Under the Median
Under the Median
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Six Important Money Lessons Dave Ramsey Taught Us
When I first heard Dave Ramsey, I thought he was a little radical - and sort of crass - but Dave definitely grew on me. Let’s talk about the lessons which Dave taught us, because without Dave Ramesy, we may not have stayed debt-free.
//FRUGAL FINANCE PLANNER BONUS PACK: pages.underthemedian.com/budgeting-made-easy-special
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○ Honey: (Coupon Browser Extension) :www.joinhoney.com/ref/m7n46co
○ Rakuten: (Cash Back!) www.rakuten.com/r/HOPEWA158?eeid=28187
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//WATCH MORE VIDEOS ABOUT MANAGING MONEY:
○ 15 Habits We No Longer Do: czcams.com/video/j7SwTkIojE8/video.html
○ Create Your Budget in Under 30 Minutes: czcams.com/video/l19gcfAOl-o/video.html
○ Save $1000 This Summer (Even on A Tight Budget): czcams.com/video/2u6_JGaMO78/video.html
// FREE RESOURCE
Learn how we slashed our budget dramatically in this FREE eBook, "Ten Ways to Radically Reduce Your Expenses": www.subscribepage.com/radically-reduce-expenses
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//COME SAY HI!
Our website: underthemedian.com/
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//ABOUT:
We're Hope and Larry and we love practical frugality. We raised our four sons, debt-free, including paying cash for our home when our income was well under the national average. For tips on saving money, budgeting, paying off debt, and setting goals (while living with a spirit of joy and abundance), subscribe to us here on CZcams and visit us at our website and on social media.
Information on Under the Median represents our opinions only. We are not medical doctors, medical professionals, nutritionists, or investment professionals. All content found on Under the Median is intended for informational purposes only. Please be sure to exercise due diligence and always contact a professional with any questions you may have regarding any information you have seen or heard on our CZcams channel. Use caution when following instructions in this video. The creator and publisher of this video will not be held responsible for any adverse effects that may arise from the use of any method on this channel.
//CONTACT:
For all inquiries, please use this email: hope@underthemedian.com
zhlédnutí: 1

