения образования и его стоимостью. Обсуждается, как студенты могут сочетать работу и учебу, чтобы оплатить свои учебные затраты, и как это влияет на их способность сосредоточиться на изучении и успешно окончить учебу.

💡проживання

Проживание в видео рассматривается как один из основных расходов студентов, который включает в себя аренду жилья и другие связанные с жильем затраты. Авторы обсуждают, как оптимизировать эти расходы и как они влияют на общий бюджет студента.

💡платежные планы

Платежные планы в видео представляют собой способ оплаты учебных сборов по частям или в рассрочку. Авторы рекомендуют обращение к учебным заведениям с просьбой о предоставлении платежных планов, чтобы облегчить финансовое бремя и сделать процесс оплаты более управляемым.

💡экономия

Экономия в контексте видео означает умение сократить свои расходы и накопить деньги на будущее. Авторы делятся своими советами по экономии, таким как покупка в распродаже, сравнение цен и умное использование сбережений для достижения финансовых целей.

💡автоматическое перечисление

Автоматическое перечисление в видео рассматривается как метод сбережения, при котором определенная сумма денег автоматически переводится с одного счета на другой для сохранения. Это позволяет избежать诱骗 расходов и гарантирует, что определенная сумма будет сохранена каждый месяц.

Highlights

Introduction to the YouTube channel and today's topic: managing money, including spending and saving strategies.

Discussion on balancing work, school, and managing finances while studying abroad.

Case A presented: A scenario where the individual's tuition is sponsored, and they manage living expenses independently.

Case B presented: A scenario where the individual has paid for the first year of school fees and must manage subsequent costs.

Initial financial planning: How much money to bring and the survival plan upon arrival in a new country.

Monthly budgeting strategy: Allocating a set amount for rent, food, and miscellaneous expenses.

Tracking expenses: Methods used to monitor and control monthly spending.

The importance of having a backup plan for tuition fees and how to save for it while managing daily expenses.

Strategies for finding part-time work to cover living expenses while studying.

Balancing academic responsibilities with part-time work and the impact on studies.

Earning estimates from part-time jobs and how they contribute to covering monthly expenses and savings.

Transitioning from part-time jobs to internships and their impact on financial stability and tuition savings.

Saving tips shared by the host and the guest, including budgeting techniques and smart shopping habits.

The psychological impact of saving money and the sacrifices made to achieve financial goals.

How an increase in income affected lifestyle and savings habits post-graduation.

Final thoughts on the challenges of managing finances as a student and the value of perseverance.

Encouragement for viewers to subscribe, like, and comment on the video, and a call for video recommendation suggestions.

Transcripts

hello there this is

and welcome back to my youtube channel

if this is your first time you're

welcome you're welcome you're welcome

and if you are a returning subscriber

thank you so much for coming back again

to see another video so guys in today's

video we're going to be talking about

money we're going to be talking about

money how to spend it and how to manage

it and everything around money and also

i would be answering your most

frequently asked question which is can

you work and school and while you're

working you take your salary or the

endings of your

job and pay your fees and all other

expenses so that's what we'll be talking

about here today so guys without talking

too much let's jump into the gist for

today

[Music]

