it's carol ricard america's wellness ambassador and welcome to the well you show i'm joined again today by my guest co host angel torture really when bach who is also known is the pain detective and we have is also known as the wellness coach and our mission with this show is really to bring people the tools they need to live well today so angel is wearing green it gives you a hint of what we're going to talk about today we wish this was a real one million dollar bill but this is what we're talking about today money and i used to have this group that i did in the hospital for twenty five years and i couldn't call  budgeting i did loan color finance because those are all boring things so i called it money matters usually i don't let these ladies know what we're actually doing but i did this time i gave my homework assignment and told them they had to fill this out so they could bring their answers so that we could then spend our time share and all the answers so that's what we're going to do we're going to talk about money matters because it does when you don't have it it matters and when you do have it it matters which is why i came up with the name so we're going to do it brainstorm and we're going to start off with ways to people spend money suspend more i should say right and then ways we can save war  let me get this written up here and if you ladies get to do your homework yes i'm yes so we're going to say then more oh wait we're going to be color grouped women purchases i just you know because i was going to individual yeah but i was thinking about when you're i like odd line when my whim well if i like what you said i think this is how you spell it is kind of broad or another word i don't know if you have this would just be an impulse of yeah sure since i have it well let's put both because i think sometimes i can be impulsive and sometimes i can be on a and i got my first credit card application and i was like felt like such a grown adult until late for act up all the bills and then it was like oh it was so easy you know all right i'm going to i'm going tell you guys one of my what i used to do on my way to work is it used to stop it don't condone it and get a cup of coffee it was on my way home and one of the things i used to do is spend a dollar thirty two for medium coffee every day on my way home  i know is it in one day they had coffee on sale as i go to you know what i did i so i took the bag home and i made my coffee at home do you all know that i got thirty two coffees for six ninety nine i had actually counted a cup of coffee because that's it all right how about angel so i put another category things you have no choices about so like he taxes well if you ever spent more money on heat and then have you ever found a way to save that money on here so what was the spending more just turning up you know turning up the temperature yeah  that's that's that's important so there are a few big categories i didn't give these ladies any hints but let me give you a couple big categories there is food around food transportation there's housing you know and i think of those is kind of like the big east and we could say health care too because that's another big in our lives that yeah we might have to spend money on but how do we spend more money and how can we save some so that's excellent first one that i don't leave enough time for the second one so i'm going to be trying to be mindful of that all right i'm going to do you you said eating out and then there's another one that really is similar but different i think of eating out as you go out to gasoline you know ok so transportation yeah and cars and you know kind of like let's just let's just say gasoline because i think where you go brainstorming ideas because these we're going to talk about things that we can all take action on you know even if we take so many takes one or two things you know and takes it away then guess what they've worked well you know you have save money little bit i first off made up be able to tell because i got a few gray there now but i will color my own hair yeah i will not pay seventy five dollars just to go all skank you know how much so yeah yeah but i curly hair and so one of the things is that i will drive to violin to jersey to get my hair cut from where i live it takes me almost two hours well and the reason being is that the same man his credit now for almost thirty years i understand for budget not budgeting so yeah my my patients used to say while having money i don't need a budget i say well that is exactly what i needed to have a budget when i was in college and i had no money because i had to know what little bit i had where it was go so i think that's good all right i want to throw a couple categories out to you let's just bring storm if you don't have any other spends on there now and that's that if you think about food think about ways you will spend more money at a grocery store i need to and it gets back over here so yeah i know somebody else that all the time how well how much shopping when your children were younger did you ever notice if you shopped with kids it made a difference yes so i purposely would eat an apple and drink a glass of water before it was a good i tell you another one i've learned shopping do not taste test because taste testing i have been did up buying stuff that if they're not a good saturday was the right hand actually cost people a whole lot more money back remember the day the myself when they didn't have unlimited plans yeah and if you win over your minutes or if you went beyond the roaming s last year i was paying four dollars and fifty cents for a gallon right well this year paying a dollar ninety nine because i complained they put me in the price last thing and the bills that i get so when they fill up my tank it's like  hundred thirty four dollars i look back to last year i had fourteen fifteen hundred dollars gas bills and i'm like holy crap i should done this year i was always afraid of these kind of price locks the nation has but actually it is i think they work a little bit and you know like i was always afraid if it goes down but this is taught me i have saved thousands of dollars between this year and last is not going to go down your throat yeah yeah yeah so so this is this is really good i'm going to stick with the greenwood just we'll just stay with green that way we won't screw up anybody so what i want to do now is talk a little bit about c even money because this way we've got about the equal amount of time left to to vote to that so go to your saving column and you know these are things that we can do so i want to add that one right there and that one's going to be around my gas yeah i used to you know when you say check prices because i think checking prices you know now with a computer that's what i did to compare prices for