Video

How to Stop Overpaying for Five Important Expenses
zhlédnutí 13KPřed 9 hodinami
Go to our partner mintmobile.com/underthemedian to get premium wireless for as low as $15 a month. Special offer: New customers can get any plan for $15/month when they purchase a 3-month plan. $45 upfront payment required (equivalent to $15/mo.). New customers on first 3-month plan only. Speeds slower above 40GB on Unlimited. See trymintmobile.com for more details. //TOOLS AND SERVICES WE RECO...
15 Frugal Habits that We No Longer Do
zhlédnutí 32KPřed 18 hodinami
Frugal-living is not "one size fits all". After having been frugal for 36 years, what really common frugal habits do we just NOT do? We’ll talk about fifteen of them AND give you a bonus habit at the end of the video. //TOOLS AND SERVICES WE RECOMMEND: AFFILIATE DISCLOSURE: Links included in this description may be affiliate links. We participate in the Amazon affiliate program and several othe...
Easy Ways to Stop Wasting Home Energy and Lower Your Bills
zhlédnutí 11KPřed dnem
In this video we talk about how to stop wasting money (and energy) when it comes to your utility bills. If you get your utility bill each month and feel like you’re just throwing money away, you may be. Studies show that 35% of home energy consumption in the U.S. is wasted energy - that’s energy you're paying for but isn't doing you any good. //MENTIONED IN THE VIDEO: ○ Kill-a-Watt Meter: amzn....
Affordable and Fun to Ride: The MoonCool TK-1 eTrike
zhlédnutí 2,9KPřed dnem
If stability or health issues have kept you from riding a bike, the Mooncool TK-1 can give you a second chance at cycling again at an affordable price. Shop MoonCool eTrikes: www.mooncool.com/?ref=epsvnbzq //USE OUR MOONCOOL DISCOUNT CODE: ○ SAVE 6% with code: UnderTheMedian ○ OR Save $150 with the code: LARRY150 ($150 off over $1500) AFFILIATE DISCLOSURE: Links included in this description may...
How to Save Hundreds of Dollars on Summer Expenses
zhlédnutí 12KPřed dnem
Oupes Father's Day Sales Page: shrsl.com/4kjel Share Moments with Super Daddy Contest: bit.ly/45aUqAW Facebook Group Contest: bit.ly/4aRPceE Use 5% OFF Code: Under AFFILIATE DISCLOSURE: Links included in this description may be affiliate links. We participate in the Amazon affiliate program and several other affiliate programs, as well. If you purchase a product or service with the links that w...
Easy Frugal Cooking Techniques That Lower Your Grocery Bills
zhlédnutí 19KPřed 14 dny
Today, we're not talking about clipping coupons or comparison shopping. We're showing you super-easy food prep techniques that will save you hundreds of dollars every year. //MENTIONED IN THIS VIDEO: ○ FREE Guide to Saving on Groceries: underthemedian.com/grocery-savings/ ○ RECIPES FROM THE VIDEO: underthemedian.com/easy-frugal-cooking-techniques-that-save-hundreds-of-dollars/ //TOOLS AND SERVI...
Frugal Ways to Survive the Rising Cost of Rent
zhlédnutí 9KPřed 14 dny
You just got a notice. Your rent is about to increase - substantially. In this video, we tell you step-by-step how to survive the rising cost of rent. Rent is part of what we call “The Big Three”. It’s one of the cornerstones of your bare bones budget - which includes food, housing, and transportation. You absolutely NEED to fund these three large expenses in your budget. Therefore, you must de...
The Best Frugal Tips from Our Viewers
zhlédnutí 22KPřed 21 dnem
Welcome to coffee chat, where once a month we drink great coffee and chat. This month we're featuring the best frugal tips sent in by our viewers We're drinking dark roast Fire Department Coffee. Part of the proceeds go to help first responders and their families. Here's a link: www.firedeptcoffee.com/ // FREE GUIDE: "Ten Ways to Radically Reduce Your Expenses": www.subscribepage.com/radically-...
23 Important Questions Frugal People Ask Before Buying
zhlédnutí 17KPřed 21 dnem
This video is like a frugal pre-buying checklist - filled with super important questions to ask yourself in order to prevent impulse purchases and overspending. We'll cover 23 important questions frugal people ask before buying. Over time you’ll be able to use these tools to consistently spend less and save more - and if that’s your goal, you’re in the right place. //MENTIONED IN THE VIDEO: Lin...