so with me here today is my friend udoka

and

we'll be talking about this topic

together i decided to bring a second

party here because i would be

we would be giving two scenarios here so

case a which is my scenario would be a

situation where

i had a sponsor which in my case my

parents they had already

paid or they were going to pay my entire

tuition while every other expense like

my living cost feeding and every other

expense i was going to

handle here in poland was going to be

covered by me well in his case which is

case b

is

someone who has already paid the first

year or

yeah you've already paid the school fees

and then you have come to poland and

he had to like incur the other cost

which is the same as me but he had an

additional cost which was his school fee

for the next academic year so that's

what we'll be talking about here today

so i have some questions on my phone

yeah yeah i have some questions on my

phone and i would be asking of course we

answer any boots wait for both cases so

the first question here would be how

much did you bring and what was your

initial plan of survival with that

amount so if you can tell us the money

in naira and in zwarte would also i

would also put like the euro conversion

on the screen as well yeah i get i came

here with probably

500 to 600 000 naira

which is equivalent of six thousands

water

so my plan was to spend at least maximum

of one thousands water every month and

i was planning on budgeting that money

for like six months so after six months

if i don't get a job i'll be in a big

problem okay so i had a similar ideology

as well i also came i came with 700k

which is seven thousand watts so i came

with slightly more money than you

so i came with uh seven hundred thousand

era which is seven thousands watty and i

also had plans to spend one thousand

each month so i had seven months planned

in my head i was like okay once seven

months is over

then i if i don't get something doing

then i am in a very messed up situation

because for me the point was okay after

six months of like trying to figure out

myself eventually i would get something

doing

and then the next six months i will use

it to plan how to make money for my next

tuition so that being said i would move

to the next question uh which is so of

course you had already budgeted the 1000

yeah zwarte that should include my rent

my

feeding expenses my miscellaneous

expenses as well okay so 1000 is what it

was to cover all your expenses it was a

maximum you know i could sometimes spend

less than that in a month you know

and if i spend more so i will now have

to offset it with

the next month's budget no okay okay so

yeah so total expenses monthly

plus your fees included so uh and how

did you track these expenses well i had

like two accounts uh i have a savings

account and i have my you know

functional accounts

so whenever uh i just

moved all my money to my savings account

and then in functional account i moved

to 1 000 worth every month so whenever

that money finishes i know i have done

something terrible so most of the time

the target is to ensure that

this 1000's worthy lasts me for one

month

okay so in my own case i did not

necessarily divide my account

i had all my money in one account

however i was tracking every single

penny that i was okay not penny every

single grocer that i was spending in

poland so every month i had like one of

my books somewhere here i had one of my

books where i used to write like how

much i spent for rent how much if i went

somewhere and got something i had to

write it down actually i was doing the

same but i was budgeting probably like

hundreds water every week so what i do

is

i divide hundreds watty into how much

it's going to come across in a week so

100 divided by seven seven so it should

give you probably i don't know maybe

fifteenth voltage or twenty is worth it

so that way i understand okay any day i

spent probably like fifties water then

the next day i need to upset it badly by

staying at home and maybe eating inside

and

yeah

okay next question i would want to ask

is of course you had the tuition ahead

of you you had paid one year so at that

point let's take it away on the same

because you had paid i had paid so the

the thing was we were both operating on

the same uh expense one thousands watty

and all of that but when it got when

at what point okay at what point did you

start saving for your tuition for the

next year now the difference uh between

us is okay for instance you are thinking

about probably getting a job and you are

not in a hurry mine i had difficulty

because i understand that after six

months even if i

you know i can comfortably feed myself

and you know pay my rent however if i

don't get money for my tuition

it still does not make sense i have to

like suspend my

my schooling so it was a bit challenging

for me so when i came

uh

the goal was not to spend the six six

thousands what i have budgeted for six

months the goal was just to see

something doing

in order to afford my rent and feeding

for that six months that way that money

i came with would be remain

yeah part of my tuition okay so that was

the plan so when i came in october i

started searching for job

so i mean i looked and looked by

december i got something you know

factory job blue collar job

and yes by then i spent like two

thousands watching okay so let's see

let's stop uh you came in october yes so

october november

december so in the third month you had

already taken out two thousand so we're

left with uh four thousand watty

i think i took more than that because

approximately give or take uh-huh and

then you now got a factory job in

december yes uh so with the earnings now

which brings us now to the earnings from

this factory job could you like give us

