I have an interest or a hobby, and maybe it's been passed down from generations, but maybe

I've learned it myself.

And this is called how to save money.

So, one of the things I...

One thing that I don't like is to spend a lot of money on things, but unfortunately,

sometimes you have to spend money.

So, if you are like me and you want to save your hard-earned cash, dinero, money, you're

going to be interested in this lesson on how to save money.

First of all, we have some terms that we use for people, like myself, who like to save

money in their bank account.

If you, again, would like to give me money, please donate at www.engvid.com and I will

be the happiest person in the world, next to you, because the joy of giving money is

amazing.

So, you can use the word "penny-pincher".

So, a long time ago we had a one-cent coin.

It was called a penny, so a "penny-pincher" is someone who likes to save money, so they

pinch their pennies together and they don't want to give it to people.

This is a noun.

You can say: "She is-Ronnie-a penny-pincher."

The other word that we have is: "frugal".

This is a difficult one to say.

"Frugal".

This is an adjective, we can say: "He is frugal", so both of these words mean you do not like

to spend money.

So these are positive ways to talk about this, but we also have negative ways.

So, we have: "cheap", "tight", "stingy", "stingy", and "close-fisted".

Now, all my friends in Brazil, hi.

You guys have a really funny expression for this, you say: "cow-hand", pata de vaca, I'm

not too sure how to say that in Portuguese, but I'm going to learn it.

These expressions are a negative way to say someone is a penny-pincher.

So, the difference between someone who is cheap and someone who is a penny-pincher is

the penny-pincher will actually buy something that they need, but it will be cheaper; if

somebody is cheap, or tight, or stingy, they don't buy what they need.

So, as an example, we can say: "He's so cheap, he won't buy his kids new shoes."

So this implies that: "Hey, Dad.

Guess what?

I need some new shoes", but the man is so cheap or so tight that he will not buy the

shoes.

So you have to be careful of these people, especially if you're going out to dinner with

them, because they probably will try not to pay their portion of the bill.

Cheap people, be warned.

So, penny-pincher and frugal are positive; cheap, tight, stingy, and close-fisted are

negative.

So, tips.

You want to save money?

Hang out with me.

I do it all the time.

One of my favourite things is an app.

In English pronunciation we don't say: "a-p-p", we actually say: "app" or there are "apps"

that you can use to save money.

My favourite one is called Flip, and it teaches me or it shows me what products are on sale

at each supermarket.

So, let's say I wanted to buy grapes, I would type in the search: "Grapes", and it would

tell me what supermarket has the cheapest grapes that week.

This is amazing for Ronnie, because what I used to do is go through the flyers of each

store.

So, flyers are newspapers that the grocery stores or stores give you to let you know

about the sales.

It's like a sale newspaper.

And we get flyers delivered to our house.

Most people look at them and throw them in the garbage.

But not I, I would go through the flyers, determine: "Where's the cheapest place to

buy eggs?" or whatever, and I would go to that store.

I can save you a lot of money.

And it's completely legal, which is always cool.

Rule number two: Never buy anything full price.

You need new shoes?

Wait until they go on sale, unless you have no shoes, like this kid's dad.

Never buy anything full price.

Wait until it goes on sale.

I guarantee you it will go on sale, and if it doesn't, then buy something that does go

on sale.

So I have a rule: If I want something, I will wait and wait and wait patiently until it

goes on sale, and then 50% off, Ronnie's got a half-price new shirt.

Woo!

Oh, this might be hard for some people, the temptation of the shopping mall.

Hey, if you want to save money, just don't go to the mall.

This sounds a little bit logical, but what happens when you go to the mall?

You see something...

Or don't go to stores.

Don't: "Oh, I'm just going to look or browse at something", and all of a sudden you want

that or you need that.

You don't need it, so don't go to the mall or don't go to the store unless you need something.

Don't just go there and hang out, and look at things.

This is a really amazing money-saver: Don't buy coffee at a coffee shop or don't buy your

lunch every day.

Okay?

Think about how much money you spend in one day, multiplied by one week-Johnny, I'm not

doing math again-on coffee.

So, for example, in Canada I can go to a terrible coffee shop and I can get a very big coffee

for $2.

So every week...

Uh-oh.

I think that's $10, times a week, times a month, $40...

Oh, I did math.

$42, done.

You can save yourself $42 a week if you drink your coffee at your house.

Same thing with your lunch.

We have an expression, it's called: "brown bag it".

If you say: "brown bag it"...

If you say: "brown bag it" it means you don't buy your lunch; you actually make your lunch

at your house and you put it in a brown bag.

Do you know what?

You can have a pink bag, a blue bag, it doesn't matter; the expression is brown bag.

"Every day" should not be one word, it should be two words.

So, let me get my correction marker...

And don't buy a coffee or lunch every day.

Make your lunch, have a coffee at your house.

This is one of the most exciting things that I get to do in my life, okay?

I go to the supermarket and I look for stickers.

We have really famous supermarkets in my...

In my city.

Walking in my city of Toronto, and Ronnie goes directly for the half-price meat section.

All the meat is still fresh and wonderful, but at a certain time, it becomes half price.

Whoa, hello.

Half-price steaks, anyone?

Also you can get half-priced flowers, you can get half-priced anything if you keep your

eye open.

Cheese.

The half-priced cheese section is quite wonderful, too.

I will go after work into the supermarket, oh, ding, and I see the sticker and I'm the

happiest person in the world again.

So, anything you can buy at the supermarket that's half-priced, you're going to eat it

tonight anyways, it's half price.

Wow.

This comes to another section in the supermarket or if you go to a clothing store, they are

probably going to have a discount or a clearance section.

It basically just means that the product has been in the store for a long time, maybe it's

been returned, or nobody's bought it.

Maybe it's really ugly and nobody wants it, except for me, I'm: "I'll take that terribly

ugly shirt for $5.

Hook me up."

So if you can find the discount or the clearance section in most department stores and supermarkets,

you've already saved yourself money.

This is getting exciting.

This is a fun topic, too.

There's been a trend recently that people want organic things.

Okay, I have a question for you: How do you really know it's organic?

So instead of spending $2 on an avocado, you get to spend $6.

Do you know that avocado is organic?

Did you go to that place where it's grown and check out the soil?

I don't think you did.

I think it's a scam.

It's a scam to get your money.

So I don't buy things organic, that are organic.

I buy the cheaper things.

Another thing you can do is you can switch the sticker, so if the avocado is organic

and you just get a regular one, and you put the regular price sticker on the organic sticker,

you've got your organic $2 avocado.

You did not hear that from me.

I will never go to a supermarket again without a disguise.

[NOTE: THIS IS A JOKE!!!]

This is a good one, too.

Hey, you have to go somewhere?

Walk.

Ride a bicycle.

Taxis are an amazing amount of money, drain on your wallet.

You have feet, you have legs, cool.

If you don't, please take a taxi because it would be difficult to walk.

So, taking a taxi, that's a lot of money.

Even Uber, Uber can cost a lot of money as well, so take a tax-...

Don't take a taxi.

Take public transportation.

Jump on the bus.

It's a trip and a half.

If you would like me to pinch your pennies, you can donate your pennies.

I'll take them.

www.engvid.com.

Looking for your money.

And if you have money-saving tips, please put them in the comments and let's try and

save some money.

Save the whales.