Frugal Driving Habits to Maximize Your MPG
zhlédnutí 9KPřed měsícem
It goes without saying that when it comes to filling up, always look for the best price at the pump. But, what most people don’t realize is that there is a LOT you can do to minimize gas costs by maximizing the MPG you get. It’s about how you drive and that’s what we’ll focus on in this video. AFFILIATE DISCLOSURE: Links included in this description may be affiliate links. We participate in the...
How to Save $1000 this Summer (Even on a Tight Budget)
zhlédnutí 26KPřed měsícem
We’ve all seen videos on how to save $1000 in a month or $10,000 in 3 months, but those numbers can be daunting for many. So, let’s break it down to a more realistic goal - saving $1000 over the summer. You can do this! - even if your budget is tight. //MENTIONED IN THE VIDEO ○ Grocery Super Saving Bundle (with FREE Guide to Frugal Picnics): www.subscribepage.com/grocery-super-savings-bundle ○ ...
Update on Our Health and ... Is Larry Back on an Ebike?
zhlédnutí 10KPřed měsícem
It's time for a quick frugal family update on our accidents and how we are healing and what the doctors predict for our future health. We also let you in on all the details on a great sale from Magicycle. AFFILIATE DISCLOSURE: Links included in this description may be affiliate links. We participate in the Amazon affiliate program and several other affiliate programs, as well. If you purchase a...
How to Find Money Leaks and Plug Them
zhlédnutí 11KPřed měsícem
Go to our partner www.mintmobile.com/underthemedian to get premium wireless for as low as $15 a month. Special offer: New customers can get any plan for $15/month when they purchase a 3-month plan. $45 upfront payment required (equivalent to $15/mo.). New customers on first 3 month plan only. Speeds slower above 40GB on Unlimited See trymintmobile.com for more details. New customers who purchas...
How to Find Frugal Summer Fun on A Budget
zhlédnutí 9KPřed měsícem
If you (and your budget) are ready for summer fun, then you’re in the right place. In this video, we start with tips to help you totally organize summer fun schedule and then give you ideas of where to look for free or frugal summer fun. //TOOLS AND SERVICES WE RECOMMEND: AFFILIATE DISCLOSURE: Links included in this description may be affiliate links. We participate in the Amazon affiliate prog...
Oupes Exodus 600: Portable Power at an Amazingly Low Price
zhlédnutí 2,5KPřed měsícem
Oupes Exodus 600: Portable Power at an Amazingly Low Price
What is "Spaving" and Is It Costing You Money?
zhlédnutí 13KPřed měsícem
What is "Spaving" and Is It Costing You Money?
The ONLY Thing More Important Than Financial Goals
zhlédnutí 18KPřed měsícem
The ONLY Thing More Important Than Financial Goals
Do You Need to Make $250,000 to Live Comfortably?
zhlédnutí 14KPřed měsícem
Do You Need to Make $250,000 to Live Comfortably?
Coffee Chat: Frugal Q & A and an Exciting Announcement!
zhlédnutí 17KPřed měsícem
Coffee Chat: Frugal Q & A and an Exciting Announcement!
Are Frugal Habits REALLY Helping You Save Money?
zhlédnutí 14KPřed 2 měsíci
Are Frugal Habits REALLY Helping You Save Money?
Top Eight Frugal Ways to Lower Your Grocery Bill
zhlédnutí 40KPřed 2 měsíci
Top Eight Frugal Ways to Lower Your Grocery Bill
How Much Have Aldi Prices REALLY Gone Up?
zhlédnutí 17KPřed 2 měsíci
How Much Have Aldi Prices REALLY Gone Up?
8 MORE Habits to Avoid If You Want to Save Money
zhlédnutí 17KPřed 2 měsíci
8 MORE Habits to Avoid If You Want to Save Money
8 Habits to Avoid if You Want to Save Money
zhlédnutí 21KPřed 2 měsíci
8 Habits to Avoid if You Want to Save Money
ONE Hack That Will Transform the Way You Budget
zhlédnutí 17KPřed 2 měsíci
ONE Hack That Will Transform the Way You Budget
Practical Ways to Adjust Your Budget for Rising Prices
zhlédnutí 18KPřed 2 měsíci
Practical Ways to Adjust Your Budget for Rising Prices
10 Overlooked Expenses That Will Wreck Your Budget
zhlédnutí 32KPřed 2 měsíci
10 Overlooked Expenses That Will Wreck Your Budget
Money-Saving Frugality Tips from Our Viewers//March Coffee Chat
zhlédnutí 30KPřed 2 měsíci
Money-Saving Frugality Tips from Our Viewers//March Coffee Chat
Easy Frugal Ways to Save Money in 5 Minutes or Less
zhlédnutí 39KPřed 3 měsíci
Easy Frugal Ways to Save Money in 5 Minutes or Less