a rough estimate like how much were you

earning on a monthly basis working in a

factory to be honest you know it has to

do with which days you came and which

days you could not come i mean i was

schooling at the same time so

most of the time i was just you know

missing uh classes that are not so so

important so i could read up on my own

are you telling like are you telling my

subscribers not to go to class see guys

guys see

of course i have an entirely different

video where i talk about balancing your

work and school life and all of that

it's not easy there are definitely great

because that you're going to skip

because you have to work but at the same

time you should know that the main

purpose of you coming is for your

studies so whatever you want to do sha

prioritize

no actually i did prioritize my reading

yeah he graduated with a a a a

distinction now so of course

i have to now do the backlogs during my

weekend you know any spare moment i have

i use it to like

you know complete what i've missed i i

agree with that because this was also

similar for me okay so

it was difficult yeah it was because

then you know if i want to like make

money for my rent and freedom i have to

skip a lot of classes so it depends on

how much i feel like making for that one

however all the uh the songs i met

during my workouts the factory was

solely to just pay my rent and feed i

could not save anything out of it

because

how it was quite difficult for me oh

okay so you could not save i could save

probably like two hundred zero to three

hundreds what you know that but it was

not enough remember i was not like going

every day i was going probably two times

in a week or three times so

it was not so so okay so uh it's also

similar with me in my own case because i

had seven months and after seven months

of course my school fees have been paid

for but after seven months

i would not have money to pay for rent

or for feeding so this is also this was

also crucial for me in my own case i i

didn't work for the first three months

so i came in february so february march

april

may oh so four months i didn't work for

four months and then in the fifth month

which was june that was when i got a job

with mcdonald's so yeah i started

working in my fifth month because i was

near

because remember i came with seven

months planned so by four months ago and

i had only two thousands what he left

okay three thousand is what he so i had

to like start working so i started

working as well i think in mcdonald's i

was also earning like one six per month

depends on hours too so i was only like

one six so which was going to be okay

because i won six one thousand is

already going to cover my monthly

expenses so i would have 600 deficits

like i have extra money to save so this

was good but it was a difficult job i've

said it before

but working at the factory was also

difficult i mean you go there by 2 p.m

and come back by 11 p.m so yeah yeah the

same the same for me okay so my next

question is so now

how exactly were you able to pay this

tuition knowing that you weren't earning

so much and you still had like your

regular expenses to cover so the normal

1000 was there how much did you budget

in order for you to pay this tuition

because i think you paid 3 000 euros for

your you

3 600 euros for your school fees so how

exactly did you get to this amount of

money remember i just told you that uh

when i came i only spent like two months

of my six thousands worthy

then i had four thousands worthy so from

design by stay working

and the work was able to cover my

accommodation expenses as well as my

feeding

so

from december january february i was

doing the factory work and then by match

i got an internship job

that's a big company however the pay was

not so good it was still you know

depending on how many hours you worked

and the maximum hours i could work in a

week was uh in a day was six hours yeah

because it was an internship it wasn't a

full-time role yes and again i was also

having to combine school and the whole

internship

but funny enough i think even though

kovid happened it was an unfortunate

incident for a lot of people for me it

was

it was you know it was a blessing

since then i could now afford to combine

schooling which was now being done

online

with working online as well so most of

the time i was now indoors during both

school hours

okay

um

so how much was i earning roughly

probably 2

200 watts from the internship yes

i remember i remember i wasn't working

like as a staff

that does that so

i was saving uh one thousands water

every

month

my plan was

stretched out

i wanted to like save 1000 watts every

month for the next 12 months

that way i can be able to pay my tuition

okay

so a 12 000 is what it was your tuition

no probably like 14 000. okay but you

already had like extra from the preview

my my plan was to you know save one

thousands votes every month for the next

12 12 months that was my target plan

uh however i also had to understand that

my internship was at three months only

so i was now

trying to work harder so that they can

extend my internship

why you know study my books and you know

plan myself

so yes

every month one thousands water until uh

the twenty twelve months now i have a

question if you are saving every month

one thousand swati what about the

expenses so that brings you to saving

two thousands watty every month yeah

remember yes i had i was i told you i

was being paid probably two thousand two

thousand two hundreds water

that is net

bare mind yeah uh so basically i was

saving one thousand for tuition then one

thousand

for my expense aha so okay your salary

was 50 50. yeah right right okay so yeah

that's that's also similar with me when

it came to my money i okay when it comes