even propane you know was look to see who has it so we can kind do that got under that we are also and i'm lucky i have a wood stove in the basement to use that it's a little bit more bring your own yeah i would make my lunch and bring it you guys i would even i would even use the hospital cafeteria i had coworkers who would go to the cafeteria every day i guess is i got to be too cheap you know that i would just make my lunch and bring it with me  oh right so i was actually talking to sharon and she said she did some research and i'm going to put research but also i think education goes a long way because when i had to buy a car that's what it is actually educated myself through consumer reports so i went in there i spent the fourteen dollars to know how much the dealer price was you know so when they said i just went in and said listen well actually i did over the telephone you know i'm looking to buy this and i'm only willing to spend two dollars over invoice if you're willing to sell it to me i'll come in if you're not yesterday nowadays you can go online and just like look at your cars and i can imagine what that's like when he think doing our education too is really important i have another save all right so i'm trying to pick one that well i don't can't do this but make your own cost that all right they're all one way there is a better one so so listen i don't think many people watching are going to make their own clothes i certainly am not going to when i tell you what i know you have you ever gone to so so we're all we're filming in prince yes yes i know we're going to say and i'm putting a specific red white blue and i'm like thinking to myself what is this place and then i went and i was like oh my god well the cash yeah oh i know it's not you don't like they get them from all over the place you guys you know that yeah i got yeah a lot of trouble those kinds of stories years ago even though i was stating i was going away to get home and yeah wait that reminds me put this one back here because it's one of mine and i really you people think of it is saving but another one who just lost my was going to tell you guys what to mine it has to do with food and i used to over buy and what i mean by that is that if i needed one bag of chocolate chips yeah buyer i took stuff back i actually would buy it and if i realized like it was a process but i got better at now i catch myself before i buy it but when i was over by i would actually take back the extras thing that i had you know so whether it was like ball sorkin's of whatever beams or like silly sores that my dad my dad used to buy cases of green giant vegetables and there were nine kids in the family at ok how about well i was usually better at this years ago by coupons using coupons i think coupons and then you know what we have those card things you know  we cover cook at home oh yeah yeah yeah yeah yeah ok how about only shut looking for sales when you go out for you know you're looking for a new coat or something wait until they're on sale or you know what i we actually name it but yeah but they would have clearance and they would have coupons and now you know not and and in all fairness to to brick and mortar buildings i think the other thing and i don't know but you all but i'm guilty of it is i use the internet now sometimes to buy stuff because you can get it cheaper and and the other thing that you like to use to for sure and things is the dollar store cards and shopping with a list you want to stick to it yeah yeah you know or like i haven't been i've been to your away from the dollar store because i used to never come out which is one thing but they stop playing music and just music in my store well interesting lee enough i think what you just said is really important made me think of one that's probably not on your crisis list and it wasn't online to store but i remember it now  shopping experiences are set up to get us to spend more money whether it's the color it's the smell it's the music oh yeah it keeps you there but also just so when you're shopping just so you know that there are more expensive item because i used to like to run it also i have told them even wrote in you know and i think there's another one i won't name a name that i used to be an all time and like i don't go there because you don't play music and i enjoy i stay longer with  music and now there's a store in the mall that instead of the nice lighting they have put in some fluorescent lighting and it's very it's not soothing so it it's really a kind of makes you wonder like their marketing person yeah as i've learned more about marketing that's the thing that i've really realized that there's all these little subtle things that people do even commercials there are subtle things that they do to really kind of get us all right here's my other one shop full and don't mind is the opposite don't taste test that is how i have survived even because i don't know by you guys but ninety five percent of the time if i taste test something and i like it i buy it here's where i want to say to buy store brands we didn't say this or any other but brand names can sometimes cost more and it's the exact same product there was a cold they don't carry it anymore shopper it used to have a cold pill that no lie was cold and scientist and it was two seventy nine for a box i went to another store it was the same exact things and even a big box pharmacy it was five dollars and seventy five cents same medicine brand names there's some you don't want to skimp on you know there are certain things you don't but i got to be honest with you all of you know i found that the brains to use like some of the brand names or they're the same they make the same thing for them that is the a name we're paying out to mary out and one other thing i want to get in here kind of quick because believe it or not is like proof is medications you know because people don't know this that you can get your medicines it cost and you do not have to be a member oh and i'll give you the difference in price my dog has seizures i went to get one of her medications keppra and it cost what was going to be sixty nine ninety five i called this other big box store that had just put in a pharmacy thinking oh well it's closer it's not an hour's drive to the congo two hundred six dollars one for the exact same medicine for the exact same amount that was the price i was given when i said that's ok i'll drive an hour she said oh well price match and i said i'm sorry i'm a social worker and i don't think you tell everybody that so there's no way i would come into your store knowing somebody could pay that so so we're leaving i'm leaving you what i want to believe it or not  got call for slash t v you'll see it at the end of this if you watch it through and you know what hope you come back and join us again