Komentáře

  • @melindaunknown6411
    @melindaunknown6411 Před 4 hodinami

    9:47…..Alternative to toilet paper….Beware of using leaves! You might get seed ticks, or chiggers! Even worse, if it could get worse, you might accidentally use poison ivy or poison oak.

  • @melindaunknown6411
    @melindaunknown6411 Před 5 hodinami

    Raise your hand if you remember people putting a brick in the toilet tank to save water, back in the 70s. Please don’t try to put one in the car’s tank. 🫨

  • @RealFocuss
    @RealFocuss Před 5 hodinami

    God bless you both. (Hi from Kosovo).

  • @marilynrybak9154
    @marilynrybak9154 Před 9 hodinami

    Please people- vote for change this November. We need to get back to economical sense and lower taxes!

  • @jaletaanderson727
    @jaletaanderson727 Před 12 hodinami

    Thanks!

    • @UndertheMedian
      @UndertheMedian Před 7 hodinami

      Thank you for the super chat. We appreciate it.

  • @dabneydee9109
    @dabneydee9109 Před 12 hodinami

    Anybody have experience buying a used car from a shop that sells only used? Or from one of those online-only companies? I've been doing research over the last year and feel hesitant to buy anything but a certified pre-owned from a proper car dealership.

  • @Michelle_Ellen87
    @Michelle_Ellen87 Před 14 hodinami

    Omad is easier when you fill up on meat and eggs. The animal protein and fat keep you satiated. A little hard to do when you eat vegan. 🤷🏻‍♀️

  • @sallyprzybil2404
    @sallyprzybil2404 Před 14 hodinami

    Love how you go through all the features. Thanks.

  • @thewatchers101
    @thewatchers101 Před 15 hodinami

    For prescriptions use Good RX

  • @SLynn-ud6vg
    @SLynn-ud6vg Před 16 hodinami

    It's amazing how busy the neighborhood gets when you're trying to film a video! 😂

  • @ybois3
    @ybois3 Před 16 hodinami

    This is super helpful ! Great tips , thank you

  • @sallyprzybil2404
    @sallyprzybil2404 Před 17 hodinami

    I gifted my old, old car to Cars for Kids. They learn to fix the cars.

  • @sallyprzybil2404
    @sallyprzybil2404 Před 17 hodinami

    Just moved to a new house. No room for a garden, but I will put in some raspberry bushes, and blueberries. They’re expensive at the grocery store and the bushes grow year after year.

  • @pinkynainajeyaraj1837
    @pinkynainajeyaraj1837 Před 17 hodinami

    Fad Fast Fashion at diminishing rate or demand People should create their own Fashion with what they ve 😊❤

  • @lydiabudgetsmore622
    @lydiabudgetsmore622 Před 17 hodinami

    Check with your insurance because some rx is free if you use their online home delivery pharmacy. All of my diabetes rx are free because I use my insurances online home delivery pharmacy

  • @jens7898
    @jens7898 Před 18 hodinami

    Praise God I am Christian & Christian's do NOT partake in witchcraft/sorcery (pharmakeia) as it is an abomination to God so this is an expense Christian's don't & will never have. At 60 years old I have my health as a result.

  • @jumpinjavajane8253
    @jumpinjavajane8253 Před 18 hodinami

    Recently, I was placed on an antibiotic. After I saw the doctor, a text popped up and I was shocked it showed $65. Then another text said something like 'show this text for a discount'. Perhaps they also informed the pharmacy because without me saying anything, the cost was $15. So, maybe also ask your physician about getting your prescription discounted.

  • @graceerhart5796
    @graceerhart5796 Před 22 hodinami

    as Civil War Re-enactors we use hydrogen pyroxide to clean our rifle barrels. We just have to make sure that we rinse them well; I take my rifle barrel out of the rifle, and take a shower with it. It gets it really clean. Then I clean the shower!

  • @maryburt3114
    @maryburt3114 Před dnem

    <=Minw qould last about two years or a little more.

  • @botialoach1
    @botialoach1 Před dnem

    One thing to watch out at hotel refrigerators is the stuff they have are expired because nobody used them before and the hotel never checked expiration dates

  • @ahnonamos
    @ahnonamos Před dnem

    These are great. Thank you

  • @pjlacey3990
    @pjlacey3990 Před dnem

    We always travel with a case of water. $2.49 for 24 bottles. Water is always questionable in different cities. When we had hockey tournaments we always packed a cooler with healthy foods for our sons. Still lots of eating out with the team but this really helped!

  • @doglvr7264
    @doglvr7264 Před dnem

    Yes that’s me

  • @doglvr7264
    @doglvr7264 Před dnem

    How do store things when buying in bulk?