to money generally i'm very

uh

i miss thing going money i'm very like

i'm very

proactive practical whatever i like so

uh how did i keep track of my own

expenses so at first remember four

months gone so i had only three

thousands voting left i then took a job

at mcdonald's and

as at that time i was any 1 600 so

basically what i was doing was of course

the normal 1000 for my expenses which

meant my rent

my

boss fares

my

miscellaneous my grocery and all of that

internet credits oh no i wasn't paying

for internet then yeah because the

dormitory we're both saying yes this is

another part we were both staying in the

student dorms so it was a lot cheaper

and affordable for us so so what i

basically did was i was dividing that

money so 1000 was for my expenditure and

then i had 600 which i was saving aside

for

my savings yeah but again i was also

fortunate uh with the fact that of

course i spoke with my school

to ask them how i can go on the payments

payment plan yeah and they told me i

campaigned for like three installments

so yes my goal was to just pay at a book

but i still wanted to know that this is

my backup plan yeah but i don't

take all my savings and just pay tuition

yeah this is very important as well you

can just speak to your school and have

them

give you like a payment plan where you

can eventually pay in bits okay so uh

that brings me to some saving tips that

helped me and i think we shared this

because we've had this conversation

before and we have like similar uh

similar understanding of savings so

basically what i did i do is i

okay i basically divide my cash into

three parts

so every income i make is divided into

three parts we have like one part of it

so one third of the money is for my

savings one-third of the money is for my

rent

and one-third of the money is for every

other thing when i say every other thing

i mean running costs so my house

buying shopping for the house

enjoyment money

flexi money is all inside that money so

one

big rule is in order to get a house if

you want to rent an apartment

if you cannot like if your rent if it is

one over three if your rent is more than

one over three of your earnings then you

have no business renting that house

you're doing something wrong yeah you're

doing something wrong so one over three

specifically for house and make sure not

to pass that budget that's one tip oh

you also have to understand it depends

on how much you are earning you have to

tell yourself what do i want how much do

i want to save at a particular month you

tell yourself okay this is what i want

to save then you remove it from whatever

you are aiming

then try to survive with the remaining

uh-huh so that's more like setting like

goals financial like saving goals yes

like okay what me i did at the beginning

of this year i made a saving golder at

the end of 2021 i should have x amount

of money saved up i have this

application as well that helps me keep

track uh stride i think

it keeps track of every other thing but

i set a reminder that every month and it

has to remind me i had a specific goal i

divided it into 12 the bulk amount

divided by 12 months and how much i

would spend like i would save every

month so that is one way

for saving another way which you

mentioned is the auto debits ones yes i

i still do that till now uh-huh you know

they depict a specific amount of money

and place it into one account for me

yeah and then at the end of the year uh

i realized okay this is how much so

another saving tip that i have is

i'm big on sales make sure you buy your

stuff when they're on sales so you shop

you counter shop like counter weather

shop if that's a word so you shop for

winter

items in summer summer in winter like

that so that way everything is slashed

down and you're buying them at the

cheaper rate another thing is when it

comes to shopping is to compare prices

so i you go around the shops and try to

figure out how much is this how much is

that and you check and basically buy the

cheapest option as a student you really

yes you have no other choice no other

option than to be cheap on clothing

i have a tip

i am not saying that i do this

but it happens uh-huh there are also you

know a lot of uh thrift shops yeah

that's a fairly used kind of i do i i'm

a proud i'm a i'm a proud thrift store

so i'm a proud fisher yeah that's

another thing so guys i have this video

where i went to the market here in

vertov and things are

amazingly cheap there so that's one and

also you could go to thrift stores i

think

in future i would like to do a vlog

about when i go to a truth store and buy

oak rica yeah

yeah when i go and buy okay like i have

this very nice bag that i carry around i

bought that bag for like tens water and

nobody knows that cheaper yeah but you

exactly the next saving tip this one

really helped me because after some time

when i was done with mcdonald's i got a

better job any more money so i was able

to like up my savings remember the one

over three things so i increased my

savings and all of that

what i did was i now had excess money

now when i do one over three what that

means is before my one over three was

about 533 is worthy but now when i start

any more i now had like one over three

more like it was more of course it was

like over maybe two times that so

when it now became like that

of course i now started to feel like i

had a lot of money but what i had to do

in order to save money was i disabled my

atm card i disabled my card yes i

disabled my card and i started

withdrawing cash so i would go like i

budgeted like 100 watts per week so i

would go to the atm and i would draw 120

and have it for that week so anything

that wants to happen let me have because

at some point i i no longer had control