  • @MarkGraham-rd5td
    @MarkGraham-rd5td Před dnem

    I haven't purchased a new cellphone in years. Myself I think that a big waste of money. If it works don't buy anything you don't need. That saves money.

  • @katethielmann4244
    @katethielmann4244 Před dnem

    Breakfast tortillas......scrambled eggs, tomatoes, Mexican cheese or Parmesan.

  • @LearnToLiveJulia77

    Do you have any tips on saving money on hotels?

  • @anneiconex1473
    @anneiconex1473 Před dnem

    Your hair is pretty 😊😊😊😊😊😊😊😊

  • @traceydufault297
    @traceydufault297 Před dnem

    Great tips guys

  • @marilynrybak9154
    @marilynrybak9154 Před dnem

    I have cut back on watching fashion CZcamsrs or when I do- I shop my own closest. I found by watching fewer fashion videos I am saving money by not feeling like I need to buy more clothes or shoes.

  • @lillynevers7305
    @lillynevers7305 Před dnem

    Not applying for a grant for my graduate year of college is my biggest financial mistake. My now husband applied and told me and all of our friends about it, I thought there was no way I would qualify. Turns out that year they had so few applicants that everyone was accepted (including my husband and our one friend that listened to him). I would have saved $16K plus the interest it costs to pay back the loan.

  • @marilynrybak9154
    @marilynrybak9154 Před dnem

    Go through your credit card statements and cancel subscription services and or any reoccurring charges!!!!!! Also, research options for places that offer free shipping (like Walmart and others) and seriously consider getting rid of Amazon Prime. It will save you lots of money- by buying less “stuff” and will save you that reoccurring Amazon Prime monthly fee! I am currently working on getting my husband to realize this and agree to cut Amazon Prime fees! Example- last night- I found another product supplier for HVAC filters we needed- not only were the two filters $35 less than Amazon’s lowest price, I also received free delivery without having to pay for a subscription to getting free delivery! I think I have him convinced now. I can’t wait to cut Amazon Prime! I’m t will be liberating.

    • @marilynrybak9154
      @marilynrybak9154 Před dnem

      We buy a lot of gifts for family via Amazon Prime- but I suggested to my husband (who is reluctant to cancel Amazon Prime) that for the next year we can buy a gift card and mail it as our gift for the price of a postage stamp (instead of paying that monthly reoccurring Amazon Prime charge)! Just for a year- to see how much money we can save by not using and paying for Amazon Prime. And, we can also send gifts via other retailers who offer free shipping without having to pay a monthly fee. So, we can do a combo- some gift cards and some selected gifts from places that have free shipping. It can be done!

  • @marilynrybak9154
    @marilynrybak9154 Před dnem

    Recommend people research and reconsider what they eat- to reduce medication related to health. Most people are eating an ultra processed food diet and this engineered fake food is making people sick. Switch to eating whole / fresh vegetables, fruits, wild caught seafood, fresh whole meats, free range eggs, nuts, seeds, olive oil and avocado oil, etc. And, get rid of or drastically reduce sugar in your diet!

  • @ginnymiller5894
    @ginnymiller5894 Před dnem

    I have a special funnel that hold the upside down bottle until it is empty.

  • @cathylingo9521
    @cathylingo9521 Před dnem

    We only buy new cars and keep for many years. Currently have a truck that is 25 years old and a minivan that is 16 years old. Just keep up the maintenance and they will last a long time. A used car, you don’t know how well the previous owner took care of it.

    • @peggyfiedler1556
      @peggyfiedler1556 Před 17 hodinami

      I've always done it this way. Only used cars from peeps and vehicles, I know.

  • @Rightonright
    @Rightonright Před dnem

    Frugal living inspires creativity and individuality imo.

  • @als7594
    @als7594 Před dnem

    If you're looking for a Solar Generator for backup power, a company called Wellbots has several deals each month where you can bundle a unit with solar panels and even additional batteries. It can add up to hundreds of dollars in savings over buying individual accessories. A piece of advice if you are looking for a new or used cars wait for another three to six months. Things are getting dicey for car dealers and people have really pulled back with making big purchases. Wholesale prices at the auto auctions are dropping fast and it takes a few months for the dealers to drop the prices on the lots.

  • @PJ-gb1rm
    @PJ-gb1rm Před dnem

    In my town, there was a car rental company that resold their used cars. Rental cars can be used hard, but they are usually sold with around 20,000 miles, sometimes less. They thoroughly refurbished the cars prior to sale. I bought two of them at a very good price, and ran each of them for more than 10 years.

    • @lillynevers7305
      @lillynevers7305 Před dnem

      I bought my car this way too. It was a year old with 26k miles but came certified pre-owned. I still have it 11 years later and it is still going strong because I take care of it well.

    • @nesser1352
      @nesser1352 Před dnem

      I bought a rental car from a dealer too, I still have it. Bought it in 2017 with 17000 miles for about 12500 (Nissan sentra) back when you could get a used car for a decent price

  • @saundrajohnson1571

    Funnier???🙅🏻‍♀️

  • @alinamasotti404
    @alinamasotti404 Před dnem

    Another benefit of buying used boos, look for one that has a lot of notes in them. The previous owner’s notes helped me out so much when reading and forming papers off of those.

  • @ksewald91
    @ksewald91 Před dnem

    I have severe UC. My treatment Rx is $8000 every 2 months plus getting it by IV. Dr was able to find help from someplace for it as we couldn't afford it. What a blessing! Only pay for copay for getting it administered.

  • @user-wo1en8ip3s
    @user-wo1en8ip3s Před dnem

    Used textbooks: When I was in college, they were in demand because they contained notes from the previous user.

  • @noreenp.9858
    @noreenp.9858 Před dnem

    We look for hotels that include breakfast. (if they have fruit, you may take a piece for later) We eat a good breakfast and usually just have a snack for lunch so dinner is our only expense. Look for coupons and discounts on area restaurants for saving on the dinners too.

  • @Pamsgarden213
    @Pamsgarden213 Před dnem

    Great video!

  • @doreenplatt3873
    @doreenplatt3873 Před dnem

    I wonder how Chick-fil-A feels about having a vegan employee?

    • @marilynrybak9154
      @marilynrybak9154 Před dnem

      I’m sure they don’t care! Chic fil a makes an awesome kale salad!

    • @doreenplatt3873
      @doreenplatt3873 Před dnem

      @@marilynrybak9154 That is the first good thing I have ever heard about that place.

  • @gingyyycakes
    @gingyyycakes Před dnem

    "Best benefit I got out of college" AWWWW LARRY 😭😭😭

  • @brg2743
    @brg2743 Před dnem

    You can rent books from college bookstores. You can also buy digital versions cheap from the bookstores too. Keep the receipts so you can return them. Keep them in good shape too. They can mail them to you if you want to order them before classes start. Sometimes professors say wait until the first class before purchasing.

  • @readyornot316
    @readyornot316 Před dnem

    I started the college conversation with my daughter at age 9. As a single parent, I couldn’t afford to pay her tuition so she planned accordingly. You’re correct-community service is key, as well as participation in a team sport and music (ie band). She got a full ride to a State school, obtained employment from her internship, and that job paid for her masters degree.

    • @AM55EP
      @AM55EP Před dnem

      Wow 🎉

    • @UndertheMedian
      @UndertheMedian Před 7 hodinami

      Congrats to you and your daughter. That represents a lot of focus and hard work. Well done!

  • @akronrats
    @akronrats Před dnem

    I overheard a conversation at the dealership last Saturday while I was having my car serviced and a friend who just bought a car told me the same thing. With the availability to research fair market value on vehicles - the dealerships don't really discuss price and make deals anymore. But, your absolutely right about all the little things that can be added.

  • @jillautismhomeschoolmama6994

    Pet rx- go to Costco or Sam’s! My dog uses apoquel, there’s no generic. The vet charges something like $140 a month. The club stores charge around $60 a month with the premium membership. HUGE savings. Pays for the premium memento within a couple months, and then you’re even earning cash back on other club purchases.