of of my yeah because i felt like oh now

i have

so that's another thing again but then

she also said i mean when she worked at

the factory and then moved to workers

yeah you said you yeah i worked at

mcdonald's

i moved to work in a multinational

company yeah it was nice i was actually

following her i mean yes she moved and i

was like okay i saw this girl she came

here probably like five months before i

came uh-huh and then she moved to a

multinational corporation i'm like ah if

she did it i could possibly do this yeah

i also had people that i used as my own

yardstick for movement like i remember

in my dorm room i had these uh sticky

notes i put them up on my reading table

like because we had like one shelf like

that i put it up there so every time i'm

like just down cast and thinking about

this whole work and school thing and how

like money and everything i just look up

and i see the names of the three people

that were like on my

on my motivation here in this country so

when i looked at it i'm like no no no if

these guys did it i can't do it so i

also had people like that from my own

side so the next thing is to cut

convenience costs anything that is

convenient

see when you are trying to save for your

school fees or

you're trying to

you really need to cut

some unnecessary buying like go and buy

bulk buy buy things in wholesale and

manage your life from there as simple as

that you have to like start cooking more

i mean yeah so cut down on your social

activity yeah

it is an unfortunate

thing to happen but still you don't have

a choice unless you don't want to save

so much i mean because

i'm not saying don't hang out with your

guys but remember whenever you're still

hanging out uh there's a likelihood of

spending more money so most times some

weekends

you spend it in solitary confinement

okay so my last question for today is

when you eventually made the mark of

course

you made the money you were able to pay

for that so the question now is this is

the best part how did it affect your

finances when you moved from the

millionaire jobs where you're earning

lesser and then you got like a more

stable income how did your expenses like

how did your lifestyle change

were you still saving the way you were

saving aggressively or you slacked a bit

because you are now earning more money i

mean the more money you end

the less you save you're still going to

be saving but your

expenses will increase and then

when when i started anymore i was

thinking of moving from the dormitory to

some yeah it happens the moment is that

anymore you're like oh i'm too expensive

for this lifestyle i can't i can't deal

man i need i need my own studio

i moved

also to a studio apartment

that is the major expenses i'm now

making when it comes to rent but however

my lifestyle uh so it's

pertains to feeding habits yeah still

the same has not changed so much okay so

me my own case what happened was like i

said i do one over three of everything

so i still save i still save but i told

you my target has always been you know

half

yeah so one over three where you take

out the savings you take out the rent

and then you do every other thing that

you have to do

and like i said i have like a monthly a

lot that reminds me to like make a

saving because i have a goal like i have

a saving goal for the end of the year so

these tips that we have mentioned in my

own case

helped me to first of all i was able to

save back my school fees by the time i

was done with school like when i was

graduating already had my entire tuition

fee saved up and in his own case i was

broke

when i was graduating i was broke calm

down

in his own case it helped him to pay his

tuition and

be able to re-plan his life now that he

no longer has that expense yeah it's

it's a huge expenses to make i mean just

imagine you saved for one year and then

you just visit only to pay tuition and

then start afraid yeah it's difficult

but at the end of the day it's a goal

yeah it was a goal for me and the moment

that goal is out now you know that

you're done with school so whatever

money you're making is for whatever the

next project is or whatever investment

or saving or whatever you wanted for so

the difference between case a and case b

is case a would

most likely have more money at the end

of the day because you had financial

assistance this is not the most likely

case it is the case she's going to have

but if

well yeah it's going to have more money

because you're going to just be saving

for the sake of saving while case b

would eventually

be able to pay the tuition and those

expenses and at the end of graduation

may be left with nothing like not so

much but you will be starting on a

cleaner slit disclaimer is not a walk in

a park it's not easy at all it is not

easy see i do not reckon do you

recommend this no at a point you get

frustrated do you recommend this oh no i

missed out i missed out on a lot of

trends i was not hanging out with my

friends and i was not

having so much time to myself yeah so

it's not recommended it's not like it's

impossible but it's a very difficult

thing to do but at the same time it's up

to you if you have the finances to

like if you have sponsors who are

willing to pay for you good and fine but

if you don't have and you're able to

like whip up the first part and pay and

get here then you can use these tips

that we have shared so yes guys that is

a wrap that is the end of the video

thank you so much for watching till this

point if you watch till this point do

not forget guys to subscribe do not

forget to give this video a thumbs up do

not forget to comment i'm also open to

video recommendations so feel free to

also write whatever recommendations you

have

and guys i will see you guys in the next

one

[Music]

